Credit card recommendations... Not frequent flyer

Niko123456 on 28/03/2020 - 19:49
Last edited 28/03/2020 - 19:49

I'm currently collecting Virgin Australia points and it's been successful at getting me flight upgrades etc.

But it's probably not worth collecting these for a while and I'm looking for a new strategy..

But I have no idea where to start..

-Low interest.. don't care, never pay interest.
-Points on Qantas… No point, have no status and they're too expensive.

Which leaves Amex and Coles MasterCard for Flybuys.. both equate to money off balance or supermarket points..

What else is out there? Any other strategies?

Financial

Comments

  • Arthur Dunger on 28/03/2020 - 22:51
    +1

    28 Degrees Mastercard. No international transaction or currency conversion fees. No annual fee.
    https://www.28degreescard.com.au/

    • Niko123456 on 29/03/2020 - 08:35

      International currency conversion.. interesting! Hand thought of that as a feature.

  • SmiTTy on 28/03/2020 - 22:56
    +1

    You can always collect flyer points for the sole purpose of selling them

    No need to use them

    • Niko123456 on 29/03/2020 - 08:33

      I'm suggesting that virgin is likely to go bust, and the points will be worthless..

      • SmiTTy on 29/03/2020 - 20:20

        Then get Qantas.

        • Niko123456 on 29/03/2020 - 20:27

          I have no status, and despite not wanting to spend 110k points on a one way upgrade to LA (45k on Virgin), no status means I won't get it anyway.

  • p1 ama on 28/03/2020 - 23:50

    Just get the fee-free card from whomever you're currently banking with

    • Niko123456 on 29/03/2020 - 08:34
      +1

      That feels like I might as well just use my debit card..

      • p1 ama on 30/03/2020 - 03:34

        Well you said you weren't looking for points. In general if your strategy is to just get $ off your supermarket shop, it'll be hard to justify the fee.

        • Niko123456 on 30/03/2020 - 08:32

          I am absolutely looking for points, just not FF points.

          • p1 ama on 30/03/2020 - 14:10

            @Niko123456: Then it's best to collect FF points and then find some way of selling them. They are the only points really worth collecting.

  • hashtagbargain on 29/03/2020 - 03:01

    I can recommend Amex. Definitely get my money’s worth every year.

    • Niko123456 on 29/03/2020 - 08:34

      In the statement credits?

      I had one a while back but they changed their point structure and it wasn't worth it.

      Or have the special offers bounced back?

      • hashtagbargain on 29/03/2020 - 10:49

        Yeah travel credits, decent points, great customer service, free additional cardholders, great app, travel insurance.

        Just the travel crédit bit Almost makes it break even for me.

        Granted the offers aren’t as massive as they once were, but it is still good value.

        If you are serious about rewards, you should consider Anz black or travel adventures, I remember I got back more in vouchers as point redemptions that year I held that card than any other card.

  • Neoika on 29/03/2020 - 12:03

    I recommend Kogan Black VISA & AmEx Essential.

    Similar topic 3 months ago

  • blueyez on 29/03/2020 - 18:05

    Latitude Infinity Rewards, can redeem points for gift cards

  • randomthought on 31/03/2020 - 15:36

    Amex Essentials card + CUA Platinum Brisbane Heat Mastercard, both earn points and no annual fee when I got them anyway, looks like the CUA card now has an annual fee after the first year.

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