ANZ Black Qantas Frequent Flyer Credit Card Promotion – 50000 points, free annual fee first year

ANZ has a special going on until 30th June 2015. I you apply and get approved, spend $3000 within the first 3 months you will get 50000 QFF or ANZ rewards points. The other perk is of course annual fee free for the first year. (Usually $425 inc QFF opt in)

Main Perks summary

  • Good points ratio QFF AMEX – $1 – 1.5 QFF *VISA $1 – 0.75 (Which is probably the best big 4 bank earn rate)
  • Additional 1 point per $1 on Qantas Products
  • uncapped points
  • 2 x complimentary Qantas Lounge passes
  • Unlimited entry to airport lounges outside Australia through veloce
  • Discounted Qantas Club Membership
  • Comprehensive Travel Insurance by QBE once you spend $250 (per event though)
  • 50000 points + free annual fee first year
  • Should be able to pay ATO with these cards, 1.45% with the AMEX is the one to go for.

Cons

  • Requires income over 75k to apply
  • VISA point ratio still doesn’t compare to other cards which can be $1 to 1 point.
  • Extended warranty only increases by 1 year if its 1-5 year warranty. Westpac is better.

My Take

  • Free 50000 QFF points and annual fee free (cancel once you get the points)
  • can sell QFF lounge pass if you don’t use it
  • QFF can be hard to redeem at times
  • Should apply before they finish in June

NAB rewards Rewards Premium Card bonus 40k points

There are quite a few good offers at this time of the year. Time to get your bonus points for your flights!

This popped up yesterday and I signed up immediately.

NAB Qantas Rewards Premium Card – bonus 40k points after eligible spend.

What’s the earn rate?

For the top 4 banks, it’s probably not the best earn rate compared to ANZ, CBA, Westpac. But it’s AMEX earn rate is the same as the others. The VISA points is a bit disappointing as you can see below.

AMEX – $1 to 1.5 Qantas points

VISA – $1 to 0.5 Qantas points.

What’s good about it?

  • 40000k free points once approved
  • comparable amex earn rate
  • 7 Complimentary insurances (Travel, extended warranty, purchase protection etc)
  • $0 annual fee for the first year. Usually $250.
  • Free supplementary card
  • 44 days interest free if you pay your bill on time.
  • Just need eligible spend to get 40k points. Doesn’t say you need to spend a certain amount.

Hard to apply?

  • You must apply online to get the offer
  • Should get immediate response
  • Should take 10 mins or so

Bottom line

  • Might only need to use it once or a few times and wait for the bonus points
  • Free 40k points – winner
  • not as good as the top bank cards which includes lounge passes etc. But for free, can’t complain.
  • You should all apply!

 

Amex Platinum Edge – Free annual fee and bonus 10000 points for you!

Those who know me, know I love my points. I’m sharing this one because it’s a fantastic deal and one of the best AMEX cards in terms of points earning IMO. other than the reserve which is my favourite, this is my second favourite.

Whats good about this card?

  • 3 Points earned per dollar in Supermarkets
  • 2 Points earned per dollar in Petrol stations
  • 1 Point earned for any other AMEX purchases
  • 0.5 Point earned for government / utility bill
  • FREE annual free for the 1st year – usually $195 dollars
  • If you click on my referral link you can get 10000 bonus points instead of 5000 points from the website.
  • You can transfer your MR points into 9 different airlines. Yes NINE.
  • FREE domestic flight. I don’t think you can do east west coast apparently. My reserve just beats it as it goes to New Zealand, but you can definitely fly virgin to sydney/brisbane no problems.

What does this mean?

  • A hell of alot of points! If you compare paying the best bank amex point earn rates they usually give you $1 to 1.5 point, so you earn double the amount of points per dollar. Winner. (Well only for supermarket spends) but WAIT. Woolworths and Coles have an array of different gift cards partners e.g. BIG W, Dick Smith, Caltex, Myer, Coles Express etc. So you can buy the gift cards and get 3 points per dollar! That might be different say you go to Myer, because you can go to the online mall and buy gift cards for 2 points per dollar plus your best AMEX card earn rate so essentially you can get 3.5 points per dollar that way. So it might be usual for coles express, big W etc. You just need to go to gift card section and see what you want.
  • You can transfer to NINE airline partners. So my favourite use is asian miles which has much better award availability than Qantas and the points required are LESS.

Wheres the link?

  • Just click on here and off you go! I got IK to sign up for it so i could get 10k points and she will too. I already got my 10k points immediately. MR points gets credited almost immediately so theres no real wait like qantas.

Bottom Line

  • Get this deal before the annual free offer ends. No brainer if its free, get 10k points, better earn rate and free flight.

Shop Small AMEX, Recieve $10 dollars credit after $20 spend

This has to be one of the best perks once or twice a year AMEX has. See link.  Basically, once you have spent $20 in any participating small shop that takes AMEX card, you get $10 credit into your statement.

See here for list of participating restaurants/shops.

All you have to do is register here and enter your AMEX details before spending!

There is also a chance to win 2 business class tickets with Qantas to the destination of your choice!

NOTE

  • You only get $100 max in credits. So 10 x $20 transactions
  • Only valid for November 2014.
  • You can only get $10 credit for registered card once for that shop/restaurant. So if you go again during this month, you won’t get another $10 credit.
  • Ineligible cards include
    • AMEX business accounts
    • Government Cards
    • Corporate purchasing cards
    • Corporate meeting cards
    • Corporate cards (whatever these cards are!)
  • You can register also with the following Bank issued AMEX cards
    • Commonwealth Bank
    • Westpac
    • ANZ
    • NAB

So recently me and IK have been going to places which take AMEX. The little perk/ tip to get $20 bucks off your meal is this and also to maximise your points as well, as my AMEX platinum reserve gets you 3 points per dollar which is terrific bonus. So if I can only use it once per restaurant, you need to get a supplementary card as well or another AMEX. Don’t forget supplementary card holders also need to register to get the bonus credit.

Most restaurants nowadays allow you to split bill which is the key. As long as its over a $20 transaction, you will get the $10 credit. I probably feel bad if there was a group of 3 and all of us split bill would be a hassle for the staff.  I’ve only got rejected once by a Japanese sushi place but i think its just down to the staff’s inability to be flexible. At the end of the day, you pay the same fees regardless of how many transactions it is. So if thats the case, order separately!

Some places I have visited who take AMEX and have successfully received $10 credit (Usually takes 3 days or so)

  • Hammer & Tong
  • Mamak
  • G2 Korean
  • Pastuso
  • Tao Taos
  • Gekkazan (Who didn’t let me split bill)

$110 credit so far!

PS. I did write about the AMEX Platinum Reserve. Unfortunately it no longer exists… Luckily I still have it and they still let me use it. I imagine there might be new products coming up. So you foodies out there might have to get the AMEX Platinum Card to get the 3 points per dollar bonus. but for a hefty $1200 annual fee!

Quick you have a few weeks to go!

AMEX Platinum Reserve

Also want to give a few reviews of my credit cards.

AMEX Platinum Reserve

This card is usually my go-to card if they accept AMEX. However, it really depends where and what I spend it on. As I frequent lots of restaurants this card gives me the most points for that purpose.

Point System – I opt for the AMEX Ascent program which is very advantageous as it has 9 different airline frequent flyer programs you can transfer your points into. For me, Cathay Pacific will be the main one as I travel back to HK once a year. The other pros are there is no expiry date on these points if they are under the membership rewards.

  • 3 points per $1 AUD spent in Australian restaurants listed on the AMEX website. So even if you go to Maccas or something you get 3 points per dollar spent.
  • 2 point per $1 AUD spent on airlines,accom,cruises, tour and on international purchases. see site.

PROS

  • 30000 free membership points when you sign up. or 40000 if you are referred by an existing card holder (Contact me if you would like a referral. I get commission with this by earning 20000 points with each referral)
  • Good point system with no expiry
  • Free return Virgin flight domestically or internationally* (only to New Zealand) or free one night accommodation at certain hotels in Australia.
  • Free Priority Pass to Lounges international airports. (limited to 2 / year)
  • Free International Travel Insurance (ACE insurance)

CONS

  • Hefty Annual fee of $395 (Can get it cheaper when I opted in with membership programs)
  • Priority Pass can only be used if in Australia (Melbourne international Airport only) Cannot be used for guests. They pay $27USD per visit
  • 3 points is only attainable if the restaurants listed in their AMEX website. So you may need to check whether the place you dine has that before you pay with this card. My rule is, if it takes AMEX and they don’t take surcharge, they are usually on the list.

OTHER PERKS

  • Often get emails from AMEX about credit back with certain shops/spends etc.
  • also check their Membership rewards bonus partners. e.g. if you book through the hotelclub AMEX site, you get 10 points per $1. See here for full list of offers.
  • Extra bonus points with the Local Champion App (You need Iphone and the AMEX app to play this) see Keith Mason’s how to guide for this.

THOUGHTS

  • Best card to accumulate points for those foodies out there. Hefty annual fee, but i think its worth it considering the benefits and free flight. Let me know if you like a referral!