[[credit_card_guide]]

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credit_card_guide [2019/03/24 20:33]
leon99 [Coles Mastercard]
credit_card_guide [2024/02/12 09:36] (current)
supernova [HSBC Platinum]
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 ====== Australian Credit Cards - Which cards should you get to have an all-rounded portfolio that suits all your needs? ====== ====== Australian Credit Cards - Which cards should you get to have an all-rounded portfolio that suits all your needs? ======
  
-This guide is maintained by illumination and was inspired by [[https://www.ozbargain.com.au/node/193567#comment-2739556|this comment]]. Updated sporadically when I have time. I am happy for others to edit and add their own additions, but would like for any additions/amendments to be noted.+This guide was initially created by illuminationand was inspired by [[https://www.ozbargain.com.au/node/193567#comment-2739556|this comment]]. Please notate any additions/amendments in the "edit summary" section when you update this page!
  
 ===== Introduction ===== ===== Introduction =====
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 In the examples given below, the percentage used to show "rate of return" is based on gift cards, NOT premium class airfares/upgrades which arguably provides greater value for your points. All rates of return are calculated per dollar spent. In the examples given below, the percentage used to show "rate of return" is based on gift cards, NOT premium class airfares/upgrades which arguably provides greater value for your points. All rates of return are calculated per dollar spent.
  
 +=====Travel Cards (Debit and Credit Cards with no international fees)=====
 +
 +====Take a read of the Ozbargin Wiki located here:====
 +
 +[[https://www.ozbargain.com.au/wiki/cards_with_no_overseas_transaction_fees?&#credit_cards_with_no_overseas_transaction_fees|Cards with no overseas transaction fees]]
 + 
 ===== Purchasing Airfares with Frequent Flyer/Rewards Points ===== ===== Purchasing Airfares with Frequent Flyer/Rewards Points =====
  
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      * You owe $10,000, and if you do not have $10,000 currently saved, you will be accruing interest on this amount owed at the interest rate of card after the due date of your next statement      * You owe $10,000, and if you do not have $10,000 currently saved, you will be accruing interest on this amount owed at the interest rate of card after the due date of your next statement
   * You can now apply for a credit card with a promotional offer on Balance Transfers (such as, 0% on Balance Transfers for the next 16 months)   * You can now apply for a credit card with a promotional offer on Balance Transfers (such as, 0% on Balance Transfers for the next 16 months)
-  * If approved, for the next 16 months you will still owe $10,000 and you will NOT accrue any interest charges+  * If approved, for the next 16 months you will still owe $10,000 and you will NOT accrue any interest charges
 +  * In practice, there are minimum monthly payment and admin fee that you need to consider. For my case, it was $168/month minimum payment and 1.5% upfront fee. It is NOT free money for the 16-30 months, and the admin fee is higher than Saving Interest you can accrue from the balance. As such, unless you're having a substantial Credit Card balance, it is NOT A DEAL.
  
 === Cheque to Self (an even better type of Balance Transfer) === === Cheque to Self (an even better type of Balance Transfer) ===
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 These American Express cards over the last few years (2014-2016) have always had a bonus points offer on sign up. The amount may vary on a roughly quarterly basis, but is usually a variation of the points awarded, annual fee waiver, and/or a balance transfer promotion. These American Express cards over the last few years (2014-2016) have always had a bonus points offer on sign up. The amount may vary on a roughly quarterly basis, but is usually a variation of the points awarded, annual fee waiver, and/or a balance transfer promotion.
  
-All the following cards will give you access to many of the [[https://network.americanexpress.com/connect/au/en/default.html|AMEX statement credit deals]] posted here - often times you could make savings worth hundreds of dollars annually with these offers. Some of these offers are exclusive to American Express **direct** issued cards, which means those listed on [[https://www.americanexpress.com/au/content/all-cards/|this page]]. This is as opposed to American Express cards issued by the banks - which at present are only issued by three of the four major banks of Australia: NAB, Westpac, Commonwealth Bank+All the following cards will give you access to many of the [[https://network.americanexpress.com/connect/au/en/default.html|AMEX statement credit deals]] posted here - often times you could make savings worth hundreds of dollars annually with these offers. Some of these offers are exclusive to American Express **direct** issued cards, which means those listed on [[https://www.americanexpress.com/au/content/all-cards/|this page]]. This is as opposed to American Express cards issued by the banks - which at present are only issued by two of the four major banks of Australia: NAB, Westpac. 
  
 **N.B.** As of 2017-11-13 NAB no longer issues new AMEX cards and existing cards will expire on 2018-02-21 as per [[https://www.nab.com.au/personal/banking/credit-cards/manage-your-credit-card/nab-american-express-cards|this link]]. **N.B.** As of 2017-11-13 NAB no longer issues new AMEX cards and existing cards will expire on 2018-02-21 as per [[https://www.nab.com.au/personal/banking/credit-cards/manage-your-credit-card/nab-american-express-cards|this link]].
 +** Commbank stopped ** issuing AMEX cards and existing cards have been expired.
  
 The common features of these cards are as follows: The common features of these cards are as follows:
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   * $400 Travel Credit usable on car hire, hotels, flights and must be booked via [[https://travel.americanexpress.com.au|American Express Travel]] or over the phone.   * $400 Travel Credit usable on car hire, hotels, flights and must be booked via [[https://travel.americanexpress.com.au|American Express Travel]] or over the phone.
-  * Consistent 2 Membership Rewards **Gateway** points/$1 earn +  * 2 Membership Rewards **Gateway** points/$1 spent 
-    * Note that Membership Rewards **Gateway** points differ to the Membership Rewards **Ascent** points earned on the Platinum Edge. Most notably, the conversion rate to the airline programs is 25% lower from the Gateway variant +  * 1 Membership Rewards **Gateway** points/$1 spent on government bodies (ATO, AusPost, council rates etc.) 
-  * Membership Rewards Gateway - Transfer your points to multiple loyalty programs (e.g. Asia Miles, KrisFlyer, Enrich Miles, Emirates Skywards, AirPoints (Air NZ), Starwood Preferred Guest) and no points expiry. Good to take advantage of promotional point transfers which come up every now and then.+    * Note that Membership Rewards **Gateway** points differ to the Membership Rewards **Ascent** points earned on the Platinum Edge. 
 +  * Membership Rewards Gateway - Transfer your points to multiple loyalty programs (e.g. Velocity, Asia Miles, KrisFlyer, Enrich Miles, Emirates Skywards, AirPoints (Air NZ), Marriot Bonvoy) and no points expiry. Good to take advantage of promotional point transfers which come up every now and then.
     * There are reports from the [[http://www.australianfrequentflyer.com.au/community/current-credit-card-promotions/explorer-credit-card-new-amex-77925.html|Australian Frequent Flyer forum]] of being able to "convert" the points from Membership Rewards Gateway to Membership Rewards Ascent. It appears to be related to owning a card which earns into Membership Rewards Gateway **and** another card earning into Membership Rewards Ascent, and then calling to have them linked.     * There are reports from the [[http://www.australianfrequentflyer.com.au/community/current-credit-card-promotions/explorer-credit-card-new-amex-77925.html|Australian Frequent Flyer forum]] of being able to "convert" the points from Membership Rewards Gateway to Membership Rewards Ascent. It appears to be related to owning a card which earns into Membership Rewards Gateway **and** another card earning into Membership Rewards Ascent, and then calling to have them linked.
   * Complimentary Travel Insurance activated upon $500 cumulative spend on travel expenses. Airfare purchased must be a return airfare originating in Australia.   * Complimentary Travel Insurance activated upon $500 cumulative spend on travel expenses. Airfare purchased must be a return airfare originating in Australia.
   * Rate of Return (on versatile Gift Cards): 1.48% (2 points per $1 and 13500 points per $100 cash back or gift card)   * Rate of Return (on versatile Gift Cards): 1.48% (2 points per $1 and 13500 points per $100 cash back or gift card)
-  * Bonus points offer as at 25 November 2016 (check expiry and qualifying criteria): +  * Bonus points offer as at 28 May 2019 (check expiry and qualifying criteria): 
-     * 100,000 Membership Rewards Gateway points after spending $1500 within 3 months +     * 50,000 Membership Rewards Gateway points after spending $3,000 within 3 months 
-     * 100,000 Membership Rewards Gateway points with a [[https://www.ozbargain.com.au/deals/americanexpress.com#referral|referral link]] after spending $1500 within 3 months, with referee getting 30,000 points+     * 60,000 Membership Rewards Gateway points with a [[https://www.ozbargain.com.au/deals/americanexpress.com#referral|referral link]] after spending $3,000 within 3 months, with referee getting 60,000 points
   * Entry to the Sydney and Melbourne International Airport AMEX Lounge twice per calendar year   * Entry to the Sydney and Melbourne International Airport AMEX Lounge twice per calendar year
  
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 <del>One free domestic return flight per anniversary year on Virgin Australia incl. baggage - this is worth more than the annual fee in itself and //can// (may be against T&Cs) be resold as it does not need to be in your name. You could almost argue this makes the card free, without factoring in the effort of having to resell the ticket.</del> <del>One free domestic return flight per anniversary year on Virgin Australia incl. baggage - this is worth more than the annual fee in itself and //can// (may be against T&Cs) be resold as it does not need to be in your name. You could almost argue this makes the card free, without factoring in the effort of having to resell the ticket.</del>
   * $200 Travel Credit for new applications from [[https://www.ozbargain.com.au/node/275083|10 November 2016]]. The Travel Credit is usable on car hire, hotels, flights and must be booked via [[https://travel.americanexpress.com.au|American Express Travel]] or over the phone.   * $200 Travel Credit for new applications from [[https://www.ozbargain.com.au/node/275083|10 November 2016]]. The Travel Credit is usable on car hire, hotels, flights and must be booked via [[https://travel.americanexpress.com.au|American Express Travel]] or over the phone.
-  * Bonus points for expenditure in certain categories (3 points/$1 at major supermarkets, 2 points/$1 at major petrol stations+  * Bonus points for expenditure in certain categories (3 points/$1 at major supermarkets, 2 points/$1 for overseas spend with a surcharge and 1 point/$1 for everything else
-  * Membership Rewards Ascent - Transfer your points to multiple loyalty programs (e.g. Asia Miles, KrisFlyer, Enrich Miles, Emirates Skywards, AirPoints (Air NZ), Starwood Preferred Guest) and no points expiry. Good to take advantage of promotional point transfers which come up every now and then.+  * Membership Rewards Ascent - Transfer your points to multiple loyalty programs (e.g. Velocity, Asia Miles, KrisFlyer, Enrich Miles, Emirates Skywards, AirPoints (Air NZ), Marriott Bonvoy) and no points expiry. Good to take advantage of promotional point transfers which come up every now and then.
   * Complimentary Travel Insurance activated upon $500 cumulative spend on travel expenses. Airfare purchased must be a return airfare originating in Australia.   * Complimentary Travel Insurance activated upon $500 cumulative spend on travel expenses. Airfare purchased must be a return airfare originating in Australia.
   *- Rate of Return: At 3 points/$1 at supermarkets, ~2.61%    *- Rate of Return: At 3 points/$1 at supermarkets, ~2.61% 
   *-- If stacking with 15% off reward seats + 15% bonus points, rate of return on a 'peak' domestic Virgin Australia flight (MEL-BNE) = 7.65%   *-- If stacking with 15% off reward seats + 15% bonus points, rate of return on a 'peak' domestic Virgin Australia flight (MEL-BNE) = 7.65%
   * Purchasing (Woolworths) supermarket gift cards yields 3 points/$1, which is hugely important given the 5% eGift Cards we can regularly purchase from [[https://www.cashrewards.com.au/woolworths-gift-cards|Cashrewards]]/Entertainment Book   * Purchasing (Woolworths) supermarket gift cards yields 3 points/$1, which is hugely important given the 5% eGift Cards we can regularly purchase from [[https://www.cashrewards.com.au/woolworths-gift-cards|Cashrewards]]/Entertainment Book
-  * Bonus points offer as at 25 November 2016 (check expiry and qualifying criteria): +  * Bonus points offer as at 28 May 2019 (check expiry and qualifying criteria): 
-     * 10,000 Membership Rewards points after spending $750 within 3 months +          * 10,000 Membership Rewards points with a [[https://www.ozbargain.com.au/wiki/american_express_referrals|referral link]] after spending $750 within 3 months
-     * 15,000 Membership Rewards points with a [[https://www.ozbargain.com.au/wiki/american_express_referrals|referral link]] after spending $750 within 3 months+
  
 ==== American Express Velocity Platinum ($349 annual fee) ==== ==== American Express Velocity Platinum ($349 annual fee) ====
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 ==== Qantas American Express Discovery Card ($0 annual fee) ==== ==== Qantas American Express Discovery Card ($0 annual fee) ====
 [[https://www.americanexpress.com/au/content/frequent-flyer-cards/qantas-discovery-card/|Official Page]] [[https://www.americanexpress.com/au/content/frequent-flyer-cards/qantas-discovery-card/|Official Page]]
-  * QFF Point/$1 +  * 0.75 QFF Points/$1 
-  * QFF Points/$1 on "selected Qantas products and services in Australia" +  * 1.75 QFF Points/$1 on "selected Qantas products and services in Australia" 
-  * Current bonus points offer as at 25 November 2016+  * 0.5 QFF Points/$ on government bodies (ATO, AusPost, council rates etc.) 
-     * up to 7,500 Qantas points without referral after spending $750 within 3 months +  * Current bonus points offer as at 28 May 2019
-     * up to 15,000 Qantas points when using a [[https://www.ozbargain.com.au/wiki/american_express_referrals#qantas_discovery_credit_card|referral link]] after spending $750 within 3 months+     * up to 10,000 Qantas points when using a [[https://www.ozbargain.com.au/wiki/american_express_referrals#qantas_discovery_credit_card|referral link]] after spending $750 within 3 months
   * Rate of Return (on $10 Woolworths Gift Card for 1500 points): At 1 QFF point/$1, ~0.66%   * Rate of Return (on $10 Woolworths Gift Card for 1500 points): At 1 QFF point/$1, ~0.66%
  
 ==== Velocity American Express Escape Card ($0 annual fee) ==== ==== Velocity American Express Escape Card ($0 annual fee) ====
 [[https://www.americanexpress.com/au/content/velocity-rewards-cards/velocity-escape/|Official Page]] [[https://www.americanexpress.com/au/content/velocity-rewards-cards/velocity-escape/|Official Page]]
-  * VFF Point/$1 +  * 0.75 VFF Points/$1 
-  * VFF Points/$1 on Virgin Australia +  * 1.75 VFF Points/$1 on Virgin Australia spend 
-  * Current bonus points offer as at 25 November 2016+  * 0.5 VFF Points/$1 on spend with government bodies (ATO, Auspost, council rates etc.) 
-    * 7,500 points when you spend $750 within 3 months +  * Current bonus points offer as at 28 May 2019
-    * 15,000 points when using a [[https://www.ozbargain.com.au/wiki/american_express_referrals#velocity_escape_credit_card|referral link]] after spending $750 within 3 months+    * 10,000 points when using a [[https://www.ozbargain.com.au/wiki/american_express_referrals#velocity_escape_credit_card|referral link]] after spending $750 within 3 months
   * Rate of Return (on $50 Coles Gift Cards): At 1 VFF point/$1, ~0.55%   * Rate of Return (on $50 Coles Gift Cards): At 1 VFF point/$1, ~0.55%
 ==== American Express Essential Card ($0 annual fee) ==== ==== American Express Essential Card ($0 annual fee) ====
 [[https://www.americanexpress.com/au/content/essential-credit-card|Official Page]] [[https://www.americanexpress.com/au/content/essential-credit-card|Official Page]]
-  * 1 American Express Membership Reward Point/$1 on all purchases +  * 1.25 American Express Membership Reward Point/$1 on all purchases 
-  * 0.5 American Express Membership Reward Point/$1 on utilities, telcos, government bodies +  * American Express Membership Reward Point/$1 on government bodies (ATO, AusPost, council rates etc.) 
-  * Current bonus offer as at 25 November 2016+  * Current bonus offer as at 28 May 2019
-    * $50 statement credit when you spend $750 within 3 months +    * 10,000 American Express Membership Reward Points when use a [[https://www.ozbargain.com.au/wiki/american_express_referrals#essential_card|referral link]] and spend $750 within 3 months
-    * $75 statement credit when use a [[https://www.ozbargain.com.au/wiki/american_express_referrals#essential_card|referral link]] and spend $750 within 3 months+
   * Smartphone Screen Insurance where you essentially pay 10% of the cost of your screen repairs, covered up to a maximum value of $500 per claim (e.g. a $450 claim will incur a $45 charge called an "excess")   * Smartphone Screen Insurance where you essentially pay 10% of the cost of your screen repairs, covered up to a maximum value of $500 per claim (e.g. a $450 claim will incur a $45 charge called an "excess")
   * The only one out of the free AMEXs which includes up to 12 months of Extended Manufacturer's Warranty upon purchasing an eligible item on the card.   * The only one out of the free AMEXs which includes up to 12 months of Extended Manufacturer's Warranty upon purchasing an eligible item on the card.
   * Rate of Return (on a versatile Gift Card): ~0.74%?   * Rate of Return (on a versatile Gift Card): ~0.74%?
 ===== Mastercard/Visa ===== ===== Mastercard/Visa =====
-==== (EDITED) Citibank Signature Visa Card (reduced $199 annual fee in the first year (normally $395 per year))====+==== (EDITED) Citibank Premier Visa Card (reduced $199 annual fee in the first year (normally $395 per year))====
 [[http://www.citibank.com.au/aus/credit_cards/cards_signature.htm|Official Page]] | <del>[[https://www.ozbargain.com.au/node/190295|Free for Life Promo]]</del> **this offer is now expired** [[http://www.citibank.com.au/aus/credit_cards/cards_signature.htm|Official Page]] | <del>[[https://www.ozbargain.com.au/node/190295|Free for Life Promo]]</del> **this offer is now expired**
   * 75,000 points on your first spend within 90 days from card approval   * 75,000 points on your first spend within 90 days from card approval
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 ====HSBC Platinum==== ====HSBC Platinum====
 [[https://www.hsbc.com.au/1/2/personal/credit-cards/platinum|Official Page]] [[https://www.hsbc.com.au/1/2/personal/credit-cards/platinum|Official Page]]
-  * $129 annual fee, refunded if you spend over $6,000 in the year+  * $149 annual fee, first year waived. 
   * Complimentary 12 months Extended Warranty on most purchases of "personal goods"   * Complimentary 12 months Extended Warranty on most purchases of "personal goods"
   * Complimentary Travel Insurance   * Complimentary Travel Insurance
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 ====Coles Mastercard==== ====Coles Mastercard====
 [[http://www.colescreditcards.com.au/compare-our-cards|Official Page]] [[http://www.colescreditcards.com.au/compare-our-cards|Official Page]]
-  * $99, $49 or $0 Annual Fee +  * $99, $58 or $0 Annual Fee 
-  * 2 points/$1, 1 point/$2 or 1 point/$2+  * 2 points/$1#, 1 point/$2 or 1 point/$2 (#for the first $3,000 spent each month, 1 point / $1 thereafter)
   * 6 months Merchandise Protection (costs 1% of closing balance, avoidable if you pay the balance owed prior to statement being generated   * 6 months Merchandise Protection (costs 1% of closing balance, avoidable if you pay the balance owed prior to statement being generated
 +  * No International transaction fee on purchases: Yes, No, No
   * Rate of Return: 1% or 0.25%   * Rate of Return: 1% or 0.25%
   * Free Delivery with Coles Online when order over $100, not available to remote areas.   * Free Delivery with Coles Online when order over $100, not available to remote areas.
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   * If you are paying your balance off prior to statement generation, you are effectively reducing your interest free days to 28-31 days (depending on calendar month) instead of the maximum "up to 62 days"   * If you are paying your balance off prior to statement generation, you are effectively reducing your interest free days to 28-31 days (depending on calendar month) instead of the maximum "up to 62 days"
   * <del>  **Price protection** Pays the price difference to your account if an eligible item purchased with your card reduces in price at the same store within 24 months of purchase.</del> (No longer provided with new cards)   * <del>  **Price protection** Pays the price difference to your account if an eligible item purchased with your card reduces in price at the same store within 24 months of purchase.</del> (No longer provided with new cards)
-* **Merchandise protection** Pays the cost of repair or replacement if an eligible item purchased with your card is lost, stolen or damaged within 6 months of purchase. +  * **Merchandise protection** Pays the cost of repair or replacement if an eligible item purchased with your card is lost, stolen or damaged within 6 months of purchase.
-=====Travel Cards===== +
-  * The Bankwest Zero Platinum Mastercard is better than 28 Degrees in all aspects, except eligibility is stricter due to the minimum credit limit requirement of $6,000 which requires a higher salary +
-  * The other Bankwest Platinum Mastercards have an annual fee and you can earn points into a Rewards Program, but are otherwise exactly the same as the Zero Mastercard +
-  * The 28 Degrees is superior in only one aspect - 6 months Price Protection and Merchandise Protection +
-  * Bankwest cards have a 21 day "Purchase price guarantee", and a 3 month Purchase Security Cover +
-====28 Degrees Mastercard==== +
-[[http://www.28degreescard.com.au/|Official Page]] +
-  * **12 months Price Protection and Merchandise Protection on purchases** (costs 0.5% of closing balance, avoidable if you pay the balance owed prior to statement being generated) +
-  * No Rewards Points +
-  * No currency conversion fee, international transaction fees +
-  * Currency conversion rate is the Mastercard rate +
-====Bankwest Zero/More/Qantas Platinum Mastercard==== +
-[[http://www.bankwest.com.au/personal/credit-cards/compare-credit-cards/zero-mastercard-no-annual-fee-credit-cards|Zero]] | [[http://www.bankwest.com.au/personal/credit-cards/compare-credit-cards/more-mastercard-rewards-credit-cards?tab=features|More]] | [[http://www.bankwest.com.au/personal/credit-cards/compare-credit-cards/more-mastercard-rewards-qantas-credit-cards?tab=features|Qantas]] +
-  * $0/$130/$160 Annual Fee +
-  * Rate of Return: 0%/~0.74%/~0.50% +
-  * Complimentary Travel Insurance, Purchase Security Cover, Extended Warranty, Price Guarantee +
-  * No currency conversion fee, no international transaction fees+
  
-====Coles Rewards Mastercard==== +=====Promotional Credit Card Table=====
-[[http://financialservices.coles.com.au/credit-cards/rewards-mastercard|Official Page]] +
-  * $99 Annual Fee - the cheapest Credit Card on the market with no international transaction fees/foreign exchange fees **and** Rewards Points +
-  * 2 FlyBuys points per $1 spent +
-  * Rate of Return: 1% +
-  * See the section above Travel Cards for more information on the Coles Mastercard range +
- +
-====ANZ Travel Adventures==== +
-[[https://www.anz.com.au/personal/credit-cards/rewards/travel-adventures/|Official Page]] +
-  * $225 Annual Fee [[https://www.ozbargain.com.au/node/287907|plus 60k Velocity Points bonus after spending $500 within 3 months]] - offer expires 15 February 2017 +
-  * 1.5 Reward Points per $1 spent until 5/8/2017; afterwards: 1.5 ANZ Reward points per $1 spent, capped at $2,000 per statement; 0.5 ANZ Reward points for spend beyond $2,000 each statement. +
-  * 2 Virgin Australia lounge passes per card year +
-  * One free return Domestic Flight on Virgin Australia per card year - [[https://www.anz.com.au/personal/credit-cards/rewards/travel-adventures/|See destinations here]] +
-  * To "activate" the free flight and "activate" the benefit of the 2 Virgin Australia lounge passes, you must spend $500 within 3 months of approval +
-  * Overseas cash withdrawal fees from ATMs for Cash Advances are waived - however keep in mind you are still likely to incur interest charges unless your account is in credit +
- +
-==== Useful Information about the ANZ Travel Adventures Free Domestic Flight ==== +
-  * The flight must be booked in the name of the Cardholder (unlike the free flights on direct AMEX issued cards) +
-  * Must be booked 60 days or more in advance of departure +
-  * The free flight includes departures from the East Coast cities to Perth return (unlike Platinum Edge/Velocity, which includes PER-East Coast return but not vice versa) - these fares often go for $500+ +
-  * Flight is on Virgin Australia and includes food/baggage +
-  * The 2 free VA lounge passes that this card can be used with the free domestic flight +
-  * The flight is actually free. No taxes/surcharges need to be paid as long as there is availability +
-  * I believe there is a $107 change fee just like with the Platinum Edge/Velocity Platinum (but not sure how this works in relation to the 60 day minimum booking period rule) +
-  * Approximate availability can be found by looking for the same flight on VA's website and if they are selling the fare as a Saver fare, it is likely to be available for redemption +
-=====Other Cards (Short-Term Promotional Cards)===== +
-This section is not a reference to a specific card, but refers to cards that in general often have the following characteristics: +
-  * First year annual fee waived +
-  * Several tens of thousands of bonus points upon first purchase of $X within X months +
-  * Combination of many of the features mentioned above (e.g. Lounge Access, Extended Warranty, Rewards Program, Complimentary Travel Insurance) +
-  * These types of cards will usually be better than a lot of the cards mentioned above +
-  * However, they are usually only free for the first year and usually are **not** worth the annual fee going forward +
-  * The tens of thousands of bonus points usually offered is unbeatable and is usually worth at least $200+ +
-  +
-====Promotional Credit Card Table====+
 Please Update as deals as they change. \\ Please Update as deals as they change. \\
 Notes:   Notes:  
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 ^Bank ^Card ^Points ^Points Program ^Annual Fee ^Min Spend ^Min Income ^Min Credit Limit ^$/100pts ^MC/Visa Earn ^AMEX Earn ^Travel Insurance ^Other Main Bonus^OZ Bargain Link^ ^Bank ^Card ^Points ^Points Program ^Annual Fee ^Min Spend ^Min Income ^Min Credit Limit ^$/100pts ^MC/Visa Earn ^AMEX Earn ^Travel Insurance ^Other Main Bonus^OZ Bargain Link^
-|AMEX| Qantas Ulitmate   |55,000 |Qantas  |$450 |$1,500|$65,000|$3,000 |0.818|-|1.5 | |- |  +|AMEX| Qantas Ultimate   |55,000 |Qantas  |$450 |$1,500|$65,000|$3,000 |0.818|-|1.5 | |- |  
-|AMEX|Velocity Plantinum |100,000|Velocity|$375 |$1,500|$65,000|$3,000 |0.375|-|1.5 |✔|Domestic Return Flight, 2x Virgin Domestic Lounge Passes|[[https://www.ozbargain.com.au/node/307458|LINK]]|+|AMEX|Velocity Platinum |100,000|Velocity|$375 |$1,500|$65,000|$3,000 |0.375|-|1.5 |✔|Domestic Return Flight, 2x Virgin Domestic Lounge Passes|[[https://www.ozbargain.com.au/node/307458|LINK]]|
 |ANZ |Rewards Platinum |50,000 |Qantas  | $0  |$2,500|$35,000|$6,000 |0.000|0.75|-| |  |ANZ |Rewards Platinum |50,000 |Qantas  | $0  |$2,500|$35,000|$6,000 |0.000|0.75|-| |
 |ANZ |Rewards Black      |75,000 |Qantas  |$0 |$2,500|$75,000|$15,000|0.000|1|-   |✔|2x Qantas Club Lounge Passes|[[https://www.ozbargain.com.au/node/306408|LINK]]| |ANZ |Rewards Black      |75,000 |Qantas  |$0 |$2,500|$75,000|$15,000|0.000|1|-   |✔|2x Qantas Club Lounge Passes|[[https://www.ozbargain.com.au/node/306408|LINK]]|
Line 365: Line 322:
 |Macquarie|Black Qantas  |40,000 |Qantas  |$100 |$3,000|$70,000|$15,000|0.250|1|-   |  |Macquarie|Black Qantas  |40,000 |Qantas  |$100 |$3,000|$70,000|$15,000|0.250|1|-   |
 |Qantas|Premier          |60,000 |Qantas  |$150 |$3,000|$35,000|$6,000 |0.250|1|-   |✔|2x Qantas Club Lounge Passes|[[https://www.ozbargain.com.au/node/311056|LINK]]|  |Qantas|Premier          |60,000 |Qantas  |$150 |$3,000|$35,000|$6,000 |0.250|1|-   |✔|2x Qantas Club Lounge Passes|[[https://www.ozbargain.com.au/node/311056|LINK]]|
 +|Qantas|Premier Platinum|100,000 |Qantas  |$199 |$4,000|$35,000|$4,000 |0.199|1 (Qantas)|-   |✔|2x Qantas Club Lounge Passes, 75 status credits|[[https://www.ozbargain.com.au/node/569784|LINK]]|
 |St George|Amplify Signature|60,000|Qantas|$279 |$3,000|$75,000|$15,000|0.465|0.75  |-|  |St George|Amplify Signature|60,000|Qantas|$279 |$3,000|$75,000|$15,000|0.465|0.75  |-|
 |Westpac|Altitude Black  |80,000 |Qantas  |$195 |$5,000|$75,000|$15,000|0.244|0.625 |1.5|  |Westpac|Altitude Black  |80,000 |Qantas  |$195 |$5,000|$75,000|$15,000|0.244|0.625 |1.5|