Is there any real benefit of establishing FF loyalty program for retiree?

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Thank you for the practical ideas and encouragement. I have worked out that travelling from Asian hub is the way to go in comfort. Last June in the week before Ramadan I learned that Qatar has few passengers from BKK in J and their prices reflected that on fares to Europe at that time. I could also use the AFF Expedia .com.be to get cheap fares to SIN or BKK

. . Must check out one world and see if Air Asia has points with them. Thanks for your encouragement. I want to make sure that I maximize the value of points I earn. I lost my enthusiasm for ANZ AMEX when i realised the 40,000 bonus points cost me $295 a year. Is this a wise evaluation on my part door do you think it would be a wise investment? Thanks for all the good advise. Will re-read Rock's posts again. JoyV

IMHO the value is not that bad. Also keep an eye out for HSBC Platinum Visa sign up bonus (35,000?) for $199pa including 2 free QP passes each year that can be sold for half of what you pay for the CC. If not interested in keeping the card you can always cancel it.
Effectively you could get the points for ~$99 which is very good value.
 
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- Earn 60,000 bonus Velocity Points
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Put it this way, you can't buy 40000 for $295 anywhere else. It would take more effort to accrue that amount of points over a longer period based on average daily spend.
 
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