July 2026

If you have an ABN, there's a second lane of signup bonuses running parallel to the personal cards everyone tracks — business credit cards. The bonuses are often just as big, sometimes bigger, and depending on the bank they can sit on a separate waiting-period clock from your per...

"Which Amex earns Qantas points?" is a question I get a lot, and the answer is narrower than most people expect. American Express sells a wall of cards in Australia, but only a handful of them can actually land points in your Qantas Frequent Flyer account — and one of them isn't ...

The annual fee is the single biggest cost in the churning cycle . So it's worth understanding the two ways people try to avoid it: the discounted-first-year offers banks advertise up front, and the "retention call" where you ring the bank at renewal time and ask for the fee to be...

Points forums love a timing theory. "Banks juice their bonuses in January." "Wait for EOFY." "The best offers come out before Christmas." US blogs say the same thing about their market — Q4 is peak season, spring is second best. I'm in a position to actually check, at least for A...

Search a Sydney–Melbourne flight on qantas.com with points and you might be quoted 9,200 points. Search the same route on a different day and you might be quoted five or ten times that — for the same seat, in the same cabin. Nothing is broken. Qantas has three different ways of t...

If you churn credit cards, the waiting period is the rule that decides everything. Get it wrong and you apply, get approved, hit the minimum spend — and receive zero bonus points, because the fine print excluded you before you started. I maintain a verified, per-issuer list of th...

Every time I write about churning , the first question is some version of: "but won't all those applications wreck my credit score?" Short answer: each application leaves a mark, the mark is real, and it's smaller and shorter-lived than most people fear. The longer answer is wort...

Qantas points are easy — a single credit card sign-up bonus can be worth 100,000 of them. Status credits are the hard currency. There's no card that hands you Gold, and the balance resets every membership year. I've already written about how status credits and membership years wo...

In my churning guide I covered the whole cycle: find the offer, hit the spend, collect the bonus, cancel, wait, repeat. The step people ask me about most is the one I glossed over — the cancel. Done carelessly, it's also the step where you can lose the entire bonus. This is the e...

People ask me this a lot, usually after they find out I churn credit cards: "wait, how many cards are you even allowed to have?" Short answer: there is no legal limit on how many credit cards you can hold in Australia. No law, no regulator cap, no magic number. But in practice yo...

Every comparison site tells you what the current signup bonuses are. Nobody tells you how often those bonuses change — because nobody else has been logging every change for years. I have. This site has tracked Australian credit card offers since November 2021, first as a manual c...

Qantas has two ways of recognising members. Frequent Flyer tiers (Silver, Gold, Platinum) reward flying. Points Club rewards earning points on the ground — which for most people means credit card spend. If you collect points mainly through cards rather than flights, Points Club i...

Qantas Points don't have a fixed expiry date, but they absolutely can expire — and once they do, they're gone. The rule is simple on the surface and has a couple of traps underneath, the biggest one being that family transfers don't count as activity. If you churn credit cards fo...

I've been tracking every Qantas credit card offer on this site since November 2021. Every bonus increase, every cut, every fee change gets logged — first as a hand-written changelog, and since mid-2024 as a full version history of every offer in the database. That's what powers t...

I published a companion piece today on what every bank's waiting period actually is — the verified numbers and the fine-print traps. This post is the other half: once you know the rules, how does the order of applications change what's possible? The short answer: waiting periods ...

Amex Membership Rewards is the flexible-points currency behind the Amex cards I track, and Singapore Airlines KrisFlyer is arguably the best place to send points if a premium-cabin Singapore Airlines flight is the goal. But the transfer has a quirk most guides skip: there are two...

Amex Membership Rewards (MR) is the biggest flexible-points balance most Australian churners are sitting on, and Velocity is the single best mainstream place to send it. The rate is clean, the transfer is straightforward, and — unlike a long list of Amex's other airline partners ...

After I wrote up transferring Velocity points to KrisFlyer , the obvious follow-up question came in: "what about Qantas? I've got a pile of Westpac Altitude / NAB Rewards / ANZ Rewards points — how do I move them across?" The honest answer, straight from the transfer rates I trac...

This is the mirror of my post on transferring bank points to Qantas , and the story flips completely. For Qantas, the answer was "mostly you can't" — one Amex path and that's it. For Velocity, the answer is: almost every flexible bank program in my data has a Velocity button. Vel...

Everything about churning doubles when there are two adults in the household. Two credit files, two sets of waiting-period clocks, two shots at every signup bonus — and, where an issuer runs a referral program, a bonus for the person who isn't applying. Points people call this tw...

A question I see constantly: "How do I transfer my Qantas Points to Emirates?" or "Can I move Qantas Points into Cathay's Asia Miles?" You can't. Qantas Points don't transfer to any other airline program. But that doesn't mean your points are stuck on Qantas metal — you can redee...

Velocity points expire. Most people know the headline rule — 24 months of inactivity and they're gone — but almost nobody knows the fine print: not all activity counts equally, and the activities families use most (pooling and family transfers) barely count at all. If your househ...

I've now written a stack of posts about individual transfer paths — Amex to Velocity, bank points to Qantas, Velocity to KrisFlyer. This is the post that ties them together: every bank reward program I track, and where its points can actually go. The rates below come from my tran...