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Bankwest Breeze - Credit Card with 5% Cashback on Everyday Purchases for 12 Months

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Bankwest Breeze - Credit Card with 5% Cashback on Everyday Purchases for 12 Months
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ShortyX on 14/09/2011 - 20:41 bankwest.com.au (2049 clicks)
Last edited 15/09/2011 - 16:27

First posted by scotty - http://www.ozbargain.com.au/node/52933 -

So basically you will get 5% back on supermarket purchases, petrol station purchases and utility bills, for up to 12 months. They do have annual fee for the first year though ($69 for classic, $99 for gold, $130 for platinum) which means you'll need to spend at least $1,380 in supermarket, petrol station, etc in a year to make it worthwhile (for the classic card). There is a spending threshold to have annual fee exempted for subsequent years ($10k for classic, $15k for gold, $20k for platinum).

T&Cs:

  1. 5% Cashback Offer is available to customers who apply for a Bankwest Breeze MasterCard account on or before 31 October 2011.
  2. For 12 months from the account open date, if you are an eligible customer your account will be credited, on a monthly basis, with 5% of the value of each eligible purchase made using the Bankwest Breeze MasterCard. Cashback will be automatically credited to your account on the first day of your next statement cycle.
  3. Eligible purchase means: purchases at grocery stores, petrol stations and on utility bills where one or more of the following MasterCard Merchant Category Codes apply: 5411-Grocery Stores & Supermarkets, 5541-Service Stations, 4900-Utilities, 5499-Miscellaneous & Special Food Stores, 5172-Petroleum & Petroleum Products, 5542-Automated Fuel Dispensers (category codes are subject to change). Excludes balance transfers, cash advances and business-related purchases.

EDIT: Card does have up to 55 days interest free.

Financial Credit Card

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closed Comments

  • anti-hero on 14/09/2011 - 20:47

    5% is a lot for credit card cashback
    If you spend 10K a year, cash back will be
    5% X 10K= $500

    • scotty on 14/09/2011 - 20:57
      +3

      Do note that it's limited to supermarkets, petrol stations, utility bills, etc. However with the price of petrol these days, it's easy to cover the annual fee. You can probably also combine those 4c/litre vouchers and then you get 5% cash back on top of that :)

    • ozhunter on 14/09/2011 - 20:57

      this saving is restricted to grocery, fuel and utility expenses

      Seeing the prices of fuel, food, and electricity and water rates these days, it's easy to spend 10k/yr which makes up for the annual fee and credit card surcharges.

    • clandestino on 14/09/2011 - 20:59
      +19

      Seems like a great bargain to me.

      Utilities - lets say $2,000 per year
      Food - $200 per week, lets say $10,000 per year
      Petrol - $30 per week, lets say $1,500 per year.

      That's $13,500 of costs that a typical family will be committed to in any one year. With this credit card they get back approx $700 cash. That is significantly better that a single $50 rebate. In fact, how is that even comparable to this deal ?!!!!

      In summary - great deal if you have income and expenses. Not so great a deal if your 16, living at home, working in mcdonalds and trawling ozbargain for the latest free iphone apps.

      • scotty on 14/09/2011 - 21:04
        +3

        Indeed. And $30/week on petrol?! I live in Sydney Eastern suburb, don't drive a lot, drive a 2 litre people mover and I spend way more than that!

        My suspicion would be that they would change the terms and conditions on cashback half way through the first year as people are claiming too much cashbacks.

        • ShortyX on 14/09/2011 - 21:06

          Good point…I guess they could change the conditions at any time.

        • danyool on 14/09/2011 - 23:20

          Yeah, i suspect thay would cap how much you could get. (surprised it isn't already limited)

      • pastapins on 15/09/2011 - 10:13

        Wow.. That's free rego!

    • ShortyX on 14/09/2011 - 20:59
      +1

      Sorry not following delfredo. Doesn't the HSBC only give $50 cashback every month for 3 months which is a maximum of $150? This Bankwest gives 5% cashback over 12 months.

      • ozhunter on 14/09/2011 - 21:02

        Looks like it's a one-off $50 cashback, you just have to use the credit card each month for the 1st 3 months.

        • ShortyX on 14/09/2011 - 21:06

          Ah ok, thanks

    • [Deactivated] on 14/09/2011 - 23:21
      +7

      Dont neg this guy, hes somehow managing to spend less than $1380 a year in groceries/fuel/utilities… I want his secrets.

      I have a sneaking suspicion that his secret may be living with mum and dad though.

      • frewer on 15/09/2011 - 08:53

        $1380 per year per groceries is possible if one cut or have less on vegi
        Meaning: $20 groceries/week = $1120/year, one will have $260/year to spend on vegi [ dang potatoes]), oh you have to travel by bike as well ( no public transport).
        Provided all that, yes $1380 a year is possible…
        Just ask your old parent or partner for the $ for rent,bills and your entertainments (unless you're a monk living in a temple - tbh, suck to be monk).

  • neil on 14/09/2011 - 20:57
    +2

    As stated in the other thread, I don't think this is a good deal for cashback. You can get 5% off of Coles/Woolworths via a rewards programs like Infinite or ones through unions/sports clubs. Additionally, you can often get them from eBay a bit cheaper.

    As for utility bills, my electricity (Neighbourhood) and Phone/Internet (Exetel) charge a fee for paying bills with a CC. My water doesn't but it's a small bill.

    Now what could be profitable is the 5.99% interest rate. Ubank offers 6.51% interest so you could work out a scheme to leave all your expenses on the card and make a profit of whatever you spend * .52%.. Then again you could simply get the BP Citibank cashback card and receive .5% cashback anyway. I like the QANTAS Discovery card you mentioned before as it offers better profits.

    http://www.ozbargain.com.au/wiki/credit_card_rewards_compari…

    • ozhunter on 14/09/2011 - 21:01

      Using a credit card is much more convenient than buying gift cards off ebay etc.
      BP is usually a rip off compared to other petrol stations.

      Seems like a good credit card to get if you plan on getting one, but I wouldn't close my existing one for it as there are alternatives ways as you mentioned to save money.

      • neil on 14/09/2011 - 21:06

        True it is more convenient but remember you are going to be down the annual fee so it's a $69 difference in buying gift cards. Not sure where you buy petrol from but the prices are almost all the same where I live (Melbourne). http://motormouth.com.au/pricesearch.aspx?Region=Melbourne

        • danyool on 14/09/2011 - 23:24
          +2

          It's pretty rare that giftcards go for less than 95% of their value. Some even go for MORE than their value. eg, a $100 voucher goes for $101 - and maybe postage extra. What's up with that?? Are these bidders crazy?

        • neil on 14/09/2011 - 23:44
          +1

          I usually get them for 5% or better. Advanced tip: If you see a good deal on a Westfields card, buy it. You can use it at Kmart (at some of them) and then buy Coles Myer gift cards.

          I do wonder about the ones that go over the price. Possibly money laundering?

        • muzzamo on 15/09/2011 - 09:37
          -1

          My Social club sells the gift cards, and doesn't charge a fee for paying with Visa.

          My Visa rewards points are worth 0.6%, so i'm effectively getting 5.6% off my groceries etc.

      • leeroys_dad on 14/09/2011 - 21:25

        diesel @ BP 140c
        diesel @ caltex 146

        brisbane north

    • clandestino on 14/09/2011 - 21:07

      I'm not sure that I understand how the qantas discovery card is better than the bankwest cashback offer. Perhaps I just don't understand your comparison table….the table makes the assumption that you "spend $5,000 per month". If we assume that only $1,000 of this expenditure is eligible for cashback, then you'll receive $600 cashback in 12 months. Subtract the cc fee, and you are still ahead with the bankwest card.

      • neil on 14/09/2011 - 21:20

        The comparison wiki tries to cater for a certain set of conditions but it's a bit different for everyone. The comparison costs in that table doesn't factor in the gift cards. Also with some of those cards you can redeem for gift cards. It gets tricky comparing these!

        So you would get ~5% back plus a point for each purchase including the purchasing of the giftcards. So you would get the same amount as Bankwest and end up with enough points at the end of the year to redeem 16 Coles/Woolworths or whatever gift cards (~$400). $400 QANTAS rewards plus the $600 saved on gift cards. Now, don't ask me to calculate compound interest on the redeems gift cards. Of course, you could just redeem for flights. May work out better according to your situation.

        • ShortyX on 14/09/2011 - 21:47

          Are you saying you get ~5% back with the Qantas Discovery? Can't see that anywhere.

        • ozhunter on 14/09/2011 - 21:50

          No not with Qantas Discovery.

          "You can get 5% off of Coles/Woolworths via a rewards programs like Infinite or ones through unions/sports clubs. Additionally, you can often get them from eBay a bit cheaper." From neil's comment above

        • neil on 14/09/2011 - 21:50

          No, ~5% using Infinite Rewards, Society Membership, Union, Sports club or buying them from eBay.

        • ShortyX on 14/09/2011 - 21:53

          Makes more sense! Thanks guys.

      • joannatan on 14/09/2011 - 21:50
        +1

        how about like this, you apply qantas discovery card, and apply additional card holder, not sure how many you can apply, if 4 additional card holder that is very good.
        if you got 4 additional card holder + main applicant, total will be 5 card holder then every card member register on this amex promotion http://www.ozbargain.com.au/node/50042

        then every member buy wish gift card $250 at big w, then wait your $50 rebate. for $1250 investment, you get rebate $250

        also for that 1250 purchase you also get 1250 qff point

        • neil on 14/09/2011 - 21:52

          Transactions made on another Card account or a supplementary Card with a different Card number are not eligible.

          I like the idea though!

        • ozhunter on 14/09/2011 - 21:53

          Don't think that would work.
          From the t&c

          Limit of one $50 Rebate per Cardmember.

          It's one $50 per cardmember, which to me means it excludes additional card "holders"

        • joannatan on 14/09/2011 - 21:57

          read on that link, and read the below comment

          "kennethk on 02/08/2011 - 12:15
          Always wonder if you could register the main card and a supplementary card and take advantage of the $50 on both cards or is it one $50 per account

          EDIT: FYI, I just received $100 (2x 50) for the previous electronic offer - Main card + Sup card so I suppose this answered my question above :) hope this helps"

    • Cluster on 14/09/2011 - 23:50
      +3

      "Now what could be profitable is the 5.99% interest rate. Ubank offers 6.51% interest so you could work out a scheme to leave all your expenses on the card and make a profit of whatever you spend * .52%.. "

      That doesn't quite work. You need to pay tax on the earned bank interest. Most people pay about 25% income tax so that 6.51% becomes around 4.9%. You would be paying 5.99% and earning 4.9% on the same money.

      Where it is profitable is where you have an offset account for your mortgage. Interest on the mortgage is charged on after tax money, so any arbitrage difference you can make on your money you get to keep. Ie. 7% home loan minus 5.99% interest rate = 1.01% gained on the money.

      • shiftyphil on 15/09/2011 - 13:31

        If you do it right, you can claim the interest charges as an expense, and get the tax back from it to even the ledger - but you would have to actually transfer the money from the card to the savings account, rather than put all the expenses on the card and use the free cash flow for savings.

        Google 'stoozing' for some details on how some people do this, but the best way I have found is using a citibank card that allows "balance transfers" to be taken as cheques.

    • downtime on 15/09/2011 - 14:35

      neil, the comparison table seems wrong for the Westpac Altitude Platinum Amex.

      If you spend $5000/month all on Amex, you'll get 5000 * 12 * 3 = 180,000 points a year, equivalent to about $1060 in rewards (based on 16,950 pts = $100 gift card). That's not counting the 15,000 initial bonus points.

      In reality you have to spend some on the accompanying MasterCard due to merchants' restrictions on the Amex. If you have a $1 MC : $1 Amex mix (lower on what I have), you'll still get around $700+ in rewards.

      For really high spenders in the assumptions ($5000/m is way over my league!), the Altitude Platinum Amex is excellent. I remember Choice (or somebody) rated them top in this category.

      Can you or somebody verify and update this info ?

      -cheers

      • neil on 15/09/2011 - 15:30

        It's a wiki page, so feel free to make any changes on the page. http://www.ozbargain.com.au/wiki/credit_card_rewards_compari…

        1 x $295 annual fee redemption = 196000-49200=146800 points
        3 x $250 Westfield voucher + 1 x $50 Westfield voucher = 146800-144225=2575 points left over

        Westfield vouchers can be converted to Coles/Myer cards at most Kmarts in Westfields.

        $800 profit 1st year, a little less the next year. As you stated, the variables are the places that don't take AMEX or charge a surcharge thus needing to use the VISA part of the card. I suspect I (or whoever) calculated that incorrectly or the rewards redemptions have changed. In any case, this looks like a great deal!

  • joannatan on 14/09/2011 - 21:55

    did anyone know if this card has 55 days interest free on purchases? i can't find it in the product features

  • shortgum on 14/09/2011 - 22:01
    +9

    No interest free period on this card. call up Bankwest and checked.

    • scotty on 14/09/2011 - 22:03
      +5

      Okay. Thanks. The usefulness of this offer to me now drops to ZERO…

      • joannatan on 14/09/2011 - 22:06
        -1

        yeah coz their rate is 10.99, so if rebate 5%, same as you paying 5.99% interest. and remember interest was calculate daily and your rebate only return once a month, which is the real interest will be over 5.99% if no 55 days free interest

        • ScaryZombie on 15/09/2011 - 00:25
          +2

          That's not necessarily true. That's 5% you earn instantly but are credited after one month. The 10.99% interest is per annum compound interest. If you pay off your bill each month, you would still be ahead.

          e.g. Grocery spend of $1000 in a month, means 5% cashback = $50. interest after 1 month would be ([(1+10.99%/365)^30]-1)*1000= $9.07. Therefore you are still better off $40.93.

          this is assuming a 30 day month, and that you receive your bill and pay off within 30 days of purchase. obviously purchases made at beginning of billing month would be more than 30 days of interest and purchases towards end of billing month would be less than 30 days, but for this example we'll stick with 30 days.

          so this deal is still good, you just have to make sure that you pay off your bills. otherwise you would fall into their trap. for those with the money, make the purchase using your credit card, then immediately pay off your credit card after each day, to ensure minimal interest accruing.

        • joannatan on 15/09/2011 - 01:54
          -4

          mate read carefully before you post your comment, we don't know yet about 55 days free interest. we are talking if no free interest then …..

          your assumption if there is 55 days free interest on this card. read all the comment first okay

        • ScaryZombie on 15/09/2011 - 02:22
          +1

          You're confusing me, where am I assuming that there is 55 days interest free. I just gave a calculation of what interest for 30 days would be. Obviously if you purchased something on the first day of the billing cycle, by the time you get the bill it would be more than 30 days, but there are also purchases you might make towards the end of the billing cycle, where the time from purchase to getting the bill is less than 30 days. So for this example i stuck with 30 days. The example im providing is in the instance if there is no 55 days interest free, which is opposite to what you're saying.

          edit: the point i am trying to make is you can't just say 10.99%-5%=5.99% real interest. this is because the 10.99% interest is per a year. the 5% cashback you get is instant. If you really wanted to use that simple subtraction then you must convert the 10.99%p.a. into a monthly interest, which means 0.916%-5%=-4.084% is more closer to what you are getting. That is you're actually profiting by 4.08% of the principal amount after 1 month. Obviously you would have to pay off the bill when the bill arrives, otherwise that profit would erode with cumulating interest.

        • joannatan on 15/09/2011 - 02:54

          i think this fella is a quick learner than you mate
          "fellator 33 min ago new
          Can anyone confirm if this card has any interest free days? Sort of pointless if you have to pay off the cc debt as soon as you spend it!"

        • ScaryZombie on 15/09/2011 - 03:16

          Once again, not necessarily. Based on the calculations, you would still profit, even if you wait 1 month to pay off the credit card bill. The calculation shows that you would make $40.93 off $1000 bill for 1 month. If you don't pay off your bill immediately, then it would erode.

          To calculate this you could say find Y if Y=number of days to fully erode your 5% cashback.
          ([(1+10.99%/365)^Y]-1)xprincipal =principalx5%cashback
          1.0003^Y=1.05
          Y=162.07 days =~5.32 months

          That means, you would have to leave your bill unpaid for 162 days before that 5% cashback is all gone due to bank interest charges. Obviously you would also have to make sure that your profit covers the credit card annual charge, depending one which card type you choose.

          p.s. i believe i am correct, until someone can clearly indicate why i am wrong, i will stay as stubborn as a mule. these financial products are designed to hook you into using it so much, that you end up spending more than you can pay off, then you end up paying interest and annual fees. once the first year expires, the interest rate skyrockets and the cashback ceases, and then people with a debt balance have their debt balloon astronomically if they don't transfer out. some people will get caught, and it is those people that the banks prey on. on the other hand, there are people which are able to afford to take advantage of this without any debt problems, it is these people that would benefit most.

          also i'm not 100% sure, but aren't balance transfers recorded on your credit history? if that is true, wouldn't a person that balance transfers too often have problems negotiating an optimal loan in the future?

        • joannatan on 15/09/2011 - 10:20
          -2

          lets me make it simple, we are not sure if there is 55 days free interest on this. if no free interest period on daily purchase on this card, once you make purchase, you paid interest on day 1 on this card. thats what we discuss in here.
          so current rate 10.99%, and if they give you rebate 5%, effectively, from day 1 you purchase something, you get charge interest directly.
          so if you paying interest 10.99% and get rebate only 5%, effectively you are paying 5.99% interest.

          again we are talking if this card has no free interest day on normal purchase.

          if you have different assumption, you shouldn't reply on this comment.

        • shiftyphil on 15/09/2011 - 12:15

          It's 10.99% per annum, not 10.99% immediately.

          Pay it off in a day, and you will only get charged 0.03%.
          Pay it off in a week, and you will only get charged 0.21%.
          Pay it off in a month, and you will only get charged 0.92%.

        • toomuchdogfur on 15/09/2011 - 12:25

          What shiftyphil and ScaryZombie said.

          If we use joannatan's logic of calculations (10.99% interest per day, which is what you're assuming when you mangle maths like that) then on a $100 charge you would be paying $2283.05 for that after one month!

          Doesn't sound right does it?

          [($100 x 1.1099)^30]

        • toomuchdogfur on 15/09/2011 - 12:41

          Actually, I think I know what is causing confusion here.

          joannatan, your calculation assumes that you incur your debts and then take one entire year to pay them off. If so then yes, your debts would result in an effective interest rate of 5.99% interest. For example if you incur $12,000 of debt and take a whole year to pay it off, you would get hit with interest of $1318.80 less the 5% rebate of $600. This results in effective interest of $718.80, in line with the 5.99% interest rate calculated there.

          However this would be fairly uncommon as (I hope) you would aim to pay debts off on at least a monthly basis. On the more realistic scenario of say, incurring $1,000 of debt per month and paying it off each month, you would be hit with ~$9.20 interest per month for a total of $110.40 interest each year. However you would earn a rebate of $50 per month, so at the end you would actually gain $489.60!

        • joannatan on 16/09/2011 - 01:10

          hi toomu, based on my experience working in the bank before, it is uncommon for my customer that able to clear up their balance every month. most of them their credit card balance getting bigger each month, then every 2-4 years they do balance transfer to their home loan. thats when i got a lot of sales from my customer for this balance transfer.

          but guys, based on comment from ozhunter below, my comment above is not relevant anymore.

          "ozhunter 11 hours 57 min ago new
          Hello just one quick question. Does The Breeze Mastercard come with 55 days interest free? Because when I compare it with other cards it says it does. But when I look under the overview or features tab, it doesn't mention anything about it.
          Esther: I can certainly help you with that.
          Esther: Yes the Breeze MasterCard does have a 55 day interest free period.

          That was my very quick online conversation through the msn-like chat feature on the bankwest's website."

      • ozhunter on 14/09/2011 - 22:28
        +1

        It might not be, http://www.bankwest.com.au/product-comparison?dropFilter=Or+…

        When you compare it against another bankwest card, it does say you get 55 days interest free.

    • joannatan on 14/09/2011 - 22:05

      are sure? the link that ozhunter posted said 55 days free interest http://www.creditcardfinder.com.au/bankwest-lite-mastercard.…
      but this link was posted back in 2008 and modified 13 sept 2011

      • cyssero on 14/09/2011 - 22:17

        Always best to confirm with the institution offering this card. It's not 100% clear but I didn't think it had an I.F. period.

        • danyool on 14/09/2011 - 23:37

          Hmm. yeah, not very clear on the bankwest website. It should be under the Features or Rates and Fees. If it did have interest free would make this pretty good. (and no cap on cash-back)
          If no interest free days, I gues you could transfer some funds across beforehand and use it like a 'debit' card for the discount.

    • ShortyX on 14/09/2011 - 22:21

      I have the Bankwest Zero credit card and it doesn't mention any interest free period but it has 55 days interest free.

      I remember asking a consultant a few months ago and they said that all Bankwest credit cards have 55 days interest free.

      Could it have changed? All the other credit card sites describing the Bankwest Breeze advise it does have interest free period.

      http://www.bestcreditcards.com.au/bankwest-lite-mastercard.h…
      http://www.creditcardcomparison.com.au/bankwest-credit-cards…
      http://www.whistleout.com.au/CreditCards/Providers/Bankwest/…

    • ozhunter on 14/09/2011 - 22:27
      +1

      How did you call them if they are closed? Did you just ring the 24/7 number and ask anyway?

  • shortgum on 14/09/2011 - 23:13
    +1

    keep in mind a $69 annual fee crap on top of daily interest.

    it is an lost face bankwest marketing campaign to the market.

  • shortgum on 14/09/2011 - 23:15

    I went to check with a consultant at a branch few days ago.

  • FOX on 14/09/2011 - 23:19
    -1

    I use a Virgin card, $90 annual fee >_<

  • coolsteps on 14/09/2011 - 23:29

    i wonder if existing BW customers can do a product transfer and get this card offer of 5% cash back or if it only for new BW credit card customers?

    • ozhunter on 14/09/2011 - 23:32

      It's for anyone, but if you already have a bankwest credit card, you obviously cannot balance transfer from you current card to this new one.

    • joannatan on 15/09/2011 - 01:55

      this is same as introductory offer on new online saving account.

  • fellator on 15/09/2011 - 02:20

    Can anyone confirm if this card has any interest free days? Sort of pointless if you have to pay off the cc debt as soon as you spend it!

    • ScaryZombie on 15/09/2011 - 03:29

      Yeah we would need clarification, as there are conflicting reports. Some parts of the website and other sources say yes there is. One person here rang up and was told no there isn't. If only there was a BankWest rep on ozbargain :P

  • shortgum on 15/09/2011 - 03:47
    -1

    TO ALL

    If u really got nothing to do in life it will work!!!

    eg. Spend $500 and get $25 off to pay $475. But you need to tactically smart to pay off that $500 via bank transfer or bpay before 4pm on that day. Once you just keep paying it off immediately everytime you spend on the card. It will work.

    But I really cant be bordered… u need to think about to breakeven of $69 annual fee first. haha!!

    • samehada on 15/09/2011 - 09:23

      if you have a few families to share this then it will be great.

      And one thing just crossed my mind, they said you will get cash back for utility bills right :)? so it means whatever I paid with my Lumoenergy bill will be considered bills including my LumoAdvantage gift card orders? ….wait a minute… then that will be 5% on top of 5% ;) and this combine with my 4c voucher for petrol….

      But how are we gonna find out the "MasterCard Merchant Category Codes" for LumoAdvantage payment? I guess we have to try it.

      • ozhunter on 15/09/2011 - 13:38

        Even though you use the gift cards to pay your bills, do you actually think that using the breeze card to buy a gift card is the same as paying a bill?

        • samehada on 16/09/2011 - 21:34

          If you do bother to read it carefully, it is not about what payment, it is all about the MCC code of the acquirer account. So if the payment was made for LumoAdvantage and their merchant account code is classified as utility then yes you will get the cashback.

  • hi5 on 15/09/2011 - 11:06
    +1

    interest free days on purchases
    Up to 55 Days

    (Compare Credit cards and check if the link is not working)

    http://www.bankwest.com.au/product-comparison?dropFilter=Or+…

  • ozhunter on 15/09/2011 - 13:05
    +3

    Hello just one quick question. Does The Breeze Mastercard come with 55 days interest free? Because when I compare it with other cards it says it does. But when I look under the overview or features tab, it doesn't mention anything about it.
    Esther: I can certainly help you with that.
    Esther: Yes the Breeze MasterCard does have a 55 day interest free period.

    That was my very quick online conversation through the msn-like chat feature on the bankwest's website.

  • giles on 16/09/2011 - 12:38

    And if you need another directly linked quote:

    "All Bankwest MasterCards entitle you to 55 interest free days on new purchases"

    http://www.bankwest.com.au/personal/credit-cards/choosing-th…

  • TheG1000 on 16/09/2011 - 18:45
    +3

    I went into a branch and was approved for this card this afternoon, it definitely has a 55 day interest free period. It's a brilliant idea; if Dan Murphys, Big W, Target or any other Woolies/Myer group stores don't count then I can just buy the giftcard at a supermarket before buying from the department/grog store. Might see how I'd go with mobile phone credit too. I don't need to order the giftcards online to save 5% (what I've had to do previously) no postage and no risk of it not showing up. I expect to be quite happy, I'll make about $20 of the annual fee back just with my current power bill.

  • ShortyX on 27/09/2011 - 11:56

    I applied and got approved. Just need to remember to use it now for groceries and fuel for 12 months.

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