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If you have an ABN, there's a second lane of signup bonuses running parallel to the personal cards everyone tracks — business credit cards. The bonuses are often just as big, sometimes bigger, and depending on the bank they can sit on a separate waiting-period clock from your per...

"Which Amex earns Qantas points?" is a question I get a lot, and the answer is narrower than most people expect. American Express sells a wall of cards in Australia, but only a handful of them can actually land points in your Qantas Frequent Flyer account — and one of them isn't ...

The annual fee is the single biggest cost in the churning cycle . So it's worth understanding the two ways people try to avoid it: the discounted-first-year offers banks advertise up front, and the "retention call" where you ring the bank at renewal time and ask for the fee to be...

Points forums love a timing theory. "Banks juice their bonuses in January." "Wait for EOFY." "The best offers come out before Christmas." US blogs say the same thing about their market — Q4 is peak season, spring is second best. I'm in a position to actually check, at least for A...

Search a Sydney–Melbourne flight on qantas.com with points and you might be quoted 9,200 points. Search the same route on a different day and you might be quoted five or ten times that — for the same seat, in the same cabin. Nothing is broken. Qantas has three different ways of t...

If you churn credit cards, the waiting period is the rule that decides everything. Get it wrong and you apply, get approved, hit the minimum spend — and receive zero bonus points, because the fine print excluded you before you started. I maintain a verified, per-issuer list of th...

Every time I write about churning , the first question is some version of: "but won't all those applications wreck my credit score?" Short answer: each application leaves a mark, the mark is real, and it's smaller and shorter-lived than most people fear. The longer answer is wort...

Qantas points are easy — a single credit card sign-up bonus can be worth 100,000 of them. Status credits are the hard currency. There's no card that hands you Gold, and the balance resets every membership year. I've already written about how status credits and membership years wo...

In my churning guide I covered the whole cycle: find the offer, hit the spend, collect the bonus, cancel, wait, repeat. The step people ask me about most is the one I glossed over — the cancel. Done carelessly, it's also the step where you can lose the entire bonus. This is the e...

People ask me this a lot, usually after they find out I churn credit cards: "wait, how many cards are you even allowed to have?" Short answer: there is no legal limit on how many credit cards you can hold in Australia. No law, no regulator cap, no magic number. But in practice yo...