What Is The Optimum OzBargain Credit Card Line up?

Justinism on 01/12/2017 - 23:00
Last edited 02/12/2017 - 03:00 by 1 other user

So…. Westpac has decided to take away their Amex offering next April.

I like the Amex for its 3X reward points and for the Shop small and Amex connect deals so i find it essential to my Wallet arsenal.

Other than the Amex, I have:
A standard rewards CC with an annual fee and complimentary travel insurance
A "28Deg MC" for spending on trips and the odd foreign currency purchase online.
A "Coles no annual rate MC" for the big electronic purchases that i wish to collect back the "early adopter's" tax

So i have three Qns for you Ozbargainers.

1. Assuming you paid off your CC diligently every month.
2. What would be the Ozbargainer's perfect CC line up?
3. Have i missed out any awesome CC pros with my line up?

• 

  Aniseed Steed on 02/12/2017 - 07:02

  You missed out Bankwest Zero Platinum Mastercard and AMEX Essential Credit Card.

  • 

    tinnybastard on 02/12/2017 - 09:56

    As far as free credit cards go, these 2 cover all bases.

• 

  Heracles26 on 02/12/2017 - 09:02

  Citibank?

  • 

    tinnybastard on 02/12/2017 - 09:58

    Unless they have 0% interest balance transfer offer, I can't see any reason for one.

    • 

      dasher86 on 02/12/2017 - 16:13

      Citibank signature card - free for life…

• 

  brokenglish on 02/12/2017 - 10:19

  +1

  Some good samaritan already did it for you
  https://www.ozbargain.com.au/wiki/credit_card_guide

• 

  MathNerd on 03/12/2017 - 11:26

  +1

  • AmEx Platinum Edge card (for buying 5% WISH eGift cards from Cashrewards and getting 3 FF points per $ and also for Statement Credit offers such as Shop Small)

  • AmEx Explorer card [with points earn linked to the Platinum Edge's Ascent program] (for getting 2 FF points per $ on all spend apart from WISH eGift cards) (also for Statement Credit offers such as Shop Small)

  • Coles Rewards MasterCard (for all international purchases and for use when AmEx is not accepted/accepted with a ridiculous surcharge)

  Regarding the Coles Rewards MasterCard, it is possible to get the first year free (like I am on right now), by initially having the Coles No Annual Fee MasterCard and requesting an 'upgrade' to the Rewards card).

  This is my card lineup and it works well for me. I rarely use the Coles card, so I'll most likely downgrade it once my first year free is up, unless they can waive it for me!

  Feel free to ask further questions!