I genuinely live for your videos. You're slaying ❤ no one else makes such detailed high quality content for the Aussie population. Please never stop doing what you're doing!
The Everyday Qantas card is a perfect companion card to the Amex ultimate card as you can use it in those scenarios where Amex isn't accepted and it's super low annual fee makes it worthwhile in a such a case if you don't want another high fee card.
We had the AMEX Card for about 2 years, however more and more businesses no longer except AMEX or charge a very high surcharge fee. We move to the NAB card and have generally been happy.
I have the Platinum card from them and was wondering if the annual fee is waived (currently $149) if you're premier? I know their Premier Mastercard doesn't have any annual fees
Great video! Maybe American Express changed it in the last 11 days but the sign up bonus for the Qantas American Express Utlimate card is 60,000 not 100,000 now
Missed the Amex Discovery Qantas Card. Great as there is no annual fee, so good option post having an Ultimate and want to keep an Amex open, but doesn’t want to pay an annual fee.
This is a great card with 0.75 Qantas Points spent per dollar. There is no cap/limit on this rate unlike many other cards. The lack of annual fee is great. I wonder why Ramond didnt consider this card?
Awesome video! just FYI the ANZ FF black card sign up bonus was changed to 90k Qantas points on the first year , 40k in the 2nd and only $200 cash back. What are your thoughts on that? would that bump it down a tier ?
Ahh that’s a shame, the sign up bonus for the ANZ seems to be getting slightly worse over time. Probably makes it comparable to the Westpac and NAB cards now
This video is such an awesome breakdown! I wish I had this info a year ago lol 😂 I had to do all the reading and research by myself but I got there in the end choosing the Amex one which I’m soo glad I did every single day
Great video! One reason I went with NAB is that they didn’t charge for an extra physical card. Some providers are charging a lot for multiple cards bringing the annual fee up considerably!
The bankwest card actually gives you 40k after you hit the minimum spend and another 10k after you have it for 15 months. So you dont actually have to wait 15 months for the sign up bonus. Only if you want the full bonus like the nab westpac etc
What card would you recommend with Bonus points and no international fees ( that i could use while travelling overseas) with a relatively low annual fee
2% cashback is probably better in most cases, but people want Qantas points so they can fly business or first class for a lot cheaper than paying cash. The value of points redeemed on certain flights (vs paying wholly in cash) can be worth way more than 2% cashback. From a purely spend less money perspective the cashback is way better.
The NAB card was the only one I wanted to see where you put it on the graph and you forgot to add it there… you talked about it but then didn’t say which category you’d slot it into.
Great review but fyi it ignores the HSBC credit cards. In the first year the Platinum one has no annual fee and 1.5 points earned per dollar up to $120k and 1 point per dollar on the next $120k.
I've recently been looking at a card to acquire Qantas points my question is which one would be good for say a business card for example if i pay for fba ads or any other payments for my business great video btw
Another great video. I’m learning so much. Thank you. …I haven’t had an American Express Card in over a decade BUT when I did, every purchase incurred an Amex surcharge. Is it still just as bad and do you take this extra cost into how you review Amex rewards cards? You never seem to mention it but I think it’s a significant decider regarding value. What are your thoughts on the subject?
That’s what put me off the Amex option too, plus some retailers just don’t accept Amex at all. I ended up getting the Qantas premier platinum (before I saw this video) so oops. Oh well. I also read some reviews that the $450 travel credit is not as good as it seems, because you have to book through the Amex travel website and prices on the Amex travel website can be higher than if you book through Webjet or directly with the airline. I can’t remember the exact prices but I read something on Reddit maybe where the person said to book it through Amex the flight was a few hundred $$ more than if they booked directly with the airline, so it wasn’t as good value as it originally seemed.
@@Happydog2123 it’s ok so far got the bonus points for sign up basically as soon as the statement period ended. So far I’m up to about 110k points, 80k from the sign up bonus and then quite a few from the woolies everyday rewards as well, plus I booked some hotels that had bonus points too.
@@7astarael Yes agree. I find that a lot of retailers don't like American express because of charges so I make sure I have a visa card also. Last year I booked a flight through Amex and the flights were higher than if I booked through the airline but when the final amount with the $450 discount was better than not having a discount. The customer service from Amex has been amazing, especially in the testing times of COVID. By the way thank you so much for your great videos, so informative. Keep us in the loop :)
But you have to book the flights thru the american expresss site etc. im wondering if the prices are just inflated theough those sites anyway , negating most of youre benefit
It definitely can be inflated but not always the case. Personally, have the Explorer Credit card so I have $400 in travel credit that I need to redeem. For my Europe trip last year, I redeemed that credit for accommodation in Rome, which for the hotel we booked ended up being on par with prices that we saw on sites like Agoda, Booking, and Trip. Compare the flight prices directly with the airlines to ensure you get a good deal when redeeming your credit.
Have the Ultimate card myself and can say that for the the 3 trips I’ve booked there over the last three years, they cost the same to booking directly through Qantas. Did come across one potential booking where it cost about $30 more to book on Amex but it was rare. You do lose some benefits of booking direct such as free seat selection or free cancellation within 24 hours. But you get most of them back if you are a QFF.
You have mixed up the NAB and Westpac cards at 14.42 because it’s the NAB card that doesn’t offer lounge access, not Westpac. Also, the summary slide at 19.28 obscures half the cards making them difficult to identify. It would be best to show the full cards (or most of them). But thanks for making this video - it’s helpful despite the bugs.
Why don't you include the cost of the Qantas earning in the summaries. Can you please show a table in your next review with breaking down some important perks
Didn’t forget about that one, left it off intentionally as it doesn’t come with a sign up bonus at all. Honestly not a card worth considering at this point in time
Great videos, keep up the good work. Question: It wasn't sure for the Qantas American Express Ultimate Card if you were eligible for the Complimentary Travel Insurance if $450 Annual Qantas Travel Credit was used for the booking.
I need people's opinion here: I am looking for a creditcard that my partner and i can use. Simply buy groceries,fuel and daily expenses is what we wanna use this card for. Possibility paying our rent with this aswell? We dont fly that often but maybe that will change in the future. We wanna save up points, which one will be recommended?
Hey mate, if you're looking for a low annual fee card check out the Westpac Altitude Platinum Card. Otherwise I still think the American Express Qantas Ultimate / Explorer are great options. FYI - you can't pay for your rent with credit cards unfortunately.
@@raymondla thank you for your response. I will have a look into this. I really thought you could pay rent with a credit card. That would have been perfect..
Based on personal and family experience flying qantas business in the past 2 years, for the foreseeable future I will stay clear of qantas in general. You hardly get value for money in point conversion as well as inflight service offerings. It would be good to learn more about foreign airliners that fly to Australia and their loyalty clubs in particular Singapore and Qatar airlines
Hi mate, great video. Following your advice thanks recently got the amex quantas ultimate card, my main reason is for traveling (Canada and other places) and I'm second guessing my choice, should I go for the amex explorer and cancel the ultimate? Really appreciate your response.
Hey mate, I would just continue using the ultimate card. If you cancel the card you won’t be eligible for the sign up bonus for the Explorer anyway! It’s a great card so don’t sweat it.
I'm curious, I've had Westpac Altitude last year but has gotten rid of it, if I sign up for the Westpac Altitude Black, would I still get the bonus points or nah? Amazing videos BTW!
You won't be eligible because you've already held the Platinum card. This is what it states in the T&C with Westpac - "Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months"
Hey mate - I’ve done a video covering those here - 5 BEST Travel Credit Cards To Use Whilst Overseas | NO FX FEES ruclips.net/video/_RSLO2Ycxp8/видео.html
Hey man I used my amex ultimate card to book flights with qantas using my frequent flyer points it came to 420 dollars with my tax does my bill just get reimbursed because I get the 450 dollar credit
Hi! When you say Qantas lounge pass. Is this Business or first class lounge ? or is it an entirely different lounge pass to business and first? Im currently a long time westpac customer and I think it's either going to be the ANZ or the Westpac card. Just not sure which one!
CommBank Ultimate doesn’t even give a sign up bonus anymore, so frankly I don’t think it provides much value at all. My intent of the video was to focus on personal cards only as the of majority of people aren’t running their own businesses. I can look into doing a business card qantas video in the future though!
Thank you! I'm new in this australian credit cards. And my goals is to travel back to my country once a year, so it helps me a lot to decide. Thank you!
Whenever you apply for a new credit card a hard enquiry is made into your credit report which does negatively impact it. My own anecdotal experience is that it reduces my score by about 30 points. Closing your credit cards actually increases your credit score in Australia, unlike in other countries overseas.
You could cancel it immediately if you wanted to, there's no hard or fast rule. But if you're wanting to churn credit cards then I made a full video talking about it here - ruclips.net/video/ecRW53YVZmc/видео.html I also go into detail about how frequently I open and close credit cards, if that provides you with any insight!
If you already got the sign up qantas bonus points, can you cancel your credit card within the 1st year? Will you lose your sign up bonus if you cancel credit card within the 1st year?
There’s at least one Qantas earning card you’ve left out, the Qantas Amex Discovery card. No annual fee & 0.75 points per dollar spent (bar government organisations which is 0.5 points per dollar. Are you receiving an incentive to recommend these cards because the have annual fees?
There’s actually plenty of cards I missed because it would’ve taken me probably an hour to go through them all! But I didn’t talk about the discovery card because it didn’t have a sign up bonus included. I’m not affiliated with any of the credit cards providers in this video. If I were I’d definitely disclose it!
You didn’t mention interest rates etc for each card, that’s a major factor. I saw one said over 20% interest on purchases! So basically paying an extra $200 for every $1000 spent…. Wouldn’t it be smarter to not use a credit card and then just put 20% of all your purchases into a savings account? Rather than spending $20,000 to get an equivalent of $200 in points … which would also be $4000 of interest alone…
Whilst I didn’t touch on the topic in this video, my recommendation is to always pay off your credit card bills in full each month. This way you aren’t incurring any interest on your payments. This would make the interest rates on these cards a moot point, which is why I didn’t talk about it.
Chasing points with real money to buy crap you don’t need. I just buy the cheapest flights with my own cash and it works out way cheaper than all these gimmicks.
You failed to fully analyse all Qantas cards,e.g. CBA Ultimate. Also, any real effort to analyse properly you could have designed a simple value added algorithm. Again, e.g., Reward points divided by annual fee charged even where the points are given after 15 months. Then added a value for benefits, insurance, zero international fees, lounges etc. some having a higher value. Not including the Amex Discovery card is a mistake with zero fee, .75 points and Westpac Qantas Platinum. You failed to consider income requirements and customer service too - all could have had an assigned value. Lot easier to get a card with income between $30-75k the national income being $50-60k than those requiring >$75. Your review was seriously flawed.
Hi Raymond, love your videos. very informative and easy to follow. i have a question though: Im thinking about applying for the nab qantas rewards signature card for the 90k qantas bonus points. whats is their cancellation policy? can i cancel is once i have received the points and have paid off my balance? thank you
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I genuinely live for your videos. You're slaying ❤ no one else makes such detailed high quality content for the Aussie population. Please never stop doing what you're doing!
Thank you so much mate that feedback means a lot!
The Everyday Qantas card is a perfect companion card to the Amex ultimate card as you can use it in those scenarios where Amex isn't accepted and it's super low annual fee makes it worthwhile in a such a case if you don't want another high fee card.
We had the AMEX Card for about 2 years, however more and more businesses no longer except AMEX or charge a very high surcharge fee. We move to the NAB card and have generally been happy.
HSBC is 1.5 points per dollar uncapped for the first year, and $0 annual fee for premier members
I have the Platinum card from them and was wondering if the annual fee is waived (currently $149) if you're premier? I know their Premier Mastercard doesn't have any annual fees
You have to hold premier status to get the premier card
Great video! Maybe American Express changed it in the last 11 days but the sign up bonus for the Qantas American Express Utlimate card is 60,000 not 100,000 now
Yeah unfortunately it appears the upgraded sign-up bonus offer has now ended. Hopefully they bring it back in the future!
So, as I see it, first get the Amex Ultimate for a year or less, then move to St. George Amplify.
Am I wrong?
Missed the Amex Discovery Qantas Card. Great as there is no annual fee, so good option post having an Ultimate and want to keep an Amex open, but doesn’t want to pay an annual fee.
This is a great card with 0.75 Qantas Points spent per dollar. There is no cap/limit on this rate unlike many other cards. The lack of annual fee is great. I wonder why Ramond didnt consider this card?
Awesome video! just FYI the ANZ FF black card sign up bonus was changed to 90k Qantas points on the first year , 40k in the 2nd and only $200 cash back. What are your thoughts on that? would that bump it down a tier ?
Ahh that’s a shame, the sign up bonus for the ANZ seems to be getting slightly worse over time. Probably makes it comparable to the Westpac and NAB cards now
Great video! Looking forward to a velocity version 😊
Noted! Will definitely look to do one in the future!
This video is such an awesome breakdown!
I wish I had this info a year ago lol 😂 I had to do all the reading and research by myself but I got there in the end choosing the Amex one which I’m soo glad I did every single day
You made an excellent choice! Glad you're still using it to this day, it is an awesome card!
Great video! One reason I went with NAB is that they didn’t charge for an extra physical card. Some providers are charging a lot for multiple cards bringing the annual fee up considerably!
Hey brother, I have a few questions I hope you can help me out with, how would I reach you?
The bankwest card actually gives you 40k after you hit the minimum spend and another 10k after you have it for 15 months. So you dont actually have to wait 15 months for the sign up bonus. Only if you want the full bonus like the nab westpac etc
Plus, if you’re a mortgage holder there is no fee
What card would you recommend with Bonus points and no international fees ( that i could use while travelling overseas) with a relatively low annual fee
The citi prestige priority pass benefit is closer to US$500 benefit with free entry for you and a guest.
I feel the 2% cashback offered by HSBC provides more value than Qantas points for daily spendings.
2% cashback is probably better in most cases, but people want Qantas points so they can fly business or first class for a lot cheaper than paying cash. The value of points redeemed on certain flights (vs paying wholly in cash) can be worth way more than 2% cashback. From a purely spend less money perspective the cashback is way better.
The NAB card was the only one I wanted to see where you put it on the graph and you forgot to add it there… you talked about it but then didn’t say which category you’d slot it into.
Hey mate, if you mean the NAB Qantas Rewards Card, I ranked it into the second category at around 14:45 onwards
Your videos are amazingly helpful! Well done and keep it up!
Glad you like them!
Awesome video Raymond, I just got one from NAB and I wish I watched this video earlier.
NAB card is a solid option, don't sweat it!
Great review but fyi it ignores the HSBC credit cards. In the first year the Platinum one has no annual fee and 1.5 points earned per dollar up to $120k and 1 point per dollar on the next $120k.
I've recently been looking at a card to acquire Qantas points my question is which one would be good for say a business card for example if i pay for fba ads or any other payments for my business great video btw
Another great video. I’m learning so much. Thank you.
…I haven’t had an American Express Card in over a decade BUT when I did, every purchase incurred an Amex surcharge. Is it still just as bad and do you take this extra cost into how you review Amex rewards cards? You never seem to mention it but I think it’s a significant decider regarding value. What are your thoughts on the subject?
That’s what put me off the Amex option too, plus some retailers just don’t accept Amex at all. I ended up getting the Qantas premier platinum (before I saw this video) so oops. Oh well. I also read some reviews that the $450 travel credit is not as good as it seems, because you have to book through the Amex travel website and prices on the Amex travel website can be higher than if you book through Webjet or directly with the airline. I can’t remember the exact prices but I read something on Reddit maybe where the person said to book it through Amex the flight was a few hundred $$ more than if they booked directly with the airline, so it wasn’t as good value as it originally seemed.
@@7astaraelI’m thinking about getting a Qantas premier platinum card. What are your thoughts on it?
@@Happydog2123 it’s ok so far got the bonus points for sign up basically as soon as the statement period ended. So far I’m up to about 110k points, 80k from the sign up bonus and then quite a few from the woolies everyday rewards as well, plus I booked some hotels that had bonus points too.
@@7astarael Yes agree. I find that a lot of retailers don't like American express because of charges so I make sure I have a visa card also. Last year I booked a flight through Amex and the flights were higher than if I booked through the airline but when the final amount with the $450 discount was better than not having a discount. The customer service from Amex has been amazing, especially in the testing times of COVID. By the way thank you so much for your great videos, so informative. Keep us in the loop :)
Another great video mate!
Thanks again!
What about CommBank Ultimate Awards credit card?
But you have to book the flights thru the american expresss site etc. im wondering if the prices are just inflated theough those sites anyway , negating most of youre benefit
Yes I also wondered that as have read some posts on Reddit saying the $450 travel credit is a bit of a gimmick.
It definitely can be inflated but not always the case. Personally, have the Explorer Credit card so I have $400 in travel credit that I need to redeem. For my Europe trip last year, I redeemed that credit for accommodation in Rome, which for the hotel we booked ended up being on par with prices that we saw on sites like Agoda, Booking, and Trip. Compare the flight prices directly with the airlines to ensure you get a good deal when redeeming your credit.
Have the Ultimate card myself and can say that for the the 3 trips I’ve booked there over the last three years, they cost the same to booking directly through Qantas. Did come across one potential booking where it cost about $30 more to book on Amex but it was rare.
You do lose some benefits of booking direct such as free seat selection or free cancellation within 24 hours. But you get most of them back if you are a QFF.
You have mixed up the NAB and Westpac cards at 14.42 because it’s the NAB card that doesn’t offer lounge access, not Westpac.
Also, the summary slide at 19.28 obscures half the cards making them difficult to identify. It would be best to show the full cards (or most of them). But thanks for making this video - it’s helpful despite the bugs.
Yes apologies for that mix up between the NAB and Westpac card, editing error on my behalf!
Why don't you include the cost of the Qantas earning in the summaries.
Can you please show a table in your next review with breaking down some important perks
Adding interest rates would be of benefit.
Forgot the Mastercard Ultimate Awards card from the Commonwealth Bank with automatic Qantas points conversion
Didn’t forget about that one, left it off intentionally as it doesn’t come with a sign up bonus at all. Honestly not a card worth considering at this point in time
Great videos, keep up the good work.
Question: It wasn't sure for the Qantas American Express Ultimate Card if you were eligible for the Complimentary Travel Insurance if $450 Annual Qantas Travel Credit was used for the booking.
did you find out an answer to this?
You missed the NAB Qantas card
13:29
Does the Qantas American express ultimate card has foreign transaction fee?
Ps you had the westpac and nab card mixed up in your video, westpac has the complimentary 2 pass lounge, but in the vid you put it as nab
Hi Raymond is the ANZ Black still offering the same benefits?
hi i am new to credit cards in Australia currently own NAB platinum CC I am a frequent flyer
which would you recommend, I don't use quantas
Nab signature card or Amex qantas card ! Mostly for gaining more qantas points & everyday usage ! Any suggestions!?
Solid info brother
Glad it was helpful!
I need people's opinion here:
I am looking for a creditcard that my partner and i can use. Simply buy groceries,fuel and daily expenses is what we wanna use this card for. Possibility paying our rent with this aswell?
We dont fly that often but maybe that will change in the future.
We wanna save up points, which one will be recommended?
Hey mate, if you're looking for a low annual fee card check out the Westpac Altitude Platinum Card. Otherwise I still think the American Express Qantas Ultimate / Explorer are great options. FYI - you can't pay for your rent with credit cards unfortunately.
@@raymondla thank you for your response. I will have a look into this.
I really thought you could pay rent with a credit card. That would have been perfect..
Based on personal and family experience flying qantas business in the past 2 years, for the foreseeable future I will stay clear of qantas in general. You hardly get value for money in point conversion as well as inflight service offerings. It would be good to learn more about foreign airliners that fly to Australia and their loyalty clubs in particular Singapore and Qatar airlines
Lol the picture of the nab and Westpac cards do not match the context
Hi mate, great video. Following your advice thanks recently got the amex quantas ultimate card, my main reason is for traveling (Canada and other places) and I'm second guessing my choice, should I go for the amex explorer and cancel the ultimate? Really appreciate your response.
Hey mate, I would just continue using the ultimate card. If you cancel the card you won’t be eligible for the sign up bonus for the Explorer anyway! It’s a great card so don’t sweat it.
@@raymondla thanks mate! I guess I need to work out how to convert quantas points into aircanada points somehow...
I'm curious, I've had Westpac Altitude last year but has gotten rid of it, if I sign up for the Westpac Altitude Black, would I still get the bonus points or nah? Amazing videos BTW!
You won't be eligible because you've already held the Platinum card. This is what it states in the T&C with Westpac - "Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months"
Raymond. How about research on cards like wise and revolt
Hey mate - I’ve done a video covering those here - 5 BEST Travel Credit Cards To Use Whilst Overseas | NO FX FEES
ruclips.net/video/_RSLO2Ycxp8/видео.html
Hey man I used my amex ultimate card to book flights with qantas using my frequent flyer points it came to 420 dollars with my tax does my bill just get reimbursed because I get the 450 dollar credit
Hi! When you say Qantas lounge pass. Is this Business or first class lounge ? or is it an entirely different lounge pass to business and first? Im currently a long time westpac customer and I think it's either going to be the ANZ or the Westpac card. Just not sure which one!
I didn't include it in the video due to the lack of a sign-up bonus. But if I had of included it, it would've gone at the bottom for me personally!
Damn... the AMEX Qantas card is only 60k sign-up bonus now... currently 60k sign-up bonus.... should I just wait for them to have another promotion?
I just got approved for the Amex Qantas ultimate. Wondering whether I need the anz card that you ranked as “sign up now”
I'd focus on meeting the signup bonus for the Qantas Ultimate card first!
Which is best if you just want complimentary travel insurance on an ongoing basis?
while earning points as you spend of course
What about the Westpac platinum?
Can you do a video for virgin airplane rewards?
Why didn’t you review the business cards or the commbank ultimate card?
CommBank Ultimate doesn’t even give a sign up bonus anymore, so frankly I don’t think it provides much value at all. My intent of the video was to focus on personal cards only as the of majority of people aren’t running their own businesses. I can look into doing a business card qantas video in the future though!
Thank you! I'm new in this australian credit cards. And my goals is to travel back to my country once a year, so it helps me a lot to decide. Thank you!
Glad it was helpful!
Excellent video
what impact does cancelling and reopening have on your credit rating in Australia?
Whenever you apply for a new credit card a hard enquiry is made into your credit report which does negatively impact it. My own anecdotal experience is that it reduces my score by about 30 points.
Closing your credit cards actually increases your credit score in Australia, unlike in other countries overseas.
@@raymondla so what is the best way to manage your rating if you’re closing and reopening annually or on a frequent basis?
If you have a partner can u use the lounge access passes for both of us eg: two people two passes both passes used up one time?
Yes you can do this!
I'm trying to apply for the Amex Platinum card. Is it difficult to use it here in OZ as most places accept mainly visas and Mastercard ??
Plenty of places accept AMEX these days, there’s fewer and fewer stores that don’t
@@raymondla thanks for replying. I should have mention paying utility bills etc or best to use sniip??
@@fredf4395 my water, gas and electricity all don’t accept Amex.
Any AMEX should be avoided despite the perks you can not use at many retailers negating any earn benefit
ok so newbie question.... how long after i get my points can i cancell the card?
You could cancel it immediately if you wanted to, there's no hard or fast rule. But if you're wanting to churn credit cards then I made a full video talking about it here - ruclips.net/video/ecRW53YVZmc/видео.html
I also go into detail about how frequently I open and close credit cards, if that provides you with any insight!
Don't you need to earn 250k as an individual to qualify for the titanium card?
I might be thinking this is the citi bank titanium card
If you already got the sign up qantas bonus points, can you cancel your credit card within the 1st year? Will you lose your sign up bonus if you cancel credit card within the 1st year?
No you won't lose any Qantas points you've earned via the sign-up bonus after you close the card
@@raymondla thank you...i saw you explained it as well in your other video about churning credit cards.
How did you value 1 point = $0.01? Around 11.30 - 12.00
11.55*
You missed a fairly major one… Qantas Business Rewards?
Hey mate this video was focused on non business credit cards, which is why I didn’t touch on that one. That one is a solid card though 👍
Thanks mate
Did you consider the Amex Platinum (it's amazing)? Or is this video for pure Qantas cards?
Hey mate, the platinum card is indeed an amazing card but this video was focused solely on qantas cards!
There’s at least one Qantas earning card you’ve left out, the Qantas Amex Discovery card. No annual fee & 0.75 points per dollar spent (bar government organisations which is 0.5 points per dollar.
Are you receiving an incentive to recommend these cards because the have annual fees?
There’s actually plenty of cards I missed because it would’ve taken me probably an hour to go through them all! But I didn’t talk about the discovery card because it didn’t have a sign up bonus included.
I’m not affiliated with any of the credit cards providers in this video. If I were I’d definitely disclose it!
thank you
Welcome!
Don’t worry about cards, Qantas is one of the worse airlines in the world
Really? They are fine…not great.
Whats the best?
@@alexw8284 Qatar, Singapore, Emirates….Qantas service is great on board it’s all the surrounding issues.
Singapore Airlines, Emirates , Qatar Airways , Air France , Turkish Airlines should I go on
@@adriansamuels3965none of which fly domestic in Australia
Screw Qantas
You didn’t mention interest rates etc for each card, that’s a major factor. I saw one said over 20% interest on purchases! So basically paying an extra $200 for every $1000 spent…. Wouldn’t it be smarter to not use a credit card and then just put 20% of all your purchases into a savings account? Rather than spending $20,000 to get an equivalent of $200 in points … which would also be $4000 of interest alone…
Not sure if you either (1) don’t understand how credit cards work, (2) don’t pay them off each month, or (3) both.
Whilst I didn’t touch on the topic in this video, my recommendation is to always pay off your credit card bills in full each month. This way you aren’t incurring any interest on your payments. This would make the interest rates on these cards a moot point, which is why I didn’t talk about it.
Exactly. That's the idea... To pay the credit card in full otherwise don't consider credit cards
Chasing points with real money to buy crap you don’t need. I just buy the cheapest flights with my own cash and it works out way cheaper than all these gimmicks.
The idea is that you spend the money on things you need or want, the points are a bonus. Isn’t it obvious?
不是很明白😂不过演的很好
isnt it like 100,000 qantas points to book business class, so you have to spend $100,000 to earn that how dumb lmao
You failed to fully analyse all Qantas cards,e.g. CBA Ultimate. Also, any real effort to analyse properly you could have designed a simple value added algorithm. Again, e.g., Reward points divided by annual fee charged even where the points are given after 15 months. Then added a value for benefits, insurance, zero international fees, lounges etc. some having a higher value. Not including the Amex Discovery card is a mistake with zero fee, .75 points and Westpac Qantas Platinum. You failed to consider income requirements and customer service too - all could have had an assigned value. Lot easier to get a card with income between $30-75k the national income being $50-60k than those requiring >$75. Your review was seriously flawed.
That list is incomplete, therefore your rankings are shite
Do you expect a response from him with that attitude ?
Hi Raymond,
love your videos. very informative and easy to follow. i have a question though:
Im thinking about applying for the nab qantas rewards signature card for the 90k qantas bonus points. whats is their cancellation policy? can i cancel is once i have received the points and have paid off my balance?
thank you
Hey there glad you're enjoying the content. Yes you can indeed cancel immediately after receiving your bonus points.
@@raymondla thank you. also would cancelling a credit card affect my credit score?
much appreciated! 🙏🏼
@@afiliasian cancelling your credit card actually improves your credit score!
The worst advice ever,
Elaborate pls
Hey mate I'm always open to constructive feedback on how I can improve my videos. Let me know what you think could be improved on my end.
Do these credit cards give me access to Qantas frenquent flyer program for free?
Do I get my money for the annual fee back once I cancel the credit cards?
No, but you can call up the bank when you can cancel and ask for a pro-rata refund (not always guaranteed to work though)
Qantas is just a sht company, the brand has been flushed down the shitter.
I'm an Aussie saying that lol.