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NAB Qantas Rewards Premium Card - 40K Bonus Frequent Flyer Points + $0 Annual Fee First Year

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NAB Qantas Rewards Premium Card - 40K Bonus Frequent Flyer Points + $0 Annual Fee First Year
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shiba on 20/01/2015 - 22:33 qantas.com.au (9116 clicks)
Last edited 21/01/2015 - 11:20 by 2 other users

Similar to the previous ANZ offer but with slightly less points.

Earn 40,000 bonus Qantas Points and $0 annual fee± for the first year with NAB Qantas Rewards Card, when you apply by 19 April 2015 are approved and make an eligible purchase within 90 days^. Minimum credit limit: $6,000. Approval is subject to NAB's credit assessment criteria.

Annual fee after first year is $250.

*To be eligible for the bonus Qantas Points offer, you must apply online for a new NAB Qantas Rewards Premium Card by 19 April 2015, be approved and make an eligible purchase within 90 days of opening your account. Qantas Points will be credited to the qualifying member account within 2 months of the eligible purchase. The bonus Qantas Points offer is available online only, is not available in conjunction with any other offer or to NAB credit card customers transferring from another NAB credit card, or to NAB staff under Employees Choice.

±After the first year, an annual card fee of $250 will apply for the NAB Qantas Rewards Premium card.

^To earn Qantas Points using your NAB Qantas Rewards Card or NAB Qantas Rewards Premium Card, you must be a member of the Qantas Frequent Flyer program and have provided your valid membership number to NAB. Qantas Points accrue in accordance with and subject to the NAB Qantas Credit Card Account Reward Terms and Conditions available at nab.com.au. Qantas Points are capped at $100,000 spend per statement period. Points are earned on eligible purchases only. Eligible purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. If you are not already a Qantas Frequent Flyer member, NAB has arranged for the joining fee to be waived if you apply and receive a NAB Qantas Rewards Card or NAB Qantas Rewards Premium Card and join through qantas.com.au/joinffnab. Membership and the earning and redemption of Qantas Points is subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com/terms.

NAB does not publish minimum criteria. However, normally Platinum credit cards require:

  • Be at least 18 years
  • Have a good credit rating
  • Australian citizen/permanent resident
  • Annual income must be $50,000(ANZ)/$60,000(HSBC) or more
Financial Credit Card

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closed Comments

  • [Deactivated] on 20/01/2015 - 22:42
    +1

    up to

    Ugh. Now I gotta read stuff.

    Okay, I read the page. I can't figure out why they used "up to". Can someone else figure it out?

    • shiba on 20/01/2015 - 22:47

      I think it could be due to the requirement of making an eligible purchase within 90 days

    • Innately Incognito on 20/01/2015 - 23:04

      Only thing I can see is that it might be leftover wording if they had previously advertised two different cards using the same template (Rewards for 20k; Rewards Platinum for 40k)

  • Gavman on 20/01/2015 - 22:46
    +2

    Whats the aprrox. $$ value of 40,000 Qantas points?

    • [Deactivated] on 20/01/2015 - 22:55
      +1

      On gift cards $267. Flights depends, not sure.

    • slix_88 on 21/01/2015 - 00:39

      You'd be crazy to spend it on gift cards…

      Check here for a recent offer held by the Qantas store: Link

      I value it as 1.25c per point or $500. QFF points are best spent on upgrades to business class, where each point could be valued at 3c-6c.

      • [Deactivated] on 21/01/2015 - 01:38
        +10

        what the points are best spent on depends on each person. Not everyone wants an upgrade to business class. To get an upgrade how much to get the initial flight?

        • NotAMoodle on 21/01/2015 - 07:44
          +1

          You don't need an initial flight for a Classic Award. You just book through the Qantas award system as a straight out business award. Great value in most cases if you wanted to fly business, not good value at all for the economy award. I would not spend my Qantas points any other way, just not enough value.

        • DingoBilly on 21/01/2015 - 07:59
          +3

          Yeah, I never got the whole Ozbargainer way to spend all your points on business upgrades. Seems like such a waste when you already have the flight, and to me the business class is not really worth the upgrade. I'd pay maybe $50 for it, but I don't think it's worth much more then that myself.

        • NotAMoodle on 21/01/2015 - 08:09
          +6

          @PhilipJWitow:

          You've never flown International business then?

        • tagin on 21/01/2015 - 09:07

          @dazzywazzy: Is it better value to buy an economy ticket and upgrade with points or to just buy the entire business seat using points?

        • [Deactivated] on 21/01/2015 - 12:22
          +2

          @dazzywazzy: I've flown business class on a couple of long haul flights. It was nice, certainly preferable to economy. But while being comfortable for 14 hours is nice, it's not worth $1k to me.

          But I'm in decent shape and 5'8". Economy isn't comfortable but I can usually sleep. I imagine the value increases as the size of the person increases.

        • NotAMoodle on 21/01/2015 - 15:36

          @gatin:

          If you already have the economy ticket then yes, but if you are planning a new trip, I would normally just choose business straight out.

          Remember also there are restrictions upgrading from certain economy classes, EG if you purchase a red hot sale fare, it's unlikely it can be upgraded.

          The other issue with upgrading with points from a lesser ticket, is they normally wait list you until 24 hours before the flight just in case other people purchase a business ticket with real money. This isn't the case when using all your points for a business award.

        • NotAMoodle on 21/01/2015 - 15:42
          +1

          @tantryl:

          Well, a 14 hour flight in long haul business is roughly $3k - $7k more than economy mate. Not $1k.

          If you would seriously rather redeem your essentially free Qantas points for a $250 gift card, then you sir, are better with your money than me. I would rather drink that $250 for free in the Qantas Club before boarding my 14 hour long haul flight in Business. This of course might present other issues :-)

        • [Deactivated] on 21/01/2015 - 16:27

          @dazzywazzy: I must have gotten a solid special then. I do only buy flights on special though, business or economy.

        • Baghern on 21/01/2015 - 16:30
          +1

          @dazzywazzy:

          I've looked at those "business" tickets using points, its no real different to getting giftcards

          Gift card was
          $250 - 37400points = $0.0067 per point

          Business flight to Singapore
          $1,514 - 184500 points = $0.0082 per point
          I dont believe this takes into account tax

          Economy Flight to Singapore
          $512 - 62000 points = $0.0083 per point.

          Im under the assumption that upgrades are Fixed points based on distance. Thats why they have so much value.

          ie
          Upgrade to Singapore would be 50,000 points.
          Based on the above 2
          50,000upgrade points - $1,002 = $0.02 per point

          But as others has stated getting the actual upgrade is quite a lucky dip.

          Which is why I don't chase QFF just take it where its free or easy

        • [Deactivated] on 21/01/2015 - 16:48
          +1

          @dazzywazzy: My great business class bargain aside, considering how I don't think it's good value at $1k, I definitely don't find it good value at $3-7k.

        • DingoBilly on 21/01/2015 - 16:53

          @gatin:

          Flown international business, being honest I preferred economy as I was travelling with my girlfriend and found the privacy sides a bit annoying/not as good as economy in that you have to lean around hard just to see the other person.

          Flown economy international, had heaps of fun/no stress as always… Really think it's a giant waste of money/people hype it up way more than they should. Or maybe I'm just a bit easier going/a true Ozbargainer..

        • NotAMoodle on 21/01/2015 - 17:00

          @Baghern:

          I have to head out but shall check this math out tonight and get back to you :)

        • dynamike on 21/01/2015 - 19:06
          -1

          @PhilipJWitow:

          Once you're married you'll appreciate the privacy…

        • Baghern on 21/01/2015 - 19:09
          +2

          @dazzywazzy:

          The fact that you pay a premium just for flying qantas reduces the upgrade return as well.

          As far as I'm concern QFF should only be seen as a bonus not something you chase.

          I have points from the ANZ cc. Will be using the upgrade on a flight that would be on what I hope is a non busy period to increase my chances of an upgrade. Otherwise not going to risk paying extra for a Qantas flight if the flight I'm going on I know is busy

        • slix_88 on 22/01/2015 - 02:01
          +6

          @Baghern:

          I am seriously questioning the credibility of your quoted figures. Firstly, business class upgrades on long haul international flights are where you will get the most bang for your buck (or points in this case). The benefit of buying a ticket with points is marginal over say redeeming your points for a gift card. The summary I have provided below should give you a good indication of how QFF is better valued on upgrades than anything else. All information has been sourced literally as at an hour ago from the Qantas site. This table summarises how many QFF points you need to upgrade to business class by "one-way miles".

          For the flights I've listed below, I queried a one-way flight to the destination due for departure on the 13th of Feb and sourced the most common and average price for each travel class for consistency.

          Gift Card Redemption

          $500 Woolworth voucher = 74,700 QFF points ($0.0067 per point)

          Flight purchases (single way)

          Singapore:
          $600 Economy ticket = 30,000 QFF points + $276 in taxes ($0.0108 per point)

          Los Angeles:
          $1,050 Economy ticket = 48,000 QFF points + $500 in taxes ($0.0115 per point)

          Economy to Business upgrade

          Singapore: (Zone 5 upgrade - 3908 miles)
          $2,500 Business ticket ($1,900 more than economy) = 40,000 QFF points to upgrade ($0.0475 per point)

          Los Angeles: (Zone 8 upgrade - 7491 miles)
          $8,000 Business ticket ($6,950 more than economy) = 70,000 QFF points to upgrade ($0.0965 per point)
          NB: Yes, I was surprised that the flight cost is $8k! Assuming it's $5k, it would still equate to $0.0549 per point!

          TL;DR: Business class upgrade = worth about 10x gift card redemption
          I hope this answers a lot of questions

        • NotAMoodle on 22/01/2015 - 02:07

          @Baghern:

          Now that I'm back in front of a computer and had a look, I've got a feeling you're not using the Qantas site properly, you may be using the "Points plus Pay" option when you should be selecting Classic Award flight or Award Flight.

          Qantas Business from Sydney to Singapore is 65000 & roughly $400 in surcharges - which as you can see is great value (if you enjoy flying in Business class of course)

          There is a good read here - http://www.ausbt.com.au/what-is-a-qantas-frequent-flyer-poin…

        • Baghern on 22/01/2015 - 08:46

          @slix_88:

          I'm using actual flights not a estiamte by Qantas.

          Notice the numbers aren't rounded.

        • Innately Incognito on 23/01/2015 - 00:34
          +1

          @slix_88:
          I'm often comparing things like this but you have to note a couple of things:
          1. Often people won't fly Qantas if not for the points (i.e. you can economy via Jetstar cheaper)
          2. You gain points when buying a ticket so these should ideally be factored back in.

          Your ultra-best bet is probably doing a OneWorld Explorer in First/Business. Although I'm not sure if you'll actually get every flight on First?

        • [Deactivated] on 28/01/2015 - 18:54
          +1

          @slix_88:

          Sorry, no. They're not worth $0.0965 per point with the upgrade. My understanding is you have to apply for the upgrade after buying the already expensive non-sale economy flight. Who in their right mind would pay $2000 to fly return to LA with the HOPE they will get the upgrade when they could have flown for $1000 to start with. Unless you have Gold membership or higher you would be stupid to buy economy expecting an upgrade. Correct me if i'm wrong.

        • slix_88 on 29/01/2015 - 00:22

          @saard:

          Correct. But at redemption, they are worth $0.0965 per point. I would personally try for an upgrade every time I fly; if it's not today, try again on your next holiday.

          Alternatively, you could "buy" a gold membership. To my knowledge, the firm I work for has a corporate agreement where employees could pay $700 a year for a gold membership.

        • NotAMoodle on 29/01/2015 - 07:12
          +2

          @slix_88:

          You can buy "Qantas Club". You can't buy Gold status, the two are completely different. Gold can only be earner via flying the amount of miles needed.

        • PotPlant on 19/02/2015 - 22:44
          +1

          @dazzywazzy: I agree with you wholeheartedly. Just for the record.

  • GrTea on 20/01/2015 - 22:47

    I didn't see a minimum spend to get the points. The T&C only state " make an eligible purchase within 90 days of opening your account."

    Anyone else read differently?

    • kronos319 on 22/01/2015 - 11:57
      +1

      If they do not state a minimum spend then there is none, you could spend 1 cent and it would be eligible. Just has to be "eligible" in accordance with the cards T&C's which usually means balance transfers, cash advances, money transfers etc are not counted as "eligible".

  • dny on 20/01/2015 - 22:48

    Is this for new customers only?

    If I signed up for the 20k offer can I still sign up for this and get the 40k?

  • PLANT on 20/01/2015 - 22:51

    " make an eligible purchase" How much and to whom?

    • jcrew on 20/01/2015 - 22:57
      +5

      I have their standard Qantas card which came with 20,000 points. I bought a coffee and nothing else and had my bonus points within a month :)

      • varunynr on 20/01/2015 - 23:43

        Me too, not sure if we are eligible to get another 40k on the new card, though I dont read anything specific in fine print saying that current NAB holders are excluded or likewise.

  • lplau on 20/01/2015 - 22:52

    Whats the difference between this card and the ANZ Black card?
    Thinking of applying for it in March then using it for 1 yr.

    My free 1 year of ANZ Black ends in June or so….

    • ilikeradiohead on 20/01/2015 - 23:05

      I think you get more points/$ with the ANZ. The main reason you'd get this is for the free points. Although if you're trying to avoid any fees this might be a good stop gap until ANZ do another free offer?

      • Innately Incognito on 20/01/2015 - 23:08
        +1

        Primary reason free points. Secondary reason to grab all those AMEX statement credit offers :D

        • sween64 on 21/01/2015 - 09:29

          Is his an AMEX?

    • muncan on 20/01/2015 - 23:06

      This card has $0 Annual Fee First Year. Giddy up!

    • Innately Incognito on 20/01/2015 - 23:07

      Just at a glance I believe the ANZ Black comes with 2x QF Lounge Passes while the NAB Platinum doesn't. I'm guessing there's more differences but that's the one I noticed immediately =]

      • lplau on 21/01/2015 - 09:17

        Yup, thats what i noticed. Not going to pay for an extra year just because of that.
        The ANZ Black Amex gives 1.5pt the same as this one.
        I only use the Amex on my Anz black, the visa i use a citibank one which gives 1 to 1.

        • Innately Incognito on 21/01/2015 - 10:07

          I'm the same. Although I roll with the Citibusiness Gold which gives 1.25:1 (or 1.4375 with QF transfer bonus) on Visa transactions :)

        • PotPlant on 23/01/2015 - 12:46

          @Yoz:

          Hey fellow Citi Gold Friend…..I see you managed to hang on to your card too! Came close to losing it, had to beg Citi to be able to hang onto it! Still the best card hey, for a Visa.

        • Innately Incognito on 23/01/2015 - 14:17
          +1

          @nortyjak:

          Haha. When did you have to beg them to let you hold onto the CBG?

          I did the opposite. Called up and requested my fees be waived and succeeded =P

        • PotPlant on 23/01/2015 - 14:37

          @Yoz:
          Wow, I have had that card for almost 15 years I think, but they still tried to take it off me and switch me to another card, which was not nearly as good. I had to beg to let me keep it, must have been about 2 years ago.

          Not many Visa's that give you 1.25points (QFF) per dollar and no annual fee hey!

        • Innately Incognito on 23/01/2015 - 14:57
          +1

          @nortyjak:
          Yeah. If you warehouse the points on your Citibank you can usually get a 15% transfer bonus with a promo that Qantas runs 1-2 times a year too.

    • [Deactivated] on 20/01/2015 - 23:23
      +1

      The current ANZ 50K bonus points promo requires you to pay the annual fee while NAB don't.

  • Webbo on 20/01/2015 - 23:11
    +2

    What's the minimum income required?

  • INFIDEL on 20/01/2015 - 23:11

    What's the minimum income level for these cards? Searched but did not see that detail.
    Ah, a common question ;-)

    • jackofspade on 21/01/2015 - 00:49
      +2

      $65K

      • INFIDEL on 21/01/2015 - 08:45
        +2

        Thanks jackofspade.
        Damn my low work, high holiday lifestyle. Don't think I'll ever qualify for an Amex card again :-(

        • DealzEddy123 on 21/01/2015 - 10:50
          +1

          dont worry… a high holiday lifestyle is defs better than qualifying for a lame AMEX :)

        • INFIDEL on 21/01/2015 - 10:57
          +1

          @edwinlin88:
          Sob, but I want more, with no fees, and lots of free points, and… ;-)

  • [Deactivated] on 20/01/2015 - 23:21

    Its saying 65 dollars annual fee when i go to sign up?

  • 7seven7 on 20/01/2015 - 23:21

    I love these offers, have done two 40,000 and a 50,000 bonus points offer over the last 3 years. Just need to flip each year and no annual fees for a premium card :)

  • spuderump on 20/01/2015 - 23:31
    +10

    Bye bye credit rating

    • Gavman on 20/01/2015 - 23:32

      DOes your credit rating get rooted if you keep signing up to new cards with point bonuses?

      • Bargain4U on 20/01/2015 - 23:36
        +2

        Yes.

        • Gorodemon on 21/01/2015 - 08:58
          +2

          I've had about 8 credit cards in the last 3 years as I'm chasing up the QFF points. I refinanced my home with Ubank last year and during the application process they inquired why I had so many credit application.

          I explained to them that I got the credit cards just for the bonus points - "would it be a problem?" I asked. Ubank said it's fine and it won't be a problem because I've always been able to make on time repayments. In the end, I got a home loan with them for around $ 400k. At that time, I still had 1x NAB $9000, 1x ANZ $7000, 1x Westpac $4400 and 1x AmexCPA $3000.

          TLDR; it should be fine as long as you can service the debts.

        • OzBrogains on 21/01/2015 - 09:44

          @Gorodemon: I think this should be the case. It's hard to imagine a bank refusing you a loan application without getting in touch with you first to ask about your credit history. When they do, I don't see how you'd be declined if you truthfully tell them the applications were just for bonus points (i.e not a reflection of your credit risk).

      • lolmao on 21/01/2015 - 00:06
        +4

        I can confirm it does screw your score. I should have a good rating, however I applied for around 10 cards over the last few years (for the points of course). Now my score is below average which means "it's MORE LIKELY that you will incur an adverse event such as a default, bankruptcy or court judgment in the next 12 months." BS!!

        • Squiglymo on 21/01/2015 - 01:09
          +1

          load of shiet hey.

        • Sidor on 21/01/2015 - 07:39
          +1

          It would be interesting to know if limit increase on the existing credit card offered by the bank pretty much on regular basis (at least twice a year for me) also does affect the credit rating or not ?

        • z00m on 21/01/2015 - 08:51

          @Sidor: I think it does affect your rating in that a certain percentage (I'm not sure what it is) of your total credit limit across your cards is considered a liability if you apply for say, a home loan.

        • hayne on 21/01/2015 - 09:56

          @z00m: It also affects your rating because multiple applications for credit over a defined period are viewed as indicators that you're more likely in financial distress.

          The system seems to be changing now, though, so that positive events (e.g. paying bills on time) are captured and part of the evaluation - I think we're evolving towards the US system. Veda (credit rating agency) is starting to capture this information, I think. Citibank is now offering loan products where you get a discounted rate if you have a stronger credit rating. I'm going off the top of my head and someone with better knowledge of the industry than me can probably elaborate, but that's my understanding.

        • lolmao on 21/01/2015 - 13:25

          @Sidor: As far as I know, the credit card provider only does an enquiry on your credit file when you apply for the card, not each time they increase your limit. Also your credit file can show the credit amount when you applied for a card, but does not show the current credit limit. So i don't think credit limit increases directly affects your score (though a new provider might deny you for a credit card or loan if your combined credit limits are too high)

      • myprice on 21/01/2015 - 08:47
        +1

        I looked into this once and I think it's based on how many times companies ask for a credit rating score on your behalf when you apply for credit or a loan. I think if you go over 4-5 in a 2 year period is starts to negatively affect your credit rating. So don't change CC's too frequently especially if you just got a loan for a car and then bought a new house.

        • lplau on 21/01/2015 - 10:48

          Credit scores also mean nothing much if you plan to get loans with a bank that you already bank with closely.

          When i applied for 2 addition mortgages which has a pretty high figure, they didn't care about my 10 credit cards that I have previously applied for.

          I remember with mortgages and loans they always ask for stuff like:
          1. How much do you owe the other credit cards?
          2. How often do you pay it all out?

          In the end they just take the maximum amount of money they could lend you, then subtract out all the credit cards you have active, which means in the end you get less of a loan. This decreases their risk.

          If I wanted to switch banks with my mortgage or get a new mortgage with another bank, they wanted so much information that I just couldn't be bothered providing.

  • suicine94 on 20/01/2015 - 23:35

    so do I need a Qantas club membership? or does the NAB credit card that I'm getting will be holding the 40k points? also do I use the points from loging into the credit card?

  • shaz0316 on 20/01/2015 - 23:36

    Is there any downside to getting these cards (I.e. no annual fee for first year) and then canceling it after a year? What I mean is, is there a problem if you keep doing it?

    • Bargain4U on 20/01/2015 - 23:37
      +3

      Yes, low credit rating meaning you are more likely to be declined in the future.

      Katherine Craig from credit reporting agency Veda says just this.

      “Credit reports don’t show the type of credit, whether it was actually granted or taken up, what its current credit limit is or if it is now closed. Too many applications for credit can impact a lender’s view – it may appear to them that you have a lot more active credit commitments than you actually do.”

      • bonky on 20/01/2015 - 23:51
        +7

        there needs to be a hobby section on Veda….. called Ozbargain

      • Foma2 on 20/01/2015 - 23:59

        I heard that a new system which is in place or will be in the near future should check not only how many credit acounts you opened but how many of them have been closed without outstanding debts.

      • meowmeowmeow on 21/01/2015 - 09:14
        +1

        Any idea how long it takes for a credit rating to "recover" as such? I'm listed as below average also, but i have a mortgage and credit cards that i have never missed a payment on, and i always pay off my credit cards before the due date so don't even pay interest on them. I want to apply for this card but at the same time would also like to give my credit score a chance to recover, and i've already had two ANZ cards and the 20K point NAB card in the past 12 months…

        • Foma2 on 21/01/2015 - 10:46

          I do not know but judging how fast/slow things happening I would say it may easily take 3 or 4 years.

    • easternculture on 20/01/2015 - 23:57
      +3

      Have you heard of the new ozbargain rule for credit card appliations

      Apply Now, Worry Later

  • Squiglymo on 20/01/2015 - 23:44

    Hmmmmm, As an existing NAB Credit Card holder, do i qualify?
    Also, I read somewhere in the google that there is a number of credit card applications that a credit score (veda) see as "normal" or "average" and hence "shouldn"t affect you too much. All wizardy I believe. @Bargain4U U sure that there is no impact on the limit that that the card has versus potential lending capability if you were to take a home loan for example?

    • Bargain4U on 20/01/2015 - 23:50
      +2

      Nobody outside the banks know what the credit assessment criteria is, its top secret. Otherwise, if they told people they'd just change their application to be approved. But you should know that banks can see all your previous credit enquiries (applications) in your credit file.

  • watwatwat on 21/01/2015 - 00:26

    Wonder if they check with the listed employer to confirm employment.

  • jeppetto367 on 21/01/2015 - 01:22

    I have the standard NAB Qantas cards with a $8k credit limit. Does anyone know if I could apply for this and still get the 40k points and no annual fee? I realize I can't transfer my current cards to this, but would starting a new application be fine?

  • brongz on 21/01/2015 - 01:33
    +1

    Qantas site mentioned up to 40K points, while NAB site only 20K.

  • teehee on 21/01/2015 - 04:23

    Qantas link not working.

    I applied for the NAB Card about 2 weeks ago for the 20, 000 points. Any chance I can get this offer?

  • brongz on 21/01/2015 - 05:17
    +5

    use this link instead for 40k points
    http://www.nab.com.au/personal/campaigns/credit-card-affilia…

  • massari on 21/01/2015 - 06:08

    Sigh…to many credit cards!! I will try my luck with this one to…

    • damoo on 21/01/2015 - 07:39
      +31

      Once is a typo… twice is illiterate.
      TOO

  • CyberMurning on 21/01/2015 - 07:29
    +1

    Hmm I have no intention to use Qantas points to fly, just change it to gift card $250 sounds good enough.
    Might try.

  • Gooddeal21 on 21/01/2015 - 08:19

    Can't seem to find a minimum amount to be spent, though when clicking "learn more" it goes to the other nab page and it's only 20 000.

  • asa79 on 21/01/2015 - 08:33
    -4

    $250 annual is pretty high

  • PLANT on 21/01/2015 - 08:50

    So $250 annual fee waived
    Then on application says under annual fee "$65" but waived annual fee for first year in conditions…….
    So is that $250 waived and the $65 waived aswell?

    What are your thoughts?

    • easternculture on 21/01/2015 - 09:04

      $65 might be the QFF membership fee or they might be charging $65 to enrol in the rewards program

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