Hi Ozb,
So I am in the market for a new CC, having recently had the ANZ Black, Westpac Black and AMEX Explorer I am not eligible for a few of the great deals. I thought I would share my findings and ask if anyone knew of anything better than my options here. Currently it looks to be the Qantas Premier with almost best Cents Per Point (ROI) and highest value return if points sold @ 1c per point.
Some things to note:
I have only included the liquidatable things given in the package, ie some of the CCs listed here have lounge passes but are for priority pass, so you can't on sell.
I did not include some of the higher end CCs because I do not meet the income requirements to be eligible.
Value is calculated by assuming points being sold at 1c per point take the annual fee, (plus any lounge passes).
FF points are either in Qantas or Velocity
I have probably noted something down incorrectly so don't take this for granted, as well as deals always changing go checkout the site before making your decision.
| Card | Annual Fee | Min Spend | Time | Sign Up Bonus | Converted FF Points | Cashback | $50 Lounge Passes | Value | Cents Per Point |
|---|---|---|---|---|---|---|---|---|---|
| Qantas Premier | $149 | 3000 | 90 | 75,000 | 75,000 | 0 | 2 | $701 | 0.1933333 |
| St Geor Amp Sig | $279 | 3000 | 90 | 60,000 | 60,000 | 0 | 2 | $421 | 0.4583333 |
| Citi Sig | $199 | 3000 | 90 | 120,000 | 60,000 | 0 | $401 | 0.3316667 | |
| HSBC Plat | $199 | 3000 | 90 | 60,000 | 60,000 | 0 | $401 | 0.3316667 | |
| Citi Plat | $49 | 3000 | 90 | 100,000 | 40,000 | 0 | $351 | 0.1225000 | |
| BOM Amp Sig | $279 | 3000 | 90 | 60,000 | 60,000 | 0 | $321 | 0.4650000 | |
| BOM Amp Plat | $99 | 3000 | 90 | 40,000 | 60,000 | 0 | $301 | 0.2475000 | |
| St Geor Amp Plat | $99 | 3000 | 90 | 40,000 | 60,000 | 0 | $301 | 0.2475000 | |
| CBA Low Rate | $59 | 1000 | 90 | 0 | 0 | $300 | $241 | 0 | |
| AMEX DJ Plat | $295 | 3x away from DJ | 30 | 50,000 | 50,000 | 0 | $205 | 0.5900000 | |
| AMEX DJ | $99 | 3x away from DJ | 30 | 30,000 | 30,000 | 0 | $201 | 0.3300000 | |
| NAB Rewards Sig | $295 | 4000 | 60 | 90,000 | 45,000 | 0 | $155 | 0.6555556 |
Good work. Suggest you add the westpac and anz to the table for others to examine and compare.