I don't have personal experience, but I think the person who posted this was suggesting that the T&Cs indicate that within 3 months of getting a card you can elect to join the QFF program for future points earn with your CBA card.
If you have earned points (Commonwealth Awards Points) in the first three months, then when you elect to join the direct earn QFF program, your existing Commonwealth Awards Points (earned at the rate of 3 per dollar spent on Amex) can be transferred to QFF as part of processing your application to join the 'QFF direct earn' option for you card...
Therefore for the first three months, you can 'game' the terms and conditions and boost your effective QFF points rate