RewardPay Alternatives

[daft009]

yes I still use it for groceries - but not sure I'm getting $200 value (fee), then I can use it for travel, but can't combine with the $400 credit for the Explorer, so it's a bit messy and still uncertain on value here of PE anymore.

Agreed I didn't see the value. Cancelled both and got the charge card

 

[jabbairc]

Agreed I didn't see the value. Cancelled both and got the charge card

sorry not familiar with it, so your on the PE Charge card only, not Explorer? What's the difference with your setup?

 

[daft009]

sorry not familiar with it, so your on the PE Charge card only, not Explorer? What's the difference with your setup?

2.25pt/$ so 1.125 FF points/$. Less than the PE but not enough for me to worry about

 

[jabbairc]

2.25pt/$ so 1.125 FF points/$. Less than the PE but not enough for me to worry about

thanks @daft009 so did I get this right? You pay a $1450 fee (travel credit $450) to collect at 2.25:1, that outweighs say the Explorer at 2:1 for a $400 fee (travel credit $400), worth the $1050 difference?

 

[daft009]

thanks @daft009 so did I get this right? You pay a $1450 fee (travel credit $450) to collect at 2.25:1, that outweighs say the Explorer at 2:1 for a $400 fee (travel credit $400), worth the $1050 difference?

Another $400 credit when you get the free reserve card with the charge card.
Lots of extra perks, hotel status, lounge access etc. Worth it for me

 

[jabbairc]

Another $400 credit when you get the free reserve card with the charge card.
Lots of extra perks, hotel status, lounge access etc. Worth it for me

That makes sense, thank you!

 

[daft009]

apart from EBP any other alternatives that don't require an ABN to signup?

i'd like to keep personal & business separate

 

[Bell21]

thanks @daft009 so did I get this right? You pay a $1450 fee (travel credit $450) to collect at 2.25:1, that outweighs say the Explorer at 2:1 for a $400 fee (travel credit $400), worth the $1050 difference?

As daft009 said, there is so much more re the perks of the charge card relative to the explorer - if you do a search, there are some threads focused on the benefits

 

[NJSteve]

apart from EBP any other alternatives that don't require an ABN to signup?

i'd like to keep personal & business separate

You can always use your businesses ABN to signup as a sole user and then use your own private card to make payments. This way your business doesn't see what payments you're making. I'm sort of doing this with the platform we use

 

[theblank]

apart from EBP any other alternatives that don't require an ABN to signup?

my gosh that EBP is [lost for words] . they dress this up to look cool for millenials that dont/cant realise that they could do this themselves with 3 tools.

- a calculator
- direct debit
- seperate bank account.

a lot less work and less costly.

 

[coriander]

my gosh that EBP is [lost for words] . they dress this up to look cool for millenials that dont/cant realise that they could do this themselves with 3 tools.

- a calculator
- direct debit
- seperate bank account.

a lot less work and less costly.

I've been sitting here trying to work out how you would accomplish this. I do have an abacus, spare cheque book (and account) and have mastered DD.

UUntil then I'll stick with YakPay for its simplicity and I can get my practice manager to pay most uncard-able bills.
Then there's MygovID, RAMs to get my head around. Sigh.

 

[NJSteve]

I've been sitting here trying to work out how you would accomplish this. I do have an abacus, spare cheque book (and account) and have mastered DD.

UUntil then I'll stick with YakPay for its simplicity and I can get my practice manager to pay most uncard-able bills.
Then there's MygovID, RAMs to get my head around. Sigh.

I'm in agreeance with you there tbh, using YP as well and considering the method that the person above is using I would argue the extra time it takes for them to get everything sorted, one could be earning more within that time via using a straight forward platform

 

[perthtraveller]

Thanks to everyone above for all the advice!

Is it ok to use a personal credit card (e.g. Citi Prestige VISA) with YakPay?

Would the card issuer deem YP, RP, EBP etc "business transactions" and therefore not issue points/close card?

(currently getting a bonus point per $ on Citi Prestige, hence the question!)

 

[jonboixxx]

Thanks to everyone above for all the advice!

Is it ok to use a personal credit card (e.g. Citi Prestige VISA) with YakPay?

Would the card issuer deem YP, RP, EBP etc "business transactions" and therefore not issue points/close card?

(currently getting a bonus point per $ on Citi Prestige, hence the question!)

I have multiple personal and business cards and have had no problems with YP, RP, EBP allocation of points. I do a quick check each month, to ensure points have appropriated correctly. If circumstances change, so do I.

 

[coriander]

Is it ok to use a personal credit card (e.g. Citi Prestige VISA) with YakPay?

1 Don't ask, don't tell !
2. I've used personal Amex, MC and Visa cards for many years for business expenses and no cc provider has ever batted an eyelid.
3. No-one cares, as long as they get to "clip the ticket" on the way through. How would YP, or any merchant for that matter, know what sort of card you have?

 

[theblank]

I've been sitting here trying to work out how you would accomplish this. I do have an abacus, spare cheque book (and account) and have mastered DD.

Nice one

add up your fixed bills (or close enough to fixed) over a 12 month period. Divide by 12, pay that amount into seperate bank account each month.
If you get paid fortnightly or weekly use that instead of monthly.

In the first 12 months you might need to top up a shortfall once or twice but after that it will run perfectly, you will always have enough money to pay your bills.

Or get your butler to do it!

 

[coriander]

Or get your butler to do it!

LOL!
I'm obviously too thick to get it - so where do the Rewards points come from in your system?
My cash flow is good enough that every bill is paid within 14 days.

You do realise that people are using EBP or YP to pay accounts from suppliers who don't accept credit card payments factoring the 1.3% as the cost of the points?

I also have a supplier who charges 2.4% credit card surcharge on all cards (he must be using Square) but nil for BSB/account number. 1.3% is better than 2.4% and is just at the upper limit of making the process worthwhile for me.

YMMV.

 

[kpc]

Anyone else having trouble logging into EBP atm?

 

[daft009]

Anyone else having trouble logging into EBP atm?

Just logged in. No issues

 

[perthtraveller]

1 Don't ask, don't tell !
2. I've used personal Amex, MC and Visa cards for many years for business expenses and no cc provider has ever batted an eyelid.
3. No-one cares, as long as they get to "clip the ticket" on the way through. How would YP, or any merchant for that matter, know what sort of card you have?

Thanks for the reply! I'll ask here but not the bank ha.

On point 3, I'm not concerned about the YP-side. More concerned about Citi-side. Its pretty easy for them to recognise that YP, EBP etc are all B2B payment platforms...

Post automatically merged: Feb 8, 2020

I have multiple personal and business cards and have had no problems with YP, RP, EBP allocation of points. I do a quick check each month, to ensure points have appropriated correctly. If circumstances change, so do I.

Which personal cards do you use with YP, EBP, RP?