Credit Card with Apple Pay and Earn KrisFlyer Points

bobwokeup on 07/03/2019 - 02:12
Last edited 07/03/2019 - 10:19

I would like to get a credit card that has Apple Pay and earn KrisFlyer points.

I've narrowed it down to 3 options:

1) ANZ Rewards Black which is $375pa (which I don't mind as the bonus points are good), 120k bonus points and converts to 0.74 KrisFlyer
2) Citi Rewards Signature which is $195pa, 300k bonus points over 2 years and I think converts to 0.4 KrisFlyer points
3) HSBC Platinum which is $0pa, no bonus points and I think converts to 0.5 KrisFlyer

I know I can get Velocity points too then convert to KrisFlyer but the Virgin credit cards don't do Apple Pay.

So am I missing any other deals or other ways of getting KrisFlyer points?

EDIT: we want a daily spender so a Visa/MasterCard that is accepted everywhere.

Financial

Comments

  • Tech5 on 07/03/2019 - 02:47

    Certain amex cards still have a 50,000-100,000 sign up bonus with a 1:1 transfer to kris flyer. Sign up fee can be very expensive though

    • bobwokeup on 07/03/2019 - 10:18

      Sorry should have said we want a daily spender so a Visa/MasterCard that is accepted everywhere. Will update now.

  • bohn on 07/03/2019 - 07:53
    +1

    St George Amplify can send to Krisflyer. They usually have offers for Amplify points or QFF.

    Didn't realise St George didn't have Apply Pay ;/

    • starburstyellow on 08/03/2019 - 02:12
      +1

      Yeah, but it is the best earning KFF card there is at 0.825 per $1.

      • bohn on 08/03/2019 - 06:48

        Yep. Excluding amex obviously.

  • Some Guy on 07/03/2019 - 10:45

    Note that the Citi Sig can transfer to KF at up to 0.8 depending on the retailer, and add another 15% when transferred during a promo period. But at 0.4 for more everyday spend it is a little off the pace. I have it fee-free and pretty much keep it just for the 2 x priority pass.

    • bobwokeup on 08/03/2019 - 01:02

      Oh how does the Citi Sig transfer to KF at 0.8? I thought the best was 0.4 not taking into account special offers.

      • Some Guy on 08/03/2019 - 10:31

        The earn rate at major retailers, hotel chains, airlines etc and international spend is 2 Citi ppd which converts to KF at 0.8 KF per Citi point. Earn for spend at other places is only 1 or 1.5 Citi ppd (which transfer at lower rates obviously).

        You can find some info here:

        https://www1.citibank.com.au/credit-cards/citi-signature

        The fun is trying to figure out which restaurant is "major", for example. I don't think there's a published list anywhere.

        • bobwokeup on 08/03/2019 - 12:36

          Ah I see. Yeah I did see that however the 2 points isnt for major retailers and the rest for 2 points I'd rarely spend. Half our spending would be the other transactions so only 1 point per dollar. Think I'm going to go with ANZ Rewards as the rewards are better and with $100 cashback it's only $275 annual fee ;)

          • Some Guy on 13/03/2019 - 09:54
            +1

            @bobwokeup: I'm in the same boat as you. I don't often spend at anything other than the 1ppd places.

            I have the ANZ travel rewards adventure card but it is slightly worse than the Citi Sig, the monthly cap for eg.

            • bobwokeup on 13/03/2019 - 19:21

              @Some Guy: Yeah I wanted to get that card but the $2k limit and then points per dollar goes from 1.5 to 0.5 was what stopped me. Our credit card bills range from $4-6k per month so hence why I decided on the Rewards Black ;)

              • bohn on 13/03/2019 - 20:15

                @bobwokeup: I got the adventure and will get an ANZ ff card soon as well. The adventure pays for itself. Free flight, and u can sell the lounge passes. Plus you get the points.

                I'm not even going to keep it the full year as I will put spend on other cards and can reapply in a year.

                Also going to cancel and reapply for high flyer virgin once another 120k offer comes out. It's annoying no android or Apple pay though.

                • bobwokeup on 14/03/2019 - 11:19

                  @bohn: Yeah good point the flight, lounge passes and bonus points are worth it. Might do that in a month or 2 once I've reached the spend for the ANZ Rewards bonus points.

                  I hear you about the high flyer. I think I'll get it anyway to get the bonus points. Hopefully by the that time they'll have it but you just never know.

                  I reckon Westpac are real close to getting Apple Pay as they have nearly every other payment type.

  • Hector on 11/03/2019 - 11:19
    +1

    Know you want Visa/MC. Amex is accepted more and more now I find. And since no one has shared this thought it would be helpful

    I use the Westpac Altitude Black Amex which I have on my Apple Watch. https://www.westpac.com.au/personal-banking/credit-cards/rew…

    • 3 points / $ domestic. No cap
    • 2 points auto-converts to 1 Velocity mile. Therefore $1 gets me 1.5 Velocity points
    • 1.55 Velocity points converts to 1 KrisFlyer mile. So $1 spent gets me 0.96 KrisFlyer miles.

    Best thing out there?

    If you like my recommendation, maybe I could PM you a referral link? :) or not. All good either way

    • bohn on 11/03/2019 - 15:12

      It gets a mention :) Not the best, but a choice among others
      https://www.australianfrequentflyer.com.au/best-krisflyer-mi…

    • bobwokeup on 12/03/2019 - 02:22

      Thanks yeah that is a grest earn rate however it's a bundle and the MasterCard doesn't have Apple Pay. I've already applied to ANZ so I think once I've got that I'll get an AMEX card in a couple of months once my credit score goes back up.

  • Hector on 12/03/2019 - 09:33

    You can get the amex and mastercard separately….

    • bobwokeup on 12/03/2019 - 19:14

      Good to know, thanks will remember that when I'm ready to apply for an AMEX card.

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