Hello community..
Need your advice on which credit card to choose through the BreakFree package from ANZ.
They are by default giving platinum plus card.
Just wanted to get an opinion on what card to choose that has much value.
Help Me Choose CC - ANZ HL with Package
danger163 on 13/08/2017 - 19:12
Last edited 13/08/2017 - 19:13
Last edited 13/08/2017 - 19:13
Comments
If you want to have less money than you did before get a credit card. They cause an automatic and unconscious increase in the amount of money that you spend.
I've control on what to buy and where to spend, so that's not going to be a problem.
My loan is with ANZ with the said package, and I've got the Platinum FF. They credit you 50,000 FF points when you spend $2,500 for the first three months. But note they also charge you $55 for Qantas service fee or something.. so if you have a supp card it's $110, though your annual card fee is waived. So I'm considering cancelling this and getting something else if there's any better option.
Thanks! What is the use of those points? Can be redeemed for flights? I don't fly frequently, if those points are only for redemption of flights.
Most of our clients who find themselves flying pretty regularly with QANTAS seem to be choosing the ANZ Frequent Flyer Black because you get rewards points AND status credits (which is pretty unique amongst home loan packaged credit cards).
That said, as others have pointed out, you have to meet all the minimums (spend, income, limit) - so realistically, unless you're already doing regular personal/business travel & meeting the minimums with ease, it may not be appealing to you personally.
Hope this helps.
EDIT: We just saw your reply where you said you don't fly often. Perhaps check out this card instead (it is similar but it is not oriented to frequent travellers).
If you are going with ANZ then check their website for inclusions and pick the one that suits you best. Impossible to give recommendations with the limited information you have given.