Latest Blog Posts

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...

Every comparison site tells you what the current signup bonuses are. Nobody tells you how often those bonuses change — because nobody else has been logging every change for years. I have. This site has tracked Australian credit card offers since November 2021, first as a manual c...

Qantas has two ways of recognising members. Frequent Flyer tiers (Silver, Gold, Platinum) reward flying. Points Club rewards earning points on the ground — which for most people means credit card spend. If you collect points mainly through cards rather than flights, Points Club i...

Qantas Points don't have a fixed expiry date, but they absolutely can expire — and once they do, they're gone. The rule is simple on the surface and has a couple of traps underneath, the biggest one being that family transfers don't count as activity. If you churn credit cards fo...

I've been tracking every Qantas credit card offer on this site since November 2021. Every bonus increase, every cut, every fee change gets logged — first as a hand-written changelog, and since mid-2024 as a full version history of every offer in the database. That's what powers t...

I published a companion piece today on what every bank's waiting period actually is — the verified numbers and the fine-print traps. This post is the other half: once you know the rules, how does the order of applications change what's possible? The short answer: waiting periods ...

Amex Membership Rewards is the flexible-points currency behind the Amex cards I track, and Singapore Airlines KrisFlyer is arguably the best place to send points if a premium-cabin Singapore Airlines flight is the goal. But the transfer has a quirk most guides skip: there are two...

Amex Membership Rewards (MR) is the biggest flexible-points balance most Australian churners are sitting on, and Velocity is the single best mainstream place to send it. The rate is clean, the transfer is straightforward, and — unlike a long list of Amex's other airline partners ...

After I wrote up transferring Velocity points to KrisFlyer , the obvious follow-up question came in: "what about Qantas? I've got a pile of Westpac Altitude / NAB Rewards / ANZ Rewards points — how do I move them across?" The honest answer, straight from the transfer rates I trac...