What is in your wallet?

[Deactivated] on 19/11/2014 - 06:07
Last edited 19/11/2014 - 08:27

Hi ozbargainers
I love having the most efficient wallet. I know there have been various discussions about different bank accounts, credit cards, private insurance cards etc. I'm lazy to go through them one by one.

I like to think I have a pretty efficient system going on in my wallet. Here are the contents of my wallet

  1. Drivers licence for id
  2. Opal card for travel to work
  3. Medicare card for bulk bill gps
  4. Coles platinum cc $49 annual fee $1000 spend for $10 Coles gc -my annual spend $40000.00. Double up as fly buys card.
  5. CPA Amex for Amex deals no fee -only to spend on Amex deals
  6. Nib health insurance card -mostly use on extras dental/optical and to avoid mc levy
  7. Ing orange debit keycard $0 annual fee, $0 withdrawal. Account for cash withdrawal . Also where my salary goes in and withdrawn to pay my mortgage.
  8. Nrma car assist card.

Please share - what is in your wallet?

Have you got a more efficient credit card, private insurance, bank acct etc?
And why is yours better than mine.

Financial

Comments

  • bhm133 on 19/11/2014 - 07:02
    +2

    Moths.

  • c64 on 19/11/2014 - 08:04

    And why is yours better than mine.

    mines lighter than yours :) i don't carry around anything more than i have to. normally my wallet doesn't contain my medicare card or other useless junk that i seldom use

  • tomclancy on 19/11/2014 - 08:08
    -1

    Don't need your Medicare card or nrma card in your wallet, troll :)

  • Hotpotcorn on 19/11/2014 - 08:21

    medicare
    cash
    drivers licence
    credit card
    bank card
    myki
    flybuys
    everday rewards
    qantas frequent flyer

  • dasher86 on 19/11/2014 - 09:20

    condoms from the below.
    https://www.ozbargain.com.au/node/166912

    myki
    drivers licence
    ANZ Rewards Cards
    28 Degrees Master Card
    $1118.25 in cash and coins.
    old receipts.

  • lolmao on 19/11/2014 - 11:09

    drivers licence
    myki
    2 credit cards (1 amex, 1 visa)

    thats all. everything else only when requried. and bank card not required (cardless cash).

  • coin saver on 19/11/2014 - 11:23

    Drivers licence and Work Access Card. I figure wife carries that big bag around she might as well carry my stuff to.

  • Baysew on 19/11/2014 - 11:36
    +4

    Joe Hockey

  • akastyl13 on 19/11/2014 - 15:39

    ID
    French driving license ( http://static8.depositphotos.com/1235619/939/i/450/depositph… )
    $30
    westpac debit
    Opal Card
    Everyday Rewards Woolworths
    Premiere Card from overseas bank
    DickSmith gift card
    A hobbit

    • FiDad on 31/12/2014 - 12:36

      A hobbit ?

  • ethereal88 on 19/11/2014 - 15:56

    Stack of 100s and Medicare. What else do you need? Credit? HAHAHAHAHAHAHAHA.

  • [Deactivated] on 19/11/2014 - 16:11
    • ID
    • 2x CC (MC/AMEX)

    I like my wallet in bare minimal config, if I'm going to a doc I'll take along Medicare, if I need to use public transport I'll take along Opal, etc. Not sure why you need to have it in there permanently.

  • grabngo on 21/11/2014 - 19:21

    So I am not the only one that keeps heaps of cash !!!
    Great
    I keep $1000 plus credit cards,bank cards,medical insurance cards etc
    Wallet cant close

    • nimnomnimy on 31/12/2014 - 10:08

      In Australia is makes no sense to carry more than you need on you because cards / credit cards are so widely accepted.

      cash you keep on you doesn't earn interest so you are losing money carrying it

      • retiredfeline on 31/12/2014 - 10:14

        Time is money so Paywave/pass is better than chip and PIN CCs. Plus any applicable cashbacks.

        Sometimes you need cash for purchases under the store's threshold. Buying more than you need to get over the threshold will lose you more than any piddling interest earned.

        • nimnomnimy on 31/12/2014 - 10:19

          Agree on payWave/PayPass
          But generally speaking, around $100 is a good amount to carry to cover those odd times when there is a minimum spend to use cc.

          you don't need to carry $1000, at 5% averaged it's still $50 a year

        • retiredfeline on 31/12/2014 - 10:19

          @clickship: $100 is about $5 interest per year. I can wear that.

        • nimnomnimy on 31/12/2014 - 10:44

          @greenpossum: yea, $100 is a good amount. You should rarely need more than that on you in cash

  • smoothymcmellow on 24/11/2014 - 15:10
    +1

    Drivers Licence
    Bupa Insurance Card & Medicare
    Citibank Signature CC (no fee for life, travel insurance, great rewards program, 15k limit)
    28 Degrees for online overseas purchases
    Citibank Plus card for withdrawing cash overseas
    Commbank DebitCard (which links to my everyday offset account)
    Flybuys
    Corporate CC
    Myki
    Eb World card (use them to price match wii U games)
    Usually no more than $200 cash

  • nimnomnimy on 31/12/2014 - 10:12

    Driver license
    Medicare
    Health insurance
    4 credit cards (own, work, 28degrees and points)
    Bank card
    Business cards
    Entertainment card
    Cash ($50 and 2x $20 unless I know in going to need more)
    And about half a dozen loyalty cards

  • phamid on 31/12/2014 - 11:57

    Driver's Licence
    Citibank Signature CC - $0pa Useful when Amex isn't accepted
    Citibank Debit Card - Very useful when I've been travelling around China/Singapore
    American Express Platinum Edge - $0pa Made to companion for Green CC
    American Express Green Charge Card - $80pa For when I make large expense claims at work and procure stuff on behalf of friends
    Regus Gold Card - Carry it around for free coffees/office space/wifi in the city
    Opal
    Travel Concession Card
    ~$200 Cash

    Other cards (Medicare, NIB, Other Debit) kept at home when needed.

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