Padmanwong » user profile

Member Since 02/10/2019
Last Seen 27/10/2021
Location Melbourne

Recent Activities

Padmanwong replied to Adrian Player on Home Loan Refinance Deal - $500-$1,000 Extra Broker Cashback on Top of Any $2,000-$4,000 Lender Offer @ Integral Loan Solutions
Just to clarify from your perspective - refinancing 3 times inside 2 years will potentially cause issues, but doing it once every 3-4 years…
18/09/2021 - 07:41
Padmanwong replied to timhn on ANZ Frequent Flyer Platinum Visa Bonus 60K Qantas Points (Spend $2,500 in 3 Months) ($0 Annual Fee for 1st Year, $295 after)
Definitely possible. Again, just in my experience, most cards will include something like the following in the T&Cs: "Eligible Transaction…
16/06/2020 - 13:08
Padmanwong replied to corky on Earn 2000 flybuys Points (Worth $10) When You Purchase $100 Vanilla Visa Gift Card ($5.95 Activation Fee) @ Coles
Additional minor gain - you can earn cc points on spend that normally would be excluded from earning points (ie rates & water bills in my…
09/06/2020 - 10:26
Padmanwong replied to bargainhunter12345 on ANZ Frequent Flyer Platinum Visa Bonus 60K Qantas Points (Spend $2,500 in 3 Months) ($0 Annual Fee for 1st Year, $295 after)
Unlikely. Same as my comment above - need to check T&Cs but I would think VicRoads is considered government payment and wouldn't count. I…
08/06/2020 - 10:11
Padmanwong replied to DoUKnowTheMuffinMan on ANZ Frequent Flyer Platinum Visa Bonus 60K Qantas Points (Spend $2,500 in 3 Months) ($0 Annual Fee for 1st Year, $295 after)
Need to check T&Cs. Different banks have different rules, but my experience is that electricity and gas bills normally count, but water and…
08/06/2020 - 10:02
Padmanwong replied to MitchyD1989 on ANZ Frequent Flyer Platinum Visa Bonus 60K Qantas Points (Spend $2,500 in 3 Months) ($0 Annual Fee for 1st Year, $295 after)
Valuing Qantas points @ 1.9c is only if you're using it for flights, and even then you only usually get that value if you're upgrading to…
08/06/2020 - 09:59
Padmanwong replied to diazepam on Free 40g Kind Bar Varieties @ 7-Eleven via Fuel App
Too late, they hide them before the promo hits the app. In my experience, there were about 6-8 straight "free offers" I received last year…
06/05/2020 - 09:56
Padmanwong replied to Neoika on 2000 Flybuys Points (Worth $10) with $100 Vanilla Visa Gift Card (Activation Fee $5.95) @ Coles in-Store
Yup. I usually use them on my water bills, since they're easy to split up.
06/03/2020 - 15:59
Padmanwong replied to JacobHarvey on American Express Qantas Ultimate 120K QFF Points ($450 Annual Fee with $450 Qantas Travel Credit; $4.5k Spend in 3 Months)
Not entirely true. The two Amex cards which are considered completely separate (to my current knowledge) are: 1. DJ Amex. Refer to…
16/10/2019 - 09:04
Padmanwong replied to Smigit on Monopoly Wooden Rustic Series - $16 Delivered (Was $79.99) @ Australian Geographic
Agree. Also, we've decided we don't want to teach undesirable values to our kids. I read that the original creator of Monopoly was trying…
03/10/2019 - 09:40
Padmanwong replied to stockastics on UBank Home Loans from 2.84% (Redraw Only, No Offset, No Application or Ongoing Fees)
No difference if owner occupied and planning to live forever in your current home. Interest paid will be the same using either redraw or…
02/10/2019 - 10:10
Padmanwong joined OzBargain.
Welcome aboard!
02/10/2019 - 10:02