Thanks mate.. aah yes the 1c/point.My 'calculator' is whether the nett cost per airline point is 1c/$ or less, since I tend to use points at 2c/$-plus (that's the only calculator I use) --- I also take into account interest I will earn on $ if I pay on credit card (rather than eft) into this calculation, as well as any bonus airline points earnt (eg, on sniip) - I know this doesn't exactly answer your question, but it would be relatively easy to create a spreadsheet to work that out.