Currently hold the Amex Essentials rewards card (the $9PM one) and I’m actually quite happy with it. I always hit the 10,000 monthly points cap on the accelerated categories and the 60,000 bonus points of the Explorer doesn’t seem worth it to me.
The explorer is technically “free” with the travel credit but I realistically only travel once a year.
What do y’all think?
Hi all,
Looking to get a Credit Card but seriously unsure of what to get. Here’s some basic details
- Couple with $160k combined income (I earn 80k and it will be a credit line under me)
- all our expenses are through a credit card which I then pay off monthly
- we fly often, up to 5 times a year for sport domestically and family travel (often with virgin)
Looking at something which allows us access to points and some perks but unsure if we go with QFF or Virgin (have both accounts, currently virgin has more points but not by much)
I’ve narrowed it down to the Westpac Altitude Platinum with Velocity or the Amex Velocity Platinum.
Are there any others which I might have missed? Any and all info and tips is greatly appreciated
Cheers
Can someone in the know confirm -
Tax payments now are not going to have any credit card charge (due to the surcharge ban)
And the ATO put a hold on their decision to remove credit card as a payment option for a year.
So I could get this card https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-platinum/ and pay my business BAS payments and rack up the points, cancel before end of first year?
We have the CBA Ultimate credit card that we are keeping for now as we are travelling overseas next month and taking advantage of the no fx fees (also currently a free credit card for us as we also have our mortgage with them and wealth package waives the credit card fee)
Anyway, we have opted to transfer our points direct to Qantas FF for a $149 annual opt in fee. I didn’t realise that you can just convert your Yello points to Everyday Rewards which can then convert to Qantas points for free! Literally no difference with the qantas points conversion except we paid $149!
Called Commbank today to opt out and ask for a refund but they won’t allow refunds. Don’t do the same mistake as we did!
Just wanted to test if the card was working fine or not, so I did the only transaction that makes sense.
Paying my wiki debt one small token at a time.
I recently used my 2 free lounge access with my CBA Ultimate card, and was wondering if I can either request a new card or upgrade my normal debit card to World Debit to get another 2?
Is there any limit to how many times I can do this if I use different email for Dragonpass?
I have a mortgage so Ultimate is free and World would be $5.
I applied for a Qantas Money credit card on 23rd September 2026. Got the instant conditional approval, and was asked to upload my payslips, which I did right away. Nothing since then.
It has been 9 days now (7 business days). Following up is pretty useless, because they always say that everything looks good and they are waiting for the final approval from their so-called 'backend team'.
I am not surprised because their provider is NAB (since NAB seems to be the slowest and least efficient among major providers, going by the feedback around here). But I am completely in the blind here. I am waiting on a decision so that, if approved, I can close my existing card before the next statement which will come with the annual fee.
I am not too familiar with this process since this is only my second credit card application, and my first in over 7 years. Is there any way to expedite this at all? Or is this just how it works - apply and then wait indefinitely, with no useful information from their support team?
Also, are there any 'tricks' to get this escalated and at least looked into (irrespective of whether it is approved or not)? I don't want to withdraw now because a hard credit check has already been done.