Designed for the everyday shopper, the Coles Rewards Mastercard has a low annual fee and good flybuys earn rate

The Coles Rewards Mastercard is a no-frills card designed for the everyday shopper—there are no travel perks such as lounge access — as it’s a supermarket-branded card after all.

However, when it comes to standalone Visa/Mastercard credit cards that earn points into flexible points programs with decent points earn rates, the options are very limited, and the Coles Rewards Mastercard deserves to be considered for its relatively low annual fee, a solid points earn rate from spend, and no international transaction fee on purchases when shopping online or overseas. Continue reading…

Emirates Citi World Mastercard has up to 60,000 bonus Skywards Miles on offer, Emirates lounge and limo benefits with 1/2 annual fee

The Emirates World Mastercard from Citi has 60,000 bonus Emirates Skywards Miles on offer, with 50,000 bonus miles after using the card within the first 90 days after approval, and another 10,000 miles when you spend at least $500 on

The card also includes two Emirates lounge passes and one airport limo transfer each cardholder year (when flying Emirates). Continue reading…

Jetstar’s Platinum MasterCard reduces earn rate to 0.5 Qantas Point per dollar spend

After a series of major changes in 2016 that added points caps, increased annual fee and excluded payments to the ATO for the Jetstar MasterCard range, Jetstar gave the Platinum Mastercard variant another blow by reducing the points earn rate to 0.5 point per dollar on spend starting from 7 May. The details have been added to their FAQ page.

The annual points cap of 100,000 and annual fee of $169 for the Platinum Mastercard remains the same.

Continue reading…

Macquarie Visa Black and Platinum Card

There are two types of Macquarie Visa credit cards on offer, the Macquarie Black and the Macquarie Platinum card. Both cards offer a choice of rewards program and competitive points earn rates, including the ability to redeem your points for a vast array of rewards, or alternatively, to directly earn Qantas Frequent Flyer points.

Both cards come with Macquarie Personal Travel service, while the Black card throws in a range complimentary travel insurances. Continue reading…

A guide to the Amplify Rewards program

St.George, Bank of Melbourne and BankSA all share the same rewards program—Amplify Rewards—a flexible points program which should be considered if you’re looking for a rewards-based credit card. You can also choose to link the account to Qantas Frequent Flyer and earn Qantas Points.

In this guide, we cover the Amplify Rewards card range, the best partners to transfer your points to, and how to maximise your frequent flyer balances. Continue reading…

NAB flybuys Rewards Card Guide

The NAB flybuys Rewards Card is now unavailable to new applicants. We’ve left our guide up for reference for existing cardholders.

The NAB flybuys Rewards Card is a flybuys points earning card. You will also earn 1 flybuys rewards point per $ spent convertible to Etihad Guest Points.

Note: The flybuys and Etihad Guest partnership will come to an end on 31st July 2018. Which means linked members will no longer be able to redeem flybuys points for Etihad Guest Miles, collect flybuys points via the flybuys-Etihad booking portal or link flybuys and Etihad Guest memberships after this date. This is the final blow to a relationship that has been suspended since December 2017.

Card Details

CardNAB flybuys Rewards Card
Loyalty Programflybuys
Points earned from spend1 flybuys point (0.4 Etihad Guest points) per $1 spent.
Points CapCapped at 20,000 points per monthly statement period
Travel benefitsNAB Platinum concierge service access
Included InsurancesComplimentary travel and purchase insurance
Annual fee$95

Since flybuys partnered with Etihad Guest and Velocity, frequent flyers finally have a reason to load up on flybuys points.

If you’re not already a flybuys member, you can join flybuys here.

Effective Frequent Flyer Program Point Earn Rates

Partner Frequent Flyer ProgramEquivalent partner points earned
Velocity Points0.435 point / $ spent
Etihad Guest Miles0.4 point / $ spent

NAB’s flybuys Rewards Card earns 1 flybuys point per $ spent. flybuys offers a conversion rate of 0.8 Etihad points or 0.87 Velocity points for 2 flybuys points, so the card effectively earns 0.4 Etihad Guest Miles or 0.435 Velocity Points per $ spent.

There is no charge for additional cardholders on this card, but points are capped at 20,000 flybuys per monthly statement period.

The annual fee on this card is quite modest at $95. It also comes with seven different complimentary insurances including purchase insurance and travel insurance, which is active when you use your card to prepay at least $500 worth of travel expenses.

There are a number of reasons why you would want to transfer your flybuys points to Etihad Guest points, but if these aren’t for you, you can also use your flybuys points for several other rewards.

Summing up – NAB flybuys Rewards Card

The card doesn’t compare too favourably with its peer, the Coles Rewards MasterCard, which offers 2 x the points earn rate, at a similar annual fee.

If there is a new customer bonus or offer for the NAB flybuys Rewards card then it could be worth taking a look – but otherwise there are other options on the market worth considering if your focus is on earning points on day to day spend.