Point blitzing tips from Australia’s top rewards points gurus

Ben Tosi

06 Dec 2017

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Points, glorious points. It is a pretty satisfying feeling of boarding a flight entirely fueled by rewards card points. But with the value of rewards cards generally on the decline, you may be one of the many Australians who now aren’t getting that feeling often enough.

So to help you boost your points pile and squeeze every last ounce of value out of your favourite piece of plastic, we’ve tracked down some of Australia’s top rewards points gurus, getting their top tips and tricks so that you can set yourself up for a load of free travel once the new year rolls around.


Steve Hui, iFLYflat

First up is rewards points expert and founder of IFLYflat, Steve Hui, who says that, when it comes to earning points, we should go with the approach that no purchase is too small.

“The number one tip is that you have to use your card to earn points. Some people might feel like the item is too small - say if it is just a $3 coffee - but when you add all of those points up it could tally up to hundreds of points each week,” said Hui.

And once you’ve stashed up enough rewards points to fund a flight, it’s all about understanding which ticket will offer you the best value overall.

“I always recommend that Aussies use their points to book business because you’re getting more value out of each point,” he said.

“For example, to fly business to LA might cost you around $6,000AUD but you’ll only need to spend 192,000 points which works out at roughly 3 cents per point. Compare that to an economy flight which will cost you around $1,000AUD but 96,000 points - by booking business you’re really maximising every single point you’ve earned.”


Matt Graham, Australian Frequent Flyer Forum

Matt Graham is the editor of the Australian Frequent Flyer Forum and has seen a fair few rewards tips flying around the online chatrooms during his time.

“My number one tip is to take advantage of bonus offers when you sign up, even if there is a minimum spend attached,” said Graham.

“For example, at the moment the NAB Qantas Rewards Signature Card comes with 100,000 bonus points and with that you can get a return trip to somewhere like Indonesia or Bali - just by getting the card.”

When it comes to booking your flight, it isn’t always easy to nab a seat going to your desired destination and it is far less likely when you only have one airline to choose from. To remedy this, Graham recommends you look out for rewards cards that will allow you to transfer your points to a number of frequent flyer programs.

“A lot of cards will lock you into a particular program - so you’re only earning Qantas Points or Velocity Points - but some cards will give you the flexibility to earn rewards points and then transfer them into a program so that you can actually get a flight to where you need to go.”


Kathryn Drew, Head of Loyalty and Airline Co-Brand Partnerships for Australia & New Zealand, American Express

The king of credit cards, American Express took out Mozo’s Credit Card Provider of the Year gong in October after winning an astonishing 11 Experts Choice Awards.

With that kind of a track record, Kathryn Drew weighed in on how Aussies can make the most of their plastic during the festive period, and this one involves food!

“Offer to pay the bill when you’re out with friends – for example at a restaurant – on your own credit card or mobile wallet (Apple Pay, Samsung Pay and Android Pay) and simply ask your fellow guests to pay you their portion. That way, you earn a higher number of reward points without spending more yourself,” she said.

While points are the major appeal for rewards card holders, Drew gave a friendly reminder of the other travel freebies up for grabs that you should definitely take advantage of abroad.

“Think about the extra benefits that a card can offer you – free travel insurance or mobile phone screen protection could save you hundreds of dollars a year, while VIP access to airport lounges or entertainment venues is pretty hard to put a price on!”


Nathan Warne, Mozo

Last but not least, Mozo’s resident points guru Nathan Warne gave us a timely reminder of the extra points that you could be collecting when shopping online.

“A lot of rewards programs will give you bonus points for heading to one of their retail partners’ sites via an online portal. For example, you can rack up 5 bonus Qantas Points per dollar spent simply heading to THE ICONIC via the Qantas Online Mall - just have your membership details ready.”

While the temptation to splash your points stash on some retail goods is strong at this time of year, Warne says you’re better off saving them for when it is time to book a flight.

“It might take some planning, but try your best to use your points for flights because they represent the most value. 300,000 rewards points might not even get you a new flat screen television on some rewards programs, but it could get you a first class ticket to London.”

If you’re after a card that’ll help you fund your next family holiday you can check out a some of the popular options right now. But if you want to see more, head to Mozo’s rewards card hub to discover a range of powerful point collectors.

Start earning points today - rates updated daily

  • Promoted

    Apply By 31 October 2019

    Qantas Money Qantas Premier Platinum

    Receive up to 120,000 points (20,000 points each month for the first 6 months when spending more than $1.5k each month). $50 Wine voucher & 0% p.a. on balance transfers for 18 months.

    Qantas Frequent Flyer

    $299 $199 in the first year

    120,000

    1 point up to $10,000/month, then
    0.5 points uncapped

    • -

    • 19.99% p.a.

    • 0% p.a. for 18 months and then 21.99% p.a.

    • 21.99% p.a.

    • 55

    • 3.00%

    • $30.00

    • 1 point per dollar on Mastercard, up to $10,000 per month, then
      0.5 points per dollar on Mastercard, uncapped

    • Never

    • 120,000

    • 8,000 points

    • 120,000 points

    • 17,120 points

    • • Concierge

      • Travel Insurance

    Read our Mozo Review to learn more about the Qantas Premier Platinum

    Details Close

  • Promoted

    Apply By 30 June 2019

    Woolworths Everyday Platinum Credit Card

    Perfect for practical spenders, pay no annual fee in the first year and save up to $50 on your Woolies shop each month. Plus new cardholders can score a $50 Woolies eGift Card when you spend $150 a month for the first 3 months. Apple Pay available. Too easy!

    Woolworths Shopping Cards

    $49 $0 in the first year

    No current offer

    1 point uncapped

    • -

    • 19.99% p.a.

    • 0% p.a. for 14 months and then 21.99% p.a.

    • 21.99% p.a.

    • 55

    • 3.00%

    • $35.00

    • 1 point per dollar on Visa, uncapped

    • Never

    • No current offer

    • -

    • -

    • 20,000 points

    • • Concierge

      • Purchase Protection

    Read our Mozo Review to learn more about the Everyday Platinum Credit Card

    Details Close

  • Promoted

    CUA Platinum Credit Card

    0% p.a. balance transfer, $0 annual fee for the first year and also receive 1 rewards point for every dollar spent. Concierge service and purchase protection insurance.

    Life Rich Rewards

    $149 $0 in the first year

    No current offer

    1 point up to 100,000 points/year

    • -

    • 19.99% p.a.

    • 0% p.a. for 13 months and then 21.74% p.a.

    • 21.74% p.a.

    • 55

    • 3.40%

    • $12.50

    • 1 point per dollar on Mastercard, up to 100000 points per year

    • Never

    • No current offer

    • -

    • -

    • 25,000 points

    • • Concierge

      • Travel Insurance

      • Purchase Protection

    Read our Mozo Review to learn more about the Platinum Credit Card

    Details Close

  • Promoted

    Apply By 31 December 2019

    Citi Platinum

    0% per annum for 13 months on purchases and balance transfers. Low Annual Fee at $49 for the first year then $149 each year after. Complimentary International Travel Insurance.

    Citi Rewards

    $149 $49 in the first year

    No current offer

    1 point up to $10,000/month

    • 0% p.a. for 13 months

    • 20.99% p.a.

    • 0% p.a. for 13 months and then 21.74% p.a. (1.00% balance transfer fee)

    • 21.74% p.a.

    • 55

    • 3.40%

    • $30.00

    • 1 point per dollar on Visa, up to $10,000 per month

    • Never

    • No current offer

    • 19,500 points

    • 299,000 points

    • 18,900 points

    • • Concierge

      • Travel Insurance

      • Extended Warranty

      • Purchase Protection

    Read our Mozo Review to learn more about the Platinum

    Details Close

  • Promoted

    Hot Deal Bonus Points Offer

    American Express Velocity Platinum Card

    Receive up to 100,000 bonus Velocity Points when you apply by 15 July 2019, are approved and meet the minimum spend criteria – that’s 25,000 points for each month you spend $1,000 in the first 4 months. Enjoy a complimentary domestic return flight with Virgin Australia to selected cities, each year after your first card spend. Credit Card Provider of the Year in the Mozo Experts Choice Awards 2018.^

    Velocity Frequent Flyer

    $375

    100,000

    1.25 points uncapped

    • -

    • 20.74% p.a.

    • 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    • 55

    • 3.00%

    • $30.00

    • 1.25 points per dollar on Amex, uncapped

    • Never

    • 100,000

    • 7,800 points

    • 119,600 points

    • 19,500 points

    • • Travel Insurance

      • Purchase Protection

      • Account alerts by SMS

    Read our Mozo Review to learn more about the Velocity Platinum Card

    Details Close

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