Question - Suggestion needed - another Amex Qantas Ultimate or Amex Qantas business rewards | Australian Frequent Flyer
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Question Suggestion needed - another Amex Qantas Ultimate or Amex Qantas business rewards

Ade

Active Member
Joined
Mar 5, 2019
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728
Dear AFF'ers,

I've got a question :

I'm looking to sign up for another credit card - got some expenses coming up and was thinking it would be better if I put them on a new credit card rather than existing ones.

I've got a Qantas AMEX Ultimate - love it, $450 travel credit each year cancels out the membership fee - great

I've been with Amex over 18 months

Now, I'm in a dilemma - for the next credit card, what do you guys suggest - do I get another Qantas AMEX Ultimate, which means one more serving of the aforementioned benefits or should I get a Qantas Amex business card ?

I run a small business too, so I've got an ABN registered for GST. The only downside to the business card is that there is no travel credit to cancel out the $450 fee. The upside is there is 3x Qantas points on flights with QF# within Australia (is this right?)

I don't travel much within Australia anyway and most of my trips are overseas, mostly India, or within Asia. So not many QF 3x points earning potential ...

Confused ... looking for some suggestions :)

Cheers,
Ade
 

Doctore1003

Member
Joined
Jul 27, 2015
Messages
432
Why get another Amex when you’re not eligible for a sign up bonus? Plenty of other great offers out there, like ANZ FF black

or if you want a business card, this Westpac one:
 

Dr Ralph

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Dear AFF'ers,

I've got a question :

I'm looking to sign up for another credit card - got some expenses coming up and was thinking it would be better if I put them on a new credit card rather than existing ones.

I've got a Qantas AMEX Ultimate - love it, $450 travel credit each year cancels out the membership fee - great

I've been with Amex over 18 months

Now, I'm in a dilemma - for the next credit card, what do you guys suggest - do I get another Qantas AMEX Ultimate, which means one more serving of the aforementioned benefits or should I get a Qantas Amex business card ?

I run a small business too, so I've got an ABN registered for GST. The only downside to the business card is that there is no travel credit to cancel out the $450 fee. The upside is there is 3x Qantas points on flights with QF# within Australia (is this right?)

I don't travel much within Australia anyway and most of my trips are overseas, mostly India, or within Asia. So not many QF 3x points earning potential ...

Confused ... looking for some suggestions :)

Cheers,
Ade
Are you aware of the existing member rule? You can't get the bonus points if you are an existing member or have been an existing member within the last 18 months.

Or may be this is a card in your partners name and they don't currently have an AMEX?
 

Ade

Active Member
Joined
Mar 5, 2019
Messages
728
Why get another Amex when you’re not eligible for a sign up bonus? Plenty of other great offers out there, like ANZ FF black
Thanks, @Doctore1003 - I already have this card. Was looking to churn because I've got some big expenses coming up.

Re : Westpac business - Thanks, I'll look into this now :)
Post automatically merged:

Are you aware of the existing member rule? You can't get the bonus points if you are an existing member or have been an existing member within the last 18 months.
Yes, but I misread this rule as in, I thought I could get another AMEX with the bonus sign on if I've signed up for an AMEX card prior to 18 months from the date of applying for another new AMEX card.

Silly me! :(

Looks like I'm going to have to forget getting another AMEX unless I can cancel the one I currently have and wait for 18 months :(

Re : Partner - I don't have one, single :) (Although, it's the 14th Feb and it's only 12 PM where I'm based, who knows, lady luck might smile at me today :p )
 

Dr Ralph

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Yes, but I misread this rule as in, I thought I could get another AMEX with the bonus sign on if I've signed up for an AMEX card prior to 18 months from the date of applying for another new AMEX card.


Looks like I'm going to have to forget getting another AMEX unless I can cancel the one I currently have and wait for 18 months :(
Existing member rules apply for all credit cards. They are normally 12 or 18 months. So you need to cancel a card as soon as possible in order to start the clock on that 12 or 18 month period. This is what 'churn and burn' strategy is all about.

Silly me! :(
We all make mistakes and learn from them. That's what AF is for. And in this case it appears no harm was suffered!
 

Ade

Active Member
Joined
Mar 5, 2019
Messages
728
Existing member rules apply for all credit cards. They are normally 12 or 18 months. So you need to cancel a card as soon as possible in order to start the clock on that 12 or 18 month period. This is what 'churn and burn' strategy is all about.



We all make mistakes and learn from them. That's what AF is for. And in this case it appears no harm was suffered!
Thank you. Yes, no harm suffered :) I might look into CC offerings from other banks for my use
 

opusman

Senior Member
Joined
Jun 27, 2006
Messages
5,812
You could look into the co-branded Westpac Amex as this is considered separate from Amex-issued cards. Not sure if they have a decent offer on at the moment though.
 
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Ade

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Mar 5, 2019
Messages
728
You could look into the co-branded Westpac Amex as this is considered separate from Amex-issued cards. Not sure if they have a decent offer on at the moment though.
I looked into the co-branded AMEX & MC bundle - not lucrative ATM ... 100,000 points for A$ 7K spend ... as opposed to Westpac biz platinum which gives 100,000 for A$ 3K spend
 

exceladdict

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I looked into the co-branded AMEX & MC bundle - not lucrative ATM ... 100,000 points for A$ 7K spend ... as opposed to Westpac biz platinum which gives 100,000 for A$ 3K spend
Only downside to the bundle is a double hit to the credit report.
 
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