Post Covid I thought we wouldn't do any more overseas trips and "wasted" many Qantas and Velocity points the last 2 years on car hire, accommodation, a tablet and a mattress!
I'm now having second thoughts and want to go to Europe next year and trying to build those points up again with the big sign on bonuses.
I'm retired 10 years and have 2 approvals in 23/24 - the Velocity High Flyer card (80,000 bonus points) and the Citi Premier (110,000 sign on Velocity points (through Pointhacks)). Both cards are connected to NAB.
I don't have a big income but can just reach the minimum required where its stated. I find talking to someone over the phone helps. Sometimes they can be flexible. Its probably easier to be approved when there is no minimum income stated but don't get put off if you don't quite reach it.
I have an excellent credit score which I can see that they check.
I have been knocked back a few times at other banks so I think it does depend on the bank.