Latest Offer Updates

History of all the credit card offer updates.

๐Ÿ‘Ž
13 hours ago - 04 Dec 2023
American Express Explorer Credit Card
Bonus changed from 70K to 50K
๐Ÿ‘Ž
3 days ago - 02 Dec 2023
BOQ Platinum Visa Credit Card (Home loan with BOQ)
Expiration changed from 30/11/23 to 30/04/24, Bonus from 150K to 100K, Spend For Bonus from $3K to $45K
๐Ÿ‘Ž
3 days ago - 02 Dec 2023
BOQ Platinum Visa Credit Card
Expiration changed from 30/11/23 to 30/04/24, Bonus from 150K to 100K, Spend For Bonus from $3K to $4.5K, Bonus Period from 90 to 90, Annual Fee from $129 to $65
๐Ÿ‘
14 days ago - 21 Nov 2023
ANZ Frequent Flyer Black
Bonus changed from 110K to 100K, cashback changed from $100 to $250
๐Ÿ‘
15 days ago - 20 Nov 2023
The Champagne Mile Exclusive Offer NAB Rewards Signature Card
Expiration changed from 15/09/22 to 13/12/23, Bonus from 110K to 150K
๐Ÿคท
25 days ago - 10 Nov 2023
Qantas Premier Titanium
Expiration changed from 29/11/23 to 01/05/24
๐Ÿคท
25 days ago - 10 Nov 2023
Qantas Premier Platinum
Expiration changed from 29/11/23 to 01/05/24
๐Ÿ‘
a month ago - 08 Nov 2023
Bank of Melbourne Amplify Rewards Platinum
Expiration changed from 06/11/23 to 30/04/24, Bonus from 90K to 100K
๐Ÿคท
a month ago - 08 Nov 2023
St.George Amplify Rewards Signature (Existing customers, through log in)
Expiration changed from 06/11/23 to 30/04/24
๐Ÿคท
a month ago - 08 Nov 2023
St.George Amplify Rewards Signature
Expiration changed from 06/11/23 to 30/04/24
๐Ÿ‘
a month ago - 08 Nov 2023
St.George Amplify Rewards Platinum (Existing customers, through log in)
Expiration changed from 06/11/23 to 30/04/24, Bonus from 90K to 100K, Bonus Period from 0 to 90, Annual Fee from $49 to $0, Second Year Annual Fee from 99 to 124
๐Ÿ‘
a month ago - 08 Nov 2023
St.George Amplify Rewards Platinum
Expiration changed from 06/11/23 to 30/04/24, Bonus from 90K to 100K, Second Year Annual Fee from 99 to 124
๐Ÿคท
a month ago - 08 Nov 2023
St.George Amplify Qantas Signature (Existing customers, through log in)
Expiration changed from 06/11/23 to 30/04/24
๐Ÿคท
a month ago - 08 Nov 2023
St.George Amplify Qantas Signature
Expiration changed from 06/11/23 to 30/04/24
๐Ÿ‘
a month ago - 08 Nov 2023
St.George Amplify Platinum - Qantas (Existing customers, through log in)
Expiration changed from 06/11/23 to 30/04/24, Second Year Annual Fee from 99 to 124
๐Ÿคท
a month ago - 08 Nov 2023
St.George Amplify Platinum - Qantas
Expiration changed from 06/11/23 to 30/04/24
๐Ÿ‘
a month ago - 08 Nov 2023
ANZ Rewards Platinum
Annual Fee from $95 to $94, Second Year Annual Fee from 95 to 94, Program fee added $55
๐Ÿ‘
a month ago - 08 Nov 2023
American Express Explorer Credit Card
Expiration changed from undefined to 31/12/23
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Coles No Annual Fee Mastercard
Expiration changed from 31/10/23 to 31/01/24, Bonus from 30k to 20k
๐Ÿ‘
a month ago - 04 Nov 2023
Coles Rewards Mastercard
Expiration changed from 31/10/23 to 31/01/24, Bonus from 50k to 75k
๐Ÿ‘
a month ago - 04 Nov 2023
Virgin Australia Velocity Flyer Card
Expiration changed from 31/10/23 to 31/01/24
๐Ÿ‘
a month ago - 04 Nov 2023
Virgin Australia Velocity High Flyer Card
Expiration changed from 31/10/23 to 31/01/24
๐Ÿ‘
a month ago - 04 Nov 2023
Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)
Expiration changed from 01/11/23 to 30/04/24
๐Ÿ‘
a month ago - 04 Nov 2023
Westpac Altitude Velocity Platinum
Expiration changed from 01/11/23 to 30/04/24
๐Ÿ‘
a month ago - 04 Nov 2023
Westpac Altitude Velocity Black
Expiration changed from 01/11/23 to 30/04/24
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Westpac Altitude Velocity Black (Existing customers)
Expiration changed from 01/11/23 to 30/04/24, Annual Fee from $145 to $150
๐Ÿ‘
a month ago - 04 Nov 2023
Westpac Altitude Qantas Platinum (Reduced first year annual fee for Westpac Customers)
Expiration changed from 01/11/23 to 30/04/24
๐Ÿ‘
a month ago - 04 Nov 2023
Westpac Altitude Qantas Platinum
Expiration changed from 01/11/23 to 30/04/24
๐Ÿ‘
a month ago - 04 Nov 2023
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Expiration changed from 01/11/23 to 30/04/24
๐Ÿ‘
a month ago - 04 Nov 2023
Westpac Altitude Qantas Black
Expiration changed from 01/11/23 to 30/04/24
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Expiration changed from 01/11/23 to 30/04/24, Bonus from 140k to 100k
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Westpac Altitude Rewards Platinum (Waived annual fee for Westpac Customers)
Expiration changed from 01/11/23 to 30/04/24, Bonus from 100k to 90k
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Westpac Altitude Rewards Platinum
Expiration changed from 01/11/23 to 30/04/24, Bonus from 100k to 90k, Annual Fee from $99 to $49
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Westpac Low Rate Card (Existing Customers)
Expiration changed from 01/11/23 to 30/04/24, Spend For Bonus from $5000 to $7000, Bonus Period from 150 to 210 days
๐Ÿ‘
a month ago - 04 Nov 2023
Suncorp Clear Options Platinum Credit Card
Expiration changed from 31/10/23 to 29/02/24
๐Ÿ‘
a month ago - 04 Nov 2023
NAB Rewards Signature Card
Expiration removed, Annual Fee from $195 to $145
๐Ÿ‘
a month ago - 04 Nov 2023
NAB Rewards Platinum Card
Expiration removed, Annual Fee from $95 to $45
๐Ÿ‘
a month ago - 04 Nov 2023
Citi Premier Card - Velocity offer
Second Year Annual Fee changed from 300 to 150
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Citi Rewards Card - Velocity offer
Annual Fee changed from 90 to 199, Second Year Annual Fee from 149 to 199
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Citi Premier - Cashback offer
Annual Fee changed from 90 to 300
๐Ÿ‘Ž
a month ago - 04 Nov 2023
The Qantas American Express Ultimate Card
Expiration changed from 31/10/23 to "", Bonus from 75000 to 60000, Bonus Period from 90 to 90
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Citi Premier Qantas Card
Expiration changed from 31/10/23 to 30/04/24, Bonus from 70000 to 50000
๐Ÿ‘Ž
a month ago - 04 Nov 2023
PointHacks Exclusive The Qantas American Express Ultimate Card
Expiration changed from 31/01/23 to "", Bonus from 75000 to 60000
๐Ÿ‘
a month ago - 04 Nov 2023
NAB Rewards Signature Card
Expiration changed from undefined to , Bonus from 100000 to 120000
๐Ÿ‘
a month ago - 04 Nov 2023
NAB Rewards Platinum Card
Expiration changed from undefined to "", Bonus from 60000 to 80000
๐Ÿ‘
a month ago - 04 Nov 2023
Citi Premier Card - Velocity offer
Expiration changed from 31/10/23 to 30/04/24, Bonus from 80000 to 100000, Spend For Bonus from 6000 to 8000
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Citi Rewards Card - Velocity offer
Bonus changed from 100000 to 80000, Spend For Bonus from 8000 to 5000
๐Ÿ‘Ž
a month ago - 04 Nov 2023
Citi Premier Qantas Card
Expiration changed from 31/10/23 to 30/04/24, Bonus from 70000 to 50000
๐Ÿ‘Ž
a month ago - 04 Nov 2023
PointHacks Exclusive The Qantas American Express Ultimate Card
Expiration changed from 31/01/23 to '', Bonus from 75000 to 60000
๐Ÿ‘
a month ago - 04 Nov 2023
Citi Premier Qantas Card
Expiration changed from 31/10/23 to 30/04/24
๐Ÿ‘
a month ago - 04 Nov 2023
Citi Premier Card - Velocity offer
Expiration from 31/10/23 to 30/04/24, Bonus from 80000 to 100000, Spend For Bonus from 6000 to 8000
๐Ÿ‘
a month ago - 28 Oct 2023
St.George Amplify Platinum - Qantas (Existing customers, through log in)
Offer expiry moved from 30/11 to 6/11
๐Ÿ‘
a month ago - 28 Oct 2023
St.George Amplify Platinum - Qantas
Offer expiry moved from 30/11 to 6/11
๐Ÿ‘
a month ago - 27 Oct 2023
St.George Amplify Rewards Signature (Existing customers, through log in)
Added, first year annual fee is $99
๐Ÿ‘
a month ago - 27 Oct 2023
St.George Amplify Rewards Platinum (Existing customers, through log in)
Added, first year annual fee is $0
๐Ÿ‘
a month ago - 27 Oct 2023
St.George Amplify Rewards Platinum
Offer expiry moved from 30/11 to 6/11
๐Ÿ‘
a month ago - 27 Oct 2023
St.George Amplify Qantas Signature (Existing customers, through log in)
Offer expiry moved from 30/11 to 6/11
๐Ÿ‘
a month ago - 27 Oct 2023
St.George Amplify Qantas Signature
Offer expiry moved from 30/11 to 6/11
๐Ÿ‘
a month ago - 27 Oct 2023
St.George Amplify Platinum - Qantas
Offer expiry moved from 30/11 to 6/11
๐Ÿ‘
a month ago - 27 Oct 2023
St.George Amplify Platinum - Qantas (Existing customers, through log in)
Offer expiry moved from 30/11 to 6/11
๐Ÿ‘
a month ago - 27 Oct 2023
Bank of Melbourne Amplify Rewards Platinum
Offer expiry moved from 30/11 to 6/11
๐Ÿ‘
2 months ago - 13 Oct 2023
St.George Amplify Platinum - Qantas (Existing customers, through log in)
Card link changed from https://www.stgeorge.com.au/personal/credit-cards/affiliate/amplify-platinum to https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum
๐Ÿ‘
2 months ago - 13 Oct 2023
St.George Amplify Platinum - Qantas
Card link changed from https://www.stgeorge.com.au/personal/credit-cards/affiliate/amplify-platinum to https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum
๐Ÿ‘
2 months ago - 09 Oct 2023
St.George Amplify Qantas Signature (Existing customers, through log in)
First year annual fee lowered from $295 to $139
๐Ÿ‘
2 months ago - 09 Oct 2023
St.George Amplify Platinum - Qantas (Existing customers, through log in)
Offer extended to 30/11/23
๐Ÿ‘
2 months ago - 09 Oct 2023
St.George Amplify Platinum - Qantas
First year annual fee lowered from $124 to $99
๐Ÿ‘Ž
2 months ago - 07 Oct 2023
Suncorp Clear Options Platinum Credit Card - Qantas Points
Bonus lowered from 70k to 40k and spend increased from $3000 to $4500
๐Ÿ‘Ž
2 months ago - 02 Oct 2023
The American Express Velocity Platinum Card
Bonus lowered from 75k to 60k
๐Ÿ‘Ž
2 months ago - 02 Oct 2023
CommBank Ultimate Awards Credit Card
Card offer has ended
๐Ÿ‘Ž
2 months ago - 02 Oct 2023
CommBank Ultimate Awards Credit Card (with $4000 per month spend)
Card offer has ended
๐Ÿ‘Ž
2 months ago - 02 Oct 2023
CommBank Ultimate Awards Credit Card with Qantas Points
Card offer has ended
๐Ÿ‘Ž
2 months ago - 02 Oct 2023
CommBank Smart Awards Credit Card with Qantas Points (with $2,000 per month spend)
Spend changed from $4000 in 90 days to $1500 every month for 4 months ($6000 total)
๐Ÿ‘Ž
2 months ago - 02 Oct 2023
CommBank Smart Awards Credit Card with Qantas Points
Spend changed from $4000 in 90 days to $1500 every month for 4 months ($6000 total)
๐Ÿ‘Ž
2 months ago - 02 Oct 2023
CommBank Smart Awards Credit Card (with $2,000 per month spend)
Spend changed from $4000 in 90 days to $1500 every month for 4 months ($6000 total)
๐Ÿ‘Ž
2 months ago - 02 Oct 2023
CommBank Smart Awards Credit Card
Spend changed from $4000 in 90 days to $1500 every month for 4 months ($6000 total)
๐Ÿ‘
2 months ago - 02 Oct 2023
Citi Rewards Card - Velocity offer
Offer extended to 31/10/23
๐Ÿ‘
2 months ago - 24 Sep 2023
Citi Premier - Bonus Points offer
Offer extended to 30/04/24
๐Ÿ‘
2 months ago - 24 Sep 2023
Citi Premier - Cashback offer
Offer extended to 30/04/24
๐Ÿ‘
2 months ago - 24 Sep 2023
Citi Premier Qantas Card
Offer extended to 31/10/23
๐Ÿ‘
2 months ago - 24 Sep 2023
Citi Prestige Card
Offer extended to 30/04/24
๐Ÿ‘
2 months ago - 24 Sep 2023
Citi Prestige Qantas Card
Offer extended to 30/04/24
๐Ÿ‘
2 months ago - 24 Sep 2023
Citi Premier Card - Velocity offer
Offer extended to 31/10/23
๐Ÿ‘Ž
3 months ago - 04 Sep 2023
CommBank Ultimate Awards Credit Card with Qantas Points (with $4000 per month spend)
Minimum monthly spend increased from $2500 to $4000
๐Ÿ‘Ž
3 months ago - 04 Sep 2023
CommBank Ultimate Awards Credit Card (with $4000 per month spend)
Minimum monthly spend increased from $2500 to $4000
๐Ÿ‘Ž
3 months ago - 02 Sep 2023
HSBC Platinum Credit Card
Offer no longer available
๐Ÿ‘Ž
3 months ago - 02 Sep 2023
HSBC Platinum Qantas Credit Card
Offer no longer available
๐Ÿ‘
3 months ago - 01 Sep 2023
The Qantas American Express Ultimate Card
Bonus points increased from 60,000 to 75,000
๐Ÿ‘Ž
4 months ago - 31 Jul 2023
St.George Amplify Rewards Platinum
Krisflyer redemtion changed from 2:1 to 3:1
๐Ÿ‘Ž
4 months ago - 31 Jul 2023
St.George Amplify Rewards Signature
Krisflyer redemtion changed from 2:1 to 3:1
๐Ÿ‘
4 months ago - 14 Aug 2023
Virgin Australia Velocity Flyer Card
Bonus lowered from 100k to 60k, spend lowered from $6k to $3k
๐Ÿ‘Ž
4 months ago - 14 Aug 2023
Virgin Australia Velocity High Flyer Card
Bonus lowered from 120k to 80k, spend lowered from $14k with $7k
๐Ÿ‘
4 months ago - 14 Aug 2023
The American Express Velocity Platinum Card
Bonus increased from "60000" to "75000"
๐Ÿ‘Ž
4 months ago - 14 Aug 2023
Coles Rewards Mastercard
Bonus lowered from 60k to 50k, spend decreased from $4k to $3k. 2nd year bonus reduced from 40k to 0k.
๐Ÿ‘Ž
4 months ago - 14 Aug 2023
Coles No Annual Fee Mastercard
Bonus lowered from 50k to 30k, spend decreased from $4k to $3k. 2nd year bonus reduced from 20k to 0k.
๐Ÿ‘
4 months ago - 14 Aug 2023
BOQ Platinum Visa Credit Card (Home loan with BOQ)
Offer extended to 30 Nov 23
๐Ÿ‘
4 months ago - 14 Aug 2023
BOQ Platinum Visa Credit Card
Offer extended to 30 Nov 23
๐Ÿ‘
4 months ago - 14 Aug 2023
ANZ Frequent Flyer Platinum
Bonus increased from 70k to 75k
๐Ÿ‘
4 months ago - 14 Aug 2023
ANZ Frequent Flyer Black
Bonus increased from 90k to 110k
๐Ÿ‘
4 months ago - 27 Jul 2023
Suncorp Clear Options Platinum Credit Card
Offer extended from "31/07/23" to "31/10/23"
๐Ÿ‘Ž
4 months ago - 27 Jul 2023
Citi Premier - Cashback offer
Annual fee increasd from $150 to $300
๐Ÿ‘Ž
4 months ago - 27 Jul 2023
Bank of Melbourne Amplify Rewards Platinum
Annual fee increased from $99 to $124
๐Ÿ‘Ž
4 months ago - 27 Jul 2023
St.George Amplify Platinum - Qantas
Annual fee increased from $99 to $124
๐Ÿ‘Ž
4 months ago - 27 Jul 2023
St.George Amplify Qantas Signature (Existing customers, through log in)
Annual fee increased from $139 to $295
๐Ÿ‘Ž
4 months ago - 27 Jul 2023
St.George Amplify Qantas Signature
Annual fee increased from $279 to $295
๐Ÿ‘Ž
4 months ago - 27 Jul 2023
St.George Amplify Rewards Platinum
Second year annual fee increased from $99 to $124
๐Ÿ‘Ž
4 months ago - 26 Jul 2023
St.George Amplify Rewards Signature
Second year annual fee increased from $279 to $295
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Westpac Altitude Qantas Black
Annual fee increased from $300 to $370
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
First year annual fee increased from $300 to $370
๐Ÿ‘
5 months ago - 08 Jul 2023
Virgin Australia Velocity High Flyer Card
Offer extended to 31 July 2023
๐Ÿ‘
5 months ago - 08 Jul 2023
Virgin Australia Velocity Flyer Card
Offer extended to 31 July 2023
๐Ÿ‘
5 months ago - 08 Jul 2023
St.George Amplify Qantas Signature
Offer extended to 19 july 2023
๐Ÿ‘
5 months ago - 08 Jul 2023
Bank of Melbourne Amplify Rewards Platinum
Offer extended to 19 july 2023
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Westpac Altitude Qantas Platinum
Annual fee increased from $50 to $124
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Westpac Altitude Qantas Platinum
Annual fee increased from $99 to $174
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Second year annual fee increased from $250 to $295
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Virgin Australia Velocity Flyer Card
Increased annual fee to $129. Increased min spend to $6000
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Westpac Altitude Rewards Platinum
Second year annual fee increased from $150 to $175
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Westpac Altitude Rewards Platinum (Waived annual fee for Westpac Customers)
Second year annual fee increased from $150 to $175
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Westpac Altitude Velocity Black
Annual fee increased from $300 to $370 (inc Velocity fee)
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Westpac Altitude Velocity Platinum
Increased annual fee to $174
๐Ÿ‘Ž
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
Virgin Australia Velocity High Flyer Card
Increased annual fee to $289. Increased min spend to $14,000
๐Ÿ‘
5 months ago - 08 Jul 2023
Virgin Australia Velocity High Flyer Card
Increased bonus points to 120,000
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
The Qantas American Express Ultimate Card
Lowered bonus points to 60,000
๐Ÿ‘Ž
5 months ago - 08 Jul 2023
The American Express Velocity Platinum Card
Lowered bonus points to 60,000
๐Ÿ‘
5 months ago - 08 Jul 2023
St.George Amplify Rewards Platinum
Offer extended to 19 july 2023
๐Ÿ‘
5 months ago - 08 Jul 2023
St.George Amplify Rewards Signature
Offer extended to 19 july 2023
๐Ÿ‘
6 months ago - 03 Jun 2023
Citi Prestige Card
Offer extended to 25 October 2023
๐Ÿ‘
6 months ago - 03 Jun 2023
Citi Prestige Qantas Card
Offer extended to 25 October 2023
๐Ÿ‘
6 months ago - 03 Jun 2023
Citi Rewards Card - Velocity offer
Offer extended to 25 October 2023
๐Ÿ‘
6 months ago - 03 Jun 2023
American Express Qantas Business Rewards Card (ABN holders w/ $75,000 revenue)
Bonus points increased from 120,000 to 150,000
๐Ÿ‘
6 months ago - 03 Jun 2023
Citi Premier - Bonus Points offer
Offer extended to 25 October 2023
๐Ÿ‘
6 months ago - 03 Jun 2023
Citi Premier - Cashback offer
Offer extended to 25 October 2023
๐Ÿ‘
6 months ago - 03 Jun 2023
Citi Premier Card - Velocity offer
Offer extended to 25 October 2023
๐Ÿ‘
6 months ago - 03 Jun 2023
Citi Premier Qantas Card
Offer extended to 25 October 2023
๐Ÿ‘Ž
๐Ÿ‘Ž
6 months ago - 03 Jun 2023
CommBank Ultimate Awards Credit Card with Qantas Points (with $2,500 per month spend)
Minimum spend increased from $5000 to $6000, Minimum monthly spend required to waive fee inreased from $2500 to $4000 starting August 2023
๐Ÿ‘
6 months ago - 03 Jun 2023
Commbank Low Fee Gold credit card
Minimum spend lowered from $1500 to $1000
๐Ÿ‘Ž
6 months ago - 03 Jun 2023
Commbank Low Fee Gold credit card
Cashback reduced from $300 to $250
๐Ÿ‘Ž
6 months ago - 03 Jun 2023
Qantas Premier Platinum
Annual Fee increased from $249 to $349
๐Ÿ‘Ž
6 months ago - 03 Jun 2023
Citi Prestige Card
Bonus lowered from 300k to 275k, first year annual fee increased from $350 to $700
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Qantas Black
Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Qantas Platinum (Reduced first year annual fee for Westpac Customers)
Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Qantas Platinum
Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Rewards Platinum (Waived annual fee for Westpac Customers)
Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Rewards Platinum
Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Velocity Black
Offer end date changed to 14th June 2023 reward program fee increasing from $50 to $75 and annual fee increasing from $250 to $295 https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Velocity Platinum
Offer end date changed to 14th June 2023 reward program fee increasing from $50 to $75 and annual fee increasing from $150 to $175 https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 28 May 2023
Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)
Offer end date changed to 14th June 2023 reward program fee increasing from $50 to $75 and annual fee increasing from $150 to $175 https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
๐Ÿ‘Ž
6 months ago - 24 May 2023
ANZ Frequent Flyer Black
Bonus lowered from 110k to 90k, cashback lowered from $255 to $100
๐Ÿ‘
7 months ago - 03 May 2023
ANZ Rewards Black
Bonus increased from 150k to 180k
๐Ÿ‘
7 months ago - 21 Apr 2023
Qantas Premier Titanium
Offer extended to 29 November 2023
๐Ÿ‘Ž
8 months ago - 09 Apr 2023
American Express Qantas Business Rewards Card (ABN holders w/ $75,000 revenue)
Bonus reduced from 150k to 120k
๐Ÿ‘
8 months ago - 09 Apr 2023
BOQ Platinum Visa Credit Card (Home loan with BOQ)
Offer extend to 31 July 2023
๐Ÿ‘Ž
8 months ago - 07 Apr 2023
Virgin Australia Velocity High Flyer Card
Bonus decreased from 100k to 80k
๐Ÿ‘Ž
8 months ago - 07 Apr 2023
Virgin Australia Velocity Flyer Card
Bonus decreased from 100k to 60k
๐Ÿ‘Ž
9 months ago - 06 Mar 2023
Suncorp Clear Options Platinum Credit Card
First year annual fee increased from $64 to $99
๐Ÿ‘Ž
9 months ago - 23 Feb 2023
The American Express Platinum Card
Bonus lowered from 200k to 150k
๐Ÿ‘Ž
10 months ago - 16 Feb 2023
American Express Explorer Credit Card
Bonus lowered from 85k to 70k
๐Ÿ‘Ž
10 months ago - 16 Feb 2023
Citi Rewards โ€“ Flybuys offer
No longer offered
๐Ÿ‘Ž
10 months ago - 16 Feb 2023
Citi Rewards Card - Velocity offer
First year annual fee increased from $0 to $149, bonus increased 60k to 70k, spend requirements increased from $3k to $5k
๐Ÿ‘Ž
10 months ago - 16 Feb 2023
Citi Premier Card - Velocity offer
Bonus decreased 100k to 80k
๐Ÿ‘Ž
10 months ago - 16 Feb 2023
Citi Premier - Bonus Points offer
Spend increased from $4k to $7k
๐Ÿ‘
10 months ago - 15 Feb 2023
Citi Prestige Card
Spend increased from $7.5k to $10k and time increased from 60 days to 90 days
๐Ÿ‘
10 months ago - 09 Feb 2023
ANZ Rewards Platinum
Bonus increased from 50k to 90k and $50 credit added, spend increased from $1500 to $2000
๐Ÿ‘
10 months ago - 05 Feb 2023
Virgin Australia Velocity High Flyer Card
Offer extended to 30th April 2023
๐Ÿ‘
10 months ago - 05 Feb 2023
Virgin Australia Velocity Flyer Card
Offer extended to 30th April 2023
๐Ÿ‘
10 months ago - 05 Feb 2023
Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)
Annual fee reduced from $200 to $150 and first year reduced from $150 to $99.
๐Ÿ‘
10 months ago - 05 Feb 2023
Westpac Altitude Velocity Platinum
Annual fee reduced from $200 to $150 and first year reduced from $200 to $150.
๐Ÿ‘
10 months ago - 05 Feb 2023
Westpac Low Rate Card (Existing Customers)
Changed from 4 months, to 5 months of $50 per month cashback
๐Ÿ‘
a year ago - 14 Jan 2023
American Express Qantas Business Rewards Card (ABN holders w/ $75,000 revenue)
Bonus increased from 100k to 150k
๐Ÿ‘
a year ago - 14 Jan 2023
American Express Explorer Credit Card
Bonus increased from 70k to 85k
๐Ÿ‘
a year ago - 14 Jan 2023
The American Express Platinum Card
Bonus increased from 150k to 200k
๐Ÿ‘
a year ago - 16 Dec 2022
Citi Premier - Cashback offer
Offer extended to 31 January 2023
๐Ÿ‘
a year ago - 16 Dec 2022
Citi Premier Card - Velocity offer
Offer extended to 31 January 2023
๐Ÿ‘Ž
a year ago - 16 Dec 2022
Bank of Melbourne Amplify Rewards Platinum
Annual fee increased from $29 to $49. Bonus lowered from 100k to 90k
๐Ÿ‘
a year ago - 16 Dec 2022
American Express Explorer Credit Card
Bonus increased from 50k to 70k, spend increased from $3k to $4k
๐Ÿ‘
a year ago - 16 Dec 2022
St.George Amplify Platinum - Qantas
Offer extended to 30 June 2023
๐Ÿ‘
a year ago - 16 Dec 2022
St.George Amplify Qantas Signature
Offer extended to 30 June 2023
๐Ÿ‘Ž
a year ago - 16 Dec 2022
St.George Amplify Rewards Platinum
Annual fee increased from $29 to $49. Kayo deal removed. Bonus lowered from 100k to 90k
๐Ÿ‘Ž
a year ago - 16 Dec 2022
St.George Amplify Rewards Signature
Annual fee increased from $139 to $199
๐Ÿ‘
a year ago - 16 Dec 2022
Suncorp Clear Options Platinum Credit Card
Offer extended to 28 February 2023
๐Ÿ‘Ž
a year ago - 16 Dec 2022
Citi Premier Qantas Card
Bonus reduced from 80k to 70k, first year annual fee increased from $175 to $350, spend increased from $4000 to $6000
๐Ÿ‘
a year ago - 16 Dec 2022
Citi Prestige Qantas Card
Offer extended to 31 January 2023
๐Ÿ‘
a year ago - 16 Dec 2022
Citi Rewards Card - Velocity offer
Offer extended to 31 January 2023
๐Ÿ‘
๐Ÿ‘
a year ago - 16 Dec 2022
Westpac Altitude Qantas Platinum
Offer extended to 29th June 2023
๐Ÿ‘Ž
a year ago - 16 Dec 2022
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Annual fee increased from $49 to $99
๐Ÿ‘Ž
a year ago - 16 Dec 2022
Westpac Altitude Rewards Platinum (Waived annual fee for Westpac Customers)
Offer extended to 29th June 2023, bonus lowered from 110k to 100k
๐Ÿ‘Ž
a year ago - 16 Dec 2022
Westpac Altitude Rewards Platinum
Offer extended to 29th June 2023, annual fee increased from $49 to $99, bonus lowered from 110k to 100k
๐Ÿ‘
a year ago - 16 Dec 2022
Westpac Altitude Velocity Black
Offer extended to 29th June 2023
๐Ÿ‘
a year ago - 16 Dec 2022
Westpac Altitude Velocity Platinum
Offer extended to 29th June 2023
๐Ÿ‘
๐Ÿ‘Ž
a year ago - 05 Nov 2022
American Express Explorer Credit Card
Bonus lowered from 70k to 50k
๐Ÿ‘Ž
a year ago - 05 Nov 2022
American Express Qantas Business Rewards Card (ABN holders w/ $75,000 revenue)
Bonus lowered from 120k to 100k
๐Ÿ‘Ž
a year ago - 18 Oct 2022
The Qantas American Express Ultimate Card
Bonus reduced from 75k to 50k
๐Ÿ‘Ž
a year ago - 13 Oct 2022
Virgin Australia Velocity High Flyer Card
Offer changed to $3.5k every month for 4 months.
๐Ÿ‘
a year ago - 13 Oct 2022
Virgin Australia Velocity Flyer Card
Offer changed from 60k points, to 100k points if you spend $1.5k every month for 4 months.
๐Ÿ‘
a year ago - 13 Oct 2022
The Qantas American Express Ultimate Card Referral Offer
Offer extended to Nov 22
๐Ÿ‘
a year ago - 13 Oct 2022
Qantas Premier Titanium
Offer extended to April 2023
๐Ÿ‘Ž
a year ago - 13 Oct 2022
Qantas Premier Platinum
First year annual fee increase from $249 to $299
๐Ÿ‘
a year ago - 13 Oct 2022
ANZ Rewards Black
Bonus increased from 80k to 150k, $150 cashback added, spend increased to from $2k to $3k
๐Ÿ‘
a year ago - 12 Sep 2022
Citi Premier - Bonus Points offer
Bonus increased from 130k to 150k first year, 50k second year, offer extended to 31/01/23
๐Ÿ‘Ž
a year ago - 12 Sep 2022
Citi Rewards - Cashback offer
Card removed from Citi website.
๐Ÿ‘
a year ago - 03 Sep 2022
Citi Premier - Bonus Points offer
Offer extended to 30/11/22
๐Ÿ‘
a year ago - 03 Sep 2022
Citi Premier - Cashback offer
Offer extended to 30/11/22
๐Ÿ‘
a year ago - 03 Sep 2022
Citi Premier Qantas Card
Offer extended to 30/11/22
๐Ÿ‘
a year ago - 03 Sep 2022
Citi Prestige Qantas Card
Offer extended to 30/11/22
๐Ÿ‘
a year ago - 03 Sep 2022
Citi Rewards - Cashback offer
Offer extended to 30/11/22, $2000 must be spent through ApplyPay
๐Ÿ‘Ž
a year ago - 03 Sep 2022
Suncorp Clear Options Platinum Credit Card
Offer extended to 30/11/22, first year annual fee lowered from $129 to $64, bonus lowered from 130k to 100k
๐Ÿ‘Ž
a year ago - 03 Sep 2022
The American Express Platinum Edge Credit Card
$200 Amazon rebate removed, first year annual fee lowered from $195 to $0, bonus reduced from 30k to 0
๐Ÿ‘Ž
a year ago - 26 Jul 2022
ANZ Frequent Flyer Black
Bonus lowered from 130k to 100k first year 30k second year (Thanks N. via Instagram)
๐Ÿ‘Ž
a year ago - 21 Jul 2022
HSBC Platinum Credit Card
Cashback lowered from $600 to $500 (Thanks S.Q!)
๐Ÿ‘Ž
a year ago - 12 Jul 2022
American Express Qantas Business Rewards Card (ABN holders w/ $75,000 revenue)
Bonus reduced from 150,000 to 120,000
๐Ÿ‘
a year ago - 07 Jul 2022
BOQ Platinum Visa Credit Card
Offer extended to 31 October 2022
๐Ÿ‘Ž
a year ago - 07 Jul 2022
BOQ Platinum Visa Credit Card (Home loan with BOQ)
Extra home loan bonus removed of 70k Q Reward points removed, annual fee $0 from first year only, to every year, offer extended to 31 October 2022
๐Ÿ‘
a year ago - 07 Jul 2022
NAB Qantas Rewards Premium Card
Bonus increased from 65k to 70k, first year annual fee reduced from $250 to $150
๐Ÿ‘Ž
a year ago - 23 Jul 2022
American Express Explorer Credit Card
Bonus reduced from 100k to 70k, spend reduced from $4k to $3k
๐Ÿ‘Ž
a year ago - 22 Jul 2022
ANZ Rewards Black
2022-07-22
๐Ÿ‘Ž
a year ago - 22 Jul 2022
ANZ Rewards Platinum
First year annual fee increased from $0 to $95
๐Ÿ‘
a year ago - 18 Jul 2022
Suncorp Clear Options Platinum Credit Card
Offer extended from 15/07/22 to 31/08/22
๐Ÿ‘Ž
a year ago - 08 Jul 2022
ANZ Frequent Flyer Platinum
First year annual fee increased from $0 to $295, $100 credit added
๐Ÿ‘Ž
a year ago - 03 Jul 2022
Westpac Altitude Qantas Black
Spend requirements increased from $4000 in 90 days ($45 per day) to $6000 in 120 days ($50 per day), offer ends 31/12/22
๐Ÿ‘Ž
a year ago - 03 Jul 2022
Westpac Altitude Qantas Platinum
Bonus reduced from 75k to 70k, offer ends 31/12/22
๐Ÿ‘
a year ago - 03 Jul 2022
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Offer extended from 30/06/22 to 31/12/22
๐Ÿ‘
a year ago - 03 Jul 2022
Westpac Altitude Rewards Platinum
Offer extended from 30/06/22 to 31/12/22
๐Ÿ‘
a year ago - 03 Jul 2022
Westpac Altitude Rewards Platinum (Waived annual fee for Westpac Customers)
Offer extended from 30/06/22 to 31/12/22
๐Ÿ‘
a year ago - 30 Jun 2022
St.George Amplify Rewards Platinum
Offer extended to 30/11/22
๐Ÿ‘
a year ago - 30 Jun 2022
Citi Premier - Bonus Points offer
Offer extended from 29/06/22 to 31/08/22
๐Ÿ‘
a year ago - 30 Jun 2022
Citi Premier - Cashback offer
Offer extended from 29/06/22 to 31/08/22
๐Ÿ‘
a year ago - 30 Jun 2022
Citi Premier Qantas Card
Offer extended from 29/06/22 to 31/08/22
๐Ÿ‘
a year ago - 30 Jun 2022
Citi Prestige Qantas Card
Offer extended from 29/06/22 to 31/08/22
๐Ÿ‘
a year ago - 30 Jun 2022
Citi Rewards - Cashback offer
Offer extended from 29/06/22 to 31 August 2022
๐Ÿ‘
a year ago - 30 Jun 2022
Citi Rewards credit card
Offer extended from 29/06/22 to 31/08/2022
๐Ÿ‘
a year ago - 30 Jun 2022
St.George Amplify Platinum - Qantas
Offer extended from 30/06/2022 to 31/12/2022
๐Ÿ‘
a year ago - 30 Jun 2022
St.George Amplify Qantas Signature
Offer extended from 30/06/2022 to 31/12/2022
๐Ÿ‘Ž
a year ago - 30 Jun 2022
The Qantas American Express Ultimate Card
Bonus decreased from 100k to 75k first year, 25k second year and expiration added 23/08/22
๐Ÿ‘Ž
a year ago - 30 Jun 2022
The Qantas American Express Ultimate Card Referral Offer
Bonus decreased from 110k to 75k first year, 25k second year and expiration added 24/08/22
๐Ÿ‘Ž
a year ago - 30 Jun 2022
St.George Amplify Rewards Platinum
Expiration changed from 31/12/2022 to 30/11/2022
๐Ÿ‘
a year ago - 18 Jun 2022
The American Express Platinum Edge Credit Card
Bonus increased from 0 to 30k, $200 credit added when $200 spent at Amazon in first 3 months, first year annual fee increased from $0 to $195
๐Ÿ‘Ž
a year ago - 18 Jun 2022
The Qantas American Express Premium Card Referral Offer
Bonus reduced from 80k to 30k
๐Ÿ‘
a year ago - 11 Jun 2022
The American Express Platinum Edge Credit Card
Offer expiration of 31/05/22 removed, so offer has no expiration date.
๐Ÿ‘
a year ago - 11 Jun 2022
BOQ Platinum Visa Credit Card (Home loan with BOQ)
Home Loan bonus increased from 40k to 70k points, spend lowered for home loan bonus
๐Ÿ‘
a year ago - 11 Jun 2022
Qantas Premier Platinum
Offer extended from 29/06/22 to 29/09/22
๐Ÿ‘
a year ago - 11 Jun 2022
CommBank Ultimate Awards Credit Card with Qantas Points
Offer extended from 30/06/2022 to 31/10/2022
๐Ÿ‘
a year ago - 11 Jun 2022
CommBank Diamond Awards Credit Card with Qantas Points
Offer extended from 30/06/2022 to 31/10/2022
๐Ÿ‘Ž
2 years ago - 31 May 2022
Citi Rewards โ€“ Flybuys offer
Offer extended, bonus reduced from 100k flybuy points to 40k
๐Ÿ‘
2 years ago - 31 May 2022
American Express Qantas Business Rewards Card (ABN holders w/ $75,000 revenue)
Bonus increased from 120k to 150k
๐Ÿ‘Ž
2 years ago - 28 May 2022
Citi Premier Qantas Card
Offer extended to from 28/04/2022 to 29/06/2022, bonus reduced from 100k to 80k
๐Ÿ‘
2 years ago - 18 May 2022
ANZ Frequent Flyer Black
Bonus increased from 100k first year, 30k second year to 130k first year
๐Ÿ‘Ž
2 years ago - 09 May 2022
The Qantas American Express Ultimate Card Referral Offer
Bonus decreased from 130k to 110k
๐Ÿ‘Ž
2 years ago - 05 May 2022
The Qantas American Express Ultimate Card
Bonus decreased from 120k to 100k
๐Ÿ‘
2 years ago - 05 May 2022
The Qantas American Express Ultimate Card Referral Offer
Bonus increased from 120k to 130k
๐Ÿ‘Ž
2 years ago - 13 Apr 2022
PayPal Rewards Card
Card is no longer offered.
๐Ÿ‘Ž
2 years ago - 24 Mar 2022
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Bonus reduced from 180,000 to 140,000.
๐Ÿ‘
2 years ago - 10 Mar 2022
Suncorp Clear Options Platinum Credit Card
Offer extended from 31/03/22 to 15/07/22
๐Ÿ‘Ž
2 years ago - 04 Mar 2022
Bank of Melbourne Amplify Rewards Platinum
Bonus reduced from 130k to 100k, first year annual fee reduced from $49 to $29
๐Ÿ‘Ž
2 years ago - 02 Mar 2022
Qantas Premier Platinum
First year Annual fee increased from $199 to $225, bonus lowered from 90k to 80k, spend requirement lowered from $3.5k to $3k
๐Ÿ‘Ž
2 years ago - 02 Mar 2022
The American Express Platinum Card
$500 cashback removed, bonus reduced from 250k points to 150k points first year, 50k points second year.
๐Ÿ‘
2 years ago - 02 Mar 2022
The Qantas American Express Ultimate Card
Bonus increased from 100k to 120k and extended to 27/04/22
๐Ÿ‘
2 years ago - 24 Feb 2022
Bank of Melbourne Amplify Rewards Platinum
Offer extended from 24/02/22 to 02/03/22
๐Ÿ‘Ž
2 years ago - 24 Feb 2022
Westpac Low Rate Card
Cashback changed from $400 cashback to $100 cashback each month for first four months, offer extended to 30/06/22
๐Ÿ‘Ž
2 years ago - 24 Feb 2022
Westpac Altitude Rewards Platinum
Bonus reduced from 130k to 110k, offer extended rto 30/06/22
๐Ÿ‘Ž
2 years ago - 24 Feb 2022
Westpac Altitude Rewards Platinum (Waived annual fee for Westpac Customers)
Bonus reduced from 130k to 110k, offer extended rto 30/06/22
๐Ÿ‘
2 years ago - 18 Feb 2022
CommBank Ultimate Awards Credit Card with Qantas Points
Offer extended from 28/02/22 to 30/06/22
๐Ÿ‘
2 years ago - 15 Feb 2022
Qantas Premier Titanium
Offer extend from 28/02/22 to 26/10/22
๐Ÿ‘
2 years ago - 13 Feb 2022
Westpac Altitude Qantas Platinum
Offer extend from 24/02/22 to 30/06/22
๐Ÿ‘
2 years ago - 13 Feb 2022
Westpac Altitude Qantas Black
Offer extend from 24/02/22 to 30/06/22
๐Ÿ‘
2 years ago - 08 Feb 2022
The Champagne Mile Exclusive Offer NAB Qantas Rewards Signature Card
New exclusive reward deal from The Champagne Mile
๐Ÿ‘
2 years ago - 07 Feb 2022
NAB Rewards Platinum Card
Annual fee reduced from $195 to 95, added second year bonus 20k points
๐Ÿ‘
2 years ago - 07 Feb 2022
NAB Rewards Signature Card
First year bonus increased from 90k to 100k and second year bonus increased from 30k to 40k
๐Ÿ‘
2 years ago - 02 Feb 2022
BOQ Platinum Visa Credit Card (Home loan with BOQ)
Bonus increased from 120,000 to 150,000 and time limit increased from 60 days to 90 days
๐Ÿ‘
2 years ago - 02 Feb 2022
BOQ Platinum Visa Credit Card
Bonus increased from 120,000 to 150,000 and time limit increased from 60 days to 90 days
๐Ÿ‘
2 years ago - 01 Feb 2022
Citi Premier - Cashback offer
Spend requirements lowered from $4000 to $2000
๐Ÿ‘
2 years ago - 01 Feb 2022
Citi Rewards - Cashback offer
Spend requirements lowered from $3000 to $2000
๐Ÿ‘Ž
2 years ago - 31 Jan 2022
ANZ Rewards Platinum
Bonus decreased from a $500 gift card to 50,000 points. Overall profit reduced from $500 to $220.
๐Ÿ‘Ž
2 years ago - 31 Jan 2022
ANZ Rewards Black
Bonus decreased from 180,000 to 80,000. Overall profit reduced from $820 to $370.
๐Ÿ‘
2 years ago - 19 Jan 2022
The Qantas American Express Ultimate Card
Bonus increased from 55,000 to 100,000
๐Ÿ‘
2 years ago - 19 Jan 2022
The American Express Platinum Card
Bonus increased from 150,000 first year, 50,000 second year to 250,000 first year and added $500 credit
๐Ÿ‘
2 years ago - 14 Jan 2022
American Express Qantas Business Rewards Card (ABN holders w/ $75,000 revenue)
Bonus increased from 120,000 to 150,000 and first year annual fee reduced from $450 to $0
๐Ÿ‘Ž
2 years ago - 10 Jan 2022
The American Express Platinum Card
Bonus reduced from 300,000 to 150,000 first year, 50,000 second year
๐Ÿ‘
2 years ago - 09 Dec 2021
Bank of Melbourne Amplify Rewards Platinum
This card is now added and tracked.
๐Ÿ‘
2 years ago - 08 Dec 2021
Suncorp Clear Options Platinum Credit Card
Bonus increased from 100,000 to 130,000. First year annual fee increased from $64 to $129. Overall profit increased from $426 to $511.
๐Ÿ‘Ž
2 years ago - 04 Dec 2021
American Express Explorer Credit Card
Bonus reduced from 150,000 to 100,000 and spend requirement increased from $3000 to $4000
๐Ÿ‘
2 years ago - 03 Dec 2021
American Express Explorer Credit Card
Bonus increased from 100,000 to 150,00 and spend requirement dropped from $4000 to $3000
๐Ÿ‘Ž
2 years ago - 02 Dec 2021
American Express Explorer Credit Card
Bonus reduced from 240,000 to 100,000 and spend requirements increased from $3000 to $4000
๐Ÿ‘
2 years ago - 29 Nov 2021
Westpac Low Rate Card
Offer extended from 30/11/21 to 24/04/22.

How credit card reward programs work

There are three basic parts

  1. Spend money, earn points
  2. Sign up points bonus
  3. Redeem gift cards with your points

When you spend money on a credit card with a reward program, you earn points for each dollar you spend. The rate you earn points depends on the card - it might be 1 point per dollar, 2 points or 1/2 a point.

Most credit cards with reward programs also give you a sign up bonus of some large number of points - think 100,000 points.

Each credit card provider has their own reward program, and you can use this to redeem your points for goods or gift cards. All the dollar values on this site are the values of Woolworths or Coles gift cards redeemed with points. The point requirement is different in each program. Generally, using Qantas points for gift cards is worse than using the banks own reward program.

Each credit card comes with an annual fee. Often credit cards will wave the annual fee for the first year. I generally don't keep a card longer than a year, to avoid the second year annual fee. Some credit cards split their bonus points over two years, e.g. 80k the first year, and 20k the second year. This means you have to pay two annual fees. Sometimes its worth it, sometimes its not.

What is credit card churning?

Credit card churning is where you move between different credit cards, signing up to earn the sign up bonuses.

Credit card churning has 4 steps

  1. Sign up for a new credit card
  2. Spend the spend requirement to earn the sign up bonus
  3. Redeem the sign up bonus for gift cards
  4. Cancel the card
  5. Repeat from step 1.

Each Bank/provider generally has a period you have to wait, before you can sign up again and be eligible for another sign up bonus. The period is normally 12 months, but for some its 18 months (like AMEX).

This means, if you signed up for an credit card card on Jan 1st, earned the bonus within 3 months and cancelled it, you could be eligible to sign up again, and earn another signup bonus by April the next year.

Scoring

All the cards are graded on a curve on four categories:

  • Churn Score - the overall performance of the card, factoring in all the factors below.
  • First Year Annual Fee Score - how high the first year annual fee is. The annual fee often goes up the second year, so I always churn away before paying that fee.
  • Bonus Value Score - how much gift card credit you will end up with after you: pay the first year annual fee, meet the spend requirement, earn the bonus points and the points you gained from reaching the spend requirements, and then redeem it for gift cards from the card's reward program.
  • Bonus Difficulty Score - how hard it is to reach the requirements to earn the bonus - often spend $X in Y days.
  • Earn Score - how easy it is to earn another gift card, after you earn the bonus. Some cards, you earn 2 points per dollar, some cards, have cheaper points for gift cards.

Will this affect my credit rating?

Yes, credit card enquires do affect your credit score - it's more a question of the amount. There are three different credit score providers in Australia: Illion, Equifax and Experian. Find out more from the gov. Since I started credit card churning for a few years, my credit score has dropped from "excellent" to "very good", which I am fine with. I monitor my credit score with these three services:

Hey all! Hope you are enjoying the site.

If something out of date or I've missed a card, let me know on instagram or facebook and I'll get it updated ASAP.

You can also check out my other sites for half price groceries on amazon and finding qantas business reward flights


Craig
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