I think the “up to 1.3pts” is referring to the possibility of them not including points on transactions.
Been using for a while now and I don’t get points on:
- Council Rates
- ATO
- Health Insurance
- Park and Pay App
- Sniip/Pay.com.au/RentPay
Which kinda sucks but I find the Shops feature offsets some of the point loss as the XX/1 ratio for partner merchants means you can stack quickly.
A little hack with the added subscriptions is to setup the ClassPass subscription and use it to get free food. They have heaps of cafes around Sydney on there and the 20 credits gets me two free lunches a month.