Decision time for points transfer!

[monojoker]

The more I read here and around the 'net the more confused I get about which option will be best for me. My situation is probably different to most on this forum in that I travel only enough these days to probably make Silver QFF status - I've slipped this year from Plat to Gold. Therefore I'm not going to be accumulating a lot of FF points in future so I'd like to continue earning them through CC spending for future trips.

I currently have a CBA Commonwealth Plat MC which allows 1:1 FF points conversion. I'd like a similar ratio if possible but with a lower annual fee (I think it's currently 250/year with the usual "free" travel insurance). However if I'm mostly going to be redeeming FF points to travel and not buy on CC then that is a moot point as the travel insurance won't be included will it?

Interest rate doesn't bother me as I pay the full monthly balance to avoid any interest.

So from looking at the options on the QF website I'm leaning towards the Westpac Earth dual card option - Westpac Amex and Mastercard. Key features are a low annual fee of $75, uncapped points and $1:1point on the Amex - Mastercard is only $2:1point. But with Amex still widely accepted without prejudice (or extra surcharge) I figure there shouldn't be too many times I can't use the Amex.

Any others in a similar situation as me with any advice or tips on what else to look for in a new Direct Earn option?

Thanks.

 

[JohnK]

However if I'm mostly going to be redeeming FF points to travel and not buy on CC then that is a moot point as the travel insurance won't be included will it?

You are still covered for trips using FF points with some credit cards providing comprehensive travel insurance if you pay the taxes and surcharges with the credit card. You will need to look at the terms and conditions of the credit card you choose. I vaguely remember reading some threads on AFF about it.