dein_gesicht
Active Member
- Joined
- Aug 18, 2011
- Posts
- 626
I use St George Dragon - 0.75 KF per $1 spent. It is that good
I also got the ANZ Black card but more for the bonus points
I also got the ANZ Black card but more for the bonus points
NAB VISA Signature is 1 QF point / $1 (capped at $5k then 0.5 thereafter (up to $20k)How does the conversion look on that?
Agreed the earning rates, when compared to AMEX, is often abysmal.I only apply for black Visa/Mastercards the lower cards have poor sign-on bonuses and poor earn rates.
That's actually better than I thought. However, it is limited to $3k per month. I find it hard enough to juggle busines spend, personal spend and all the sign up bonuses to then track how much I've spent that month.I'm using the Coles Rewards Mastercard. For me, the big advantages are:
The big downside is no travel insurance, but I'm getting that from my AmEx anyway. Also, they call me every month to offer me a low-interest payment plan for my balance, even though I'm never interested in that.
- Earns 2 Flybuys per $1, which is 1 Velocity point per $1
- Low annual fee ($99)
- No foreign currency fees, so it's my primary card while travelling internationally
- Had a big sign-on bonus (100,000) which offset the annual fee for a few years
Otherwise, it's a great card and it's simple. I'm even comfortable recommending it to friends as they have the option of getting flyer points (tempting) but if they don't get enough for a decent flight they can just get money off groceries instead (practical).
For KF? Besides the Star Alliance card I don't think there is another card that provides 0.825/$ (standard rate + birthday bonus).ANZ Black has a better points earn that SGB, so maybe consider making that the workhorse Visa instead.
Sorry missed the KF bit. I don't like that KF miles expire so quickly and cant be extended so never consider KF.For KF? Besides the Star Alliance card I don't think there is another card that provides 0.825/$ (standard rate + birthday bonus).
There is no cap/reduced earn either.
KF is the only one worthwhile I would say. VA has better earn elsewhere.As a prospective customer, I find the StG website (same with Bank of Melbourne given the same rewards in essence) very hard to navigate in terms of seeing what airlines programs or other programs can the rewards points be converted to.
Granted there's the summary table shared earlier.
If you want something to hold long-term, Dragon is 0.825 KF/VFF per dollar, once you count the birthday bonus.I use St George Dragon - 0.75 KF per $1 spent. It is that good
I also got the ANZ Black card but more for the bonus points
Is Coles Rewards MasterCard capped? I wasn't aware and I don't think I've ever hit it.That's actually better than I thought. However, it is limited to $3k per month. I find it hard enough to juggle busines spend, personal spend and all the sign up bonuses to then track how much I've spent that month.
For me, I have ANZ black (just for sign bonus), Citi free card (for citi payall), CBA diamond (from a sign on bonus), Macquarie Black (its free so I don't want to cancel it) and then the workhorse is the St George Dragon where Amex is not accepted
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Forgot about the birthday bonus - thanks for the reminder!If you want something to hold long-term, Dragon is 0.825 KF/VFF per dollar, once you count the birthday bonus.