Hi OzBargain I need some advice.
I’m currently churning two credit cards (NAB and Westpac) to earn Qantas points. After meeting the minimum spend requirement of $3,000 within 2 months on my NAB card, I stopped using it and patiently waited for the bonus Qantas points to arrive. However, even after the third statement, I still haven’t received my NAB bonus Qantas points.
I double-checked to ensure I had spent over $3,000 to meet the criteria. Unfortunately, I just realized that my total spending of ~$3,200 in the first 60 days included the card’s annual fee of $320. If the annual fee doesn’t count toward the spending requirement, my eligible spend falls short, and I’m now past the 60-day period.
I plan to call NAB tomorrow, but I’d like to know if it’s possible to request the bonus points under these circumstances. If not, I’ll ask for a pro-rated refund of the annual fee, as I’d prefer not to keep the card without receiving the bonus points. Of course, my preference is to secure the bonus points if I can. Any info is appreciated
Thanks for letting us know.
As clearly stated in the terms of the offer, the annual fee is not “eligible spend” therefore this is your fault not NAB’s. Next time read the terms clearly.