Nice. Have you had success with Citigroup backed cards in the past? They always decline me and I was eyeing up this Suncorp one.
Slightly off topic but... I've never had a close look at the Suncorp cards, but it appears their is no 12 month exclusionary period. The current offer is 100,000 points for a $64 annual fee, which is incredibly tempting for 40,000 KF points.I applied for the Suncorp one during the 130k bonus period, which ended Aug 31st.
I was lucky by the sound of it - all went smoothly and they awarded the bonus points imeadiately and im ready to cancel after 5 weeks... I am short of KF points for the itinerary I want, and I need to make a booking by April when they expire so it looks like I will be forced to book JI applied for the Suncorp one during the 130k bonus period, which ended Aug 31st. I applied mid August and it took nearly 3wks for them to approve it, after many phone calls they had my wrong birthday and needed so much financial documentation that i was hesitant to provide out of principal, next they would want to know if im circumcised.
Finally was approved and card arrived 3 days ago, but boy do i hate the Citibank system, so dated, lacking of features etc. Luckily all Citi related products (Suncorp, Virgin Money etc) are all churn cards so i dont have to endure their coughpy system for too long.
Institution | Product | Annual Fee | Bonus | Minimum Credit Limit | Conversion to Velocity | Conversion to Krisflyer | Bonus | Bank Group | White-Labelled |
AMEX | Platinum | $1,450 | 225,000 MR | $15,000 | 112,500 | 112,500 | See Below table for perks | | |
AMEX | Explorer | $395 | 70,000 MR | $6,000 | 35,000 | 35,000 | $400 travel credit Centurion lounge x2 Melb/Syd | | |
AMEX | Velocity Platinum | $375 | 70,000 Velocity | $6,000 | N/A | 45,161 | Return domestic flight 2x Virgin Lounge passes | | |
HSBC | $0 (targeted link) | 120,000 Rewards Plus | $6,000 | 60,000 | 60,000 | | | | |
Amplify Platinum | $49 | 90,000 Amplify | $6,000 | 45,000 | 45,000 | | Westpac, BOM | | |
St George | Amplify Signature | $199 | 150,000 amplify | $15,000 | 75,000 | 75,000 | Westpac, BOM | | |
ANZ | Platinum | $45 (+$50 rebate) | 80,000 ANZ Points | $6,000 | 40,000 | 26,500 | | | |
ANZ | Black | $225 (+$150 rebate) | 180,000 ANZ Points | $15,000 | 90,000 | 60,000 | | | |
NAB | Platinum | $95 | 60,000 Rewards Points | $6,000 | 30,000 | 20,000 | | | |
NAB | Signature | $195 | 100,000 (first year) | $15,000 | 50,000 | 33,000 | | | |
Westpac | Altitude Platinum | $0 | 100,000 Altitude Points | $6,000 | 50,000 | 33,000 | | St George, BOM | |
Westpac | Altitude Velocity Platinum | $49 +$75 Velocity Program Fee | 70,000 Velocity | $6,000 | 70,000 | 45,000 | | St George, BOM | |
Westpac | Altitude Velocity Black | $150 +$75 Velocity Program Fee | 90,000 Velocity (1st Year) | $15,000 | 90,000 | 58,000 | Some economy upgrades and domestic lounge passes | St George, BOM | |
Rewards Mastercard | $99 + $99 (2nd year) | 100,000 Flybuys | | 50,000 | 32,500 | No conversion fees for overseas purchases | | |
amazing post mate, thank youJust want to update this thread, as I now have booked a RTW (SYD-HND/NRT-MEX-PTY-CNF/GRU-IST-xJED-BKK-MEL) using my 280k KF miles and have 1 point left in my account
I actually didn't have enough KF miles until I transferred a chunk of spare Velocity miles @ 1.55:1 so for something like AMEX Explorer instead of 70,000 MR points (=35,000 KF), you can get AMEX Velocity Platinum which will give you 45,000 KF.
Lenders are tightening sign-up offers with reduced bonuses and bait and switch headlines which actually split the bonus over two years.
Lenders are also rejecting applications more, for no reason that can be determined (good income, good credit score).
I was rejected twice, six months ago, by Citi for the Prestige card and by Westpac for a card I had in the past (Altitude Black). I'm now going to start applying again (fingers crossed). My first rule is avoid NAB/Citi cards unless I have already hit three other card promos and want to test my luck.
Co-branded and white label products from NAB/Citibank include Coles, BOQ, Virgin Money, Suncorp, Kogan, Qantas, Paypal.
AMEX, HSBC and St George are the only ones that have 2:1 conversion rate to KF.
Please note HSBC is a targeted link, you need an account. I've had the email before with the offer but link has expired. There is an active link from Ozbargain but can't confirm it works: HSBC Platinum Credit Card: $0 Fees for First Year, 120,000 Rewards Plus Pts After $3000 Spent in 90 Days, 0% Balance Transfer
This is not an exhaustive list (I don't have ABN) but it's pretty good:
Institution Product Annual Fee Bonus Minimum Credit Limit Conversion to Velocity Conversion to Krisflyer Bonus Bank Group White-Labelled AMEX Platinum $1,450 225,000 MR $15,000 112,500 112,500 See Below table for perks AMEX Explorer $395 70,000 MR $6,000 35,000 35,000 $400 travel credit
Centurion lounge x2 Melb/Syd AMEX Velocity Platinum $375 70,000 Velocity $6,000 N/A 45,161 Return domestic flight
2x Virgin Lounge passes HSBC $0 (targeted link) 120,000 Rewards Plus $6,000 60,000 60,000 Amplify Platinum $49 90,000 Amplify $6,000 45,000 45,000 Westpac, BOM St George Amplify Signature $199 150,000 amplify $15,000 75,000 75,000 Westpac, BOM ANZ Platinum $45 (+$50 rebate) 80,000 ANZ Points $6,000 40,000 26,500 ANZ Black $225 (+$150 rebate) 180,000 ANZ Points $15,000 90,000 60,000 NAB Platinum $95 60,000 Rewards Points $6,000 30,000 20,000 NAB Signature $195 100,000 (first year) $15,000 50,000 33,000 Westpac Altitude Platinum $0 100,000 Altitude Points $6,000 50,000 33,000 St George, BOM Westpac Altitude Velocity Platinum $49 +$75 Velocity Program Fee 70,000 Velocity $6,000 70,000 45,000 St George, BOM Westpac Altitude Velocity Black $150 +$75 Velocity Program Fee 90,000 Velocity
(1st Year) $15,000 90,000 58,000Some economy upgrades and domestic lounge passes
St George, BOM Rewards Mastercard $99 + $99 (2nd year) 100,000 Flybuys 50,000 32,500 No conversion fees for overseas purchases
AMEX Platinum Perks (thanks to Ozbargainer, I stole this list)
Fine hotels and resorts, not applicable to me as only 5* hotels: An introduction to American Express Fine Hotels + Resorts
$200 Local Dining credit (worth $200)
* $200 Global Dining credit (worth $200)
* Accor plus membership with 1 free hotel night (worth $399)
* $450 travel credit (worth $450)
* Up to $84 amazon prime membership cashback (worth $79 for annual membership)
* 2 x Unlimited Priority Pass card (exclude restaurants credit) (worth $400)
* Unlimited access to AMEX centurion lounges
* Unlimited access to Virgin Domestic lounges
* Unlimited access to Plaza Premium lounges
Plus the below nice to have offer (which I don't use much):
* The Australian Premium subscription ($7/week = $364)
* $75 x 2 NET-A-PORTER and MR PORTER credit (worth $150)
* Hotel Elite Status: Hilton Honors Gold status, Marriott BonvoyTM Gold status, Radisson Rewards Premium status
All of these are on top of the new card holder bonus
So if you travel quite often, just the lounges access, hotel statuses and dining credit already well worth the $1450
So which is best?
1) AMEX Platinum for sure with the perks
2) St George Signature however 12k spend is a killer for some
3) HSBC Platinum slots in here for $0 fee and higher conversion rate, it's a no brainer. Followed closely by St George Platinum.
4) ANZ Black and Westpac Altitude Velocity Black are on par, Westpac is slightly ahead if you want Velocity not KF, plus some economy upgrades.
5) Citi, Virgin, Suncorp cards not listed in table fit in here. Of course they would be higher for some people, I've had Virgin, Suncorp card before the crunch but you've been warned.
So with zero cards in my wallet, I can hit the AMEX, HSBC + St George Platinums for $1528 in fees, and when I hit the bonuses, I will have about 230k in Krisflyer miles, nearly enough for my next RTW
Final notes, I'm going through my old Onenote pages and found that there is a hack where you can apply for AMEX platinum edge card and get the operator to merge your accounts because "it's too difficult to manage both sets of points and rather have them all in one spot". Apparently Edge card allowed 1:1 transfers to KF, but I'm not 100% if this is still true or how it works.
Great post. Out of interest what is availability like on krisflyer / was it hard to find the routes you wanted for your RTW trip?Just want to update this thread, as I now have booked a RTW (SYD-HND/NRT-MEX-PTY-CNF/GRU-IST-xJED-BKK-MEL) using my 280k KF miles and have 1 point left in my account
I actually didn't have enough KF miles until I transferred a chunk of spare Velocity miles @ 1.55:1 so for something like AMEX Explorer instead of 70,000 MR points (=35,000 KF), you can get AMEX Velocity Platinum which will give you 45,000 KF.
Lenders are tightening sign-up offers with reduced bonuses and bait and switch headlines which actually split the bonus over two years.
Lenders are also rejecting applications more, for no reason that can be determined (good income, good credit score).
I was rejected twice, six months ago, by Citi for the Prestige card and by Westpac for a card I had in the past (Altitude Black). I'm now going to start applying again (fingers crossed). My first rule is avoid NAB/Citi cards unless I have already hit three other card promos and want to test my luck.
Co-branded and white label products from NAB/Citibank include Coles, BOQ, Virgin Money, Suncorp, Kogan, Qantas, Paypal.
AMEX, HSBC and St George are the only ones that have 2:1 conversion rate to KF.
Please note HSBC is a targeted link, you need an account. I've had the email before with the offer but link has expired. There is an active link from Ozbargain but can't confirm it works: HSBC Platinum Credit Card: $0 Fees for First Year, 120,000 Rewards Plus Pts After $3000 Spent in 90 Days, 0% Balance Transfer
This is not an exhaustive list (I don't have ABN) but it's pretty good:
Institution Product Annual Fee Bonus Minimum Credit Limit Conversion to Velocity Conversion to Krisflyer Bonus Bank Group White-Labelled AMEX Platinum $1,450 225,000 MR $15,000 112,500 112,500 See Below table for perks AMEX Explorer $395 70,000 MR $6,000 35,000 35,000 $400 travel credit
Centurion lounge x2 Melb/Syd AMEX Velocity Platinum $375 70,000 Velocity $6,000 N/A 45,161 Return domestic flight
2x Virgin Lounge passes HSBC $0 (targeted link) 120,000 Rewards Plus $6,000 60,000 60,000 Amplify Platinum $49 90,000 Amplify $6,000 45,000 45,000 Westpac, BOM St George Amplify Signature $199 150,000 amplify $15,000 75,000 75,000 Westpac, BOM ANZ Platinum $45 (+$50 rebate) 80,000 ANZ Points $6,000 40,000 26,500 ANZ Black $225 (+$150 rebate) 180,000 ANZ Points $15,000 90,000 60,000 NAB Platinum $95 60,000 Rewards Points $6,000 30,000 20,000 NAB Signature $195 100,000 (first year) $15,000 50,000 33,000 Westpac Altitude Platinum $0 100,000 Altitude Points $6,000 50,000 33,000 St George, BOM Westpac Altitude Velocity Platinum $49 +$75 Velocity Program Fee 70,000 Velocity $6,000 70,000 45,000 St George, BOM Westpac Altitude Velocity Black $150 +$75 Velocity Program Fee 90,000 Velocity
(1st Year) $15,000 90,000 58,000Some economy upgrades and domestic lounge passes
St George, BOM Rewards Mastercard $99 + $99 (2nd year) 100,000 Flybuys 50,000 32,500 No conversion fees for overseas purchases
AMEX Platinum Perks (thanks to Ozbargainer, I stole this list)
Fine hotels and resorts, not applicable to me as only 5* hotels: An introduction to American Express Fine Hotels + Resorts
$200 Local Dining credit (worth $200)
* $200 Global Dining credit (worth $200)
* Accor plus membership with 1 free hotel night (worth $399)
* $450 travel credit (worth $450)
* Up to $84 amazon prime membership cashback (worth $79 for annual membership)
* 2 x Unlimited Priority Pass card (exclude restaurants credit) (worth $400)
* Unlimited access to AMEX centurion lounges
* Unlimited access to Virgin Domestic lounges
* Unlimited access to Plaza Premium lounges
Plus the below nice to have offer (which I don't use much):
* The Australian Premium subscription ($7/week = $364)
* $75 x 2 NET-A-PORTER and MR PORTER credit (worth $150)
* Hotel Elite Status: Hilton Honors Gold status, Marriott BonvoyTM Gold status, Radisson Rewards Premium status
All of these are on top of the new card holder bonus
So if you travel quite often, just the lounges access, hotel statuses and dining credit already well worth the $1450
So which is best?
1) AMEX Platinum for sure with the perks
2) St George Signature however 12k spend is a killer for some
3) HSBC Platinum slots in here for $0 fee and higher conversion rate, it's a no brainer. Followed closely by St George Platinum.
4) ANZ Black and Westpac Altitude Velocity Black are on par, Westpac is slightly ahead if you want Velocity not KF, plus some economy upgrades.
5) Citi, Virgin, Suncorp cards not listed in table fit in here. Of course they would be higher for some people, I've had Virgin, Suncorp card before the crunch but you've been warned.
So with zero cards in my wallet, I can hit the AMEX, HSBC + St George Platinums for $1528 in fees, and when I hit the bonuses, I will have about 230k in Krisflyer miles, nearly enough for my next RTW
Final notes, I'm going through my old Onenote pages and found that there is a hack where you can apply for AMEX platinum edge card and get the operator to merge your accounts because "it's too difficult to manage both sets of points and rather have them all in one spot". Apparently Edge card allowed 1:1 transfers to KF, but I'm not 100% if this is still true or how it works.
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Something I found since I posted is that the HSBC points can only be used to redeem for gift cards and not for transfer to airline reward programs so it should be removed from the table.
It never is easyIt was extremely hard to find availability although I was able to change my route to when I liked better but at all times it is an incredible amount of hard work.
Something I found since I posted is that the HSBC points can only be used to redeem for gift cards and not for transfer to airline reward programs so it should be removed from the table.
Yeah I think they can tbh, unless we can see evidence to the contrary?oh you got to be kidding me...not even to velocity???
edit: I can see that Platinum can reedem velocity though?
My question still remains, is it targeted, or can anyone with a HSBC account get the bonus?oh you got to be kidding me...not even to velocity???
edit: I can see that Platinum can reedem velocity though?
My question still remains, is it targeted, or can anyone with a HSBC account get the bonus?
Yeah time to find an alternativeIn another forum a user has linked that from 31/07 St G and Amplify will convert at 3:1 from the current 2:1
Yes, but what is the alternative? I have the Amex Explorer, but lots of places don't accept Amex. The Amplify was my go to in those situations. Now it is very slim pickings indeed going by the table previously posted.Yeah time to find an alternative