Credit Card Minimum Spend Workarounds

Hi All,

I am trying to compile a list of things to put on your CC to meet the minimum spend for bonus points?

So far I have found:

  • PayPal transfer to family (2.4% + 30c per transaction)
  • Pay tax (AMEX 1.45%, Visa/MC .54%)
  • Gift Cards (Namely Woolies 5% off)
  • Forward pay rates/utilities (.61%) Not sure how you even do this?

Does anyone have any further ideas? Will hopefully be getting 2x ANZ frequent flyer cards (missus + me) so need to rack up $5k spend.

Comments

  • What's the time frame to spend?

    • 3 months

  • What about paying bills for family members on card and being reimbursed with cash from them?

  • +4

    A popular one is to book a business class plane ticket for a year later and cancel it when the points are credited.

    • +1

      Was going to suggest this too. Qantas charge 1.3% but it's capped at $11. Make sure you check the fare rules before booking though to make sure you select a refundable (without a fee) fare. Some of the business class fares still have a cancellation fee, such as $600 for flights to Asia.

      • Oh wow, some good tips and a nice way to get points. I think that might be just about the best way I have ever heard of to get the spend. I will have to double check cancellation fees if I go ahead.

        Edit: What does refund for journey travelled mean?

    • Do they pay the money back to the same credit card? Can I use one or more visa gift cards for this purpose?

  • Pay tax (AMEX 1.45%, Visa/MC .54%)

    https://www.anz.com.au/content/dam/anzcomau/documents/pdf/an…

    You will not earn Rewards Points on interest
    charges, premiums paid for ANZ Credit Card
    Insurance, government charges, bank fees,
    payments made to the Australian Taxation Office or
    other taxation payments or duties, card account
    adjustments resulting from disputed transactions
    or otherwise, balance transfers or cash advances (as
    defined in the ANZ Credit Cards Conditions of Use)
    or transactions which are identified to ANZ by the
    relevant merchant or any intermediary financial
    institution as falling into one of these categories.
    Bonus Reward Points will not be earned in the
    Bonus Points Mall on the purchase of gift cards, GST
    or delivery and shipping charges.

  • -1

    Has anyone tried to book for Tesla Model 3 deposit $1500 and cancelled booking after receiving points ?

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