Is there a credit card that.....

Discussion in 'General Credit Card Discussion' started by PaulZ, Jan 4, 2006.

  1. PaulZ

    PaulZ Member

    Jan 11, 2005
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    Hi,

    I am looking for a credit card (visa/mastercard) that earns reasonable points, that is at least 1 qantas point per dollar spent, and allows me to have more than one supplementary cardholder... any ideas???

    I know ANZ will, but of course, their points system is screwed...
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    I dont care what the fee is, i just want 3 cards on the one account...

    Thanks for any assistance...

    Paul Z
     
  2. bigjobs

    bigjobs Active Member

    Jun 4, 2005
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    can i ask why you feel the anz point scheme is screwed? i was thinking of going there for a visa card.

    and to answer your original quesition i don't know of any, i am sure others here will though.

    Thanks
     
  3. serfty

    Moderator

    Nov 16, 2004
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    PaulZ, It does not meet your criteria of having "3 cards on the one account", however the simplest one at the moment appears to be the Woolworths Ezy Mastercard. It has a fee of $39 PA with one additional card at no extra charge.

    Perhaps you could get one with an additional card for yourself + another account for the third person for a total cost of $78PA. ;)
     
  4. PaulZ

    PaulZ Member

    Jan 11, 2005
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    I would recommend getting a Woolworths EzyBanking MasterCard. It costs $39p.a. and will give you 1 point which equals 1 QF point, and it is unlimited.

    Here is why ANZ is screwed...

    Silver (Blue) Card:

    Earning points
    In any monthly statement cycle you earn the following points on purchases made using your Classic Card (excluding cash equivalent transactions):
    -One point for every dollar up to $1,500 spent.
    -One point for every two dollars over $1,500 spent, up to and including a maximum monthly spend of $5,000.

    Gold Card:

    Earning points
    In any monthly statement cycle you earn the following points on purchases made using your Gold Card (excluding cash equivalent transactions):
    -One point for every dollar up to $2,500 spent.
    -One point for every two dollars over $2,500 spent, up to and including a maximum monthly spend of $10,000.

    The annual fees are also high...
    Blue Card $95 + $65 for each additional
    Gold Card $150 + $65 for each additional

    So unless you spend <$1500 or <$2500 (Gold) per month, and are willing to pay the rediculous fees, then join ANZ.. or get a better deal at Woolworths (note they do take a month for the application process... but the benefits make it all worthwhile)

    PaulZ
     
  5. PaulZ

    PaulZ Member

    Jan 11, 2005
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    Hi Serfty,

    Yes i agree that the Woolworths card is extremely good value... but at the moment i have the CBA Platinum, 2 Ezy Card Accounts, and an AMEX Platinum Credit Card...

    I want to streamline things to make it easier with only two statements a month, the amex and a visa/mastercard... the CBA Platinum will have to go... because i spend way more than $100,000 or $150,000 whatever the new limit is...

    I just dont understand why the other banks recognise that ****.. if we allow extra cards on an account... and charge them for it... we make more money... I know ANZ certainly realises this... and they are the only one to offer multiple cards...

    I am also investigating Business Visa/Mastercards... The ANZ one gives 1 point per $1.50... and i dont know if they can be transferred to QF... but regardless... the earn rate isnt good enough...

    Anyone else have any ideas... I would be most appreciative.
     
  6. mick

    mick Member

    Apr 12, 2005
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    I think the Citibank Platinum credit card might fit the bill for you - apparently, you can link up to four (4) additional cards on the one primary card account. The points are capped at 120,000 points p.a.

    I'm not a huge fan of Citibank (I've found their customer service to be below par), but others have been more fortunate in their dealings with them.

    Take a look at their website at www.citibank.com.au and see if it suits you.
     
  7. straitman

    Moderator

    Apr 27, 2003
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    I lot of people would love to have this problem :!: :oops: :oops: :oops: :oops: :oops:
     
  8. QFTravel

    QFTravel Intern

    Nov 3, 2004
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    Or you could keep the CBA Plat and get the Citibank Plat card to ensure your spending is earning you points.




    Edit: fixed info
     
  9. PaulZ

    PaulZ Member

    Jan 11, 2005
    215
    0
    Don't get excited... it is my businesses expenditure...

    However, I have found a card that seems to fit the bill...

    The St George/Bank SA Private Bank has a Platinum Visa card which will give me 1:1 unlimited... I think that is the way to go!
     
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