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

    American Express Qantas Discovery Card

    Receive up to 1.75 Qantas Points for every $1 spent on Card purchases (T&Cs apply). No annual fee for the life of the card. Credit Card Provider of the Year in the Mozo Experts Choice Awards 2019.^ T&C’s apply.

    Qantas Frequent Flyer

    $0

    No current offer

    0.75 points uncapped

    • -

    • 20.74% p.a.

    • No current offer

    • 44

    • 3.00%

    • $30.00

    • 0.75 points per dollar on Amex, uncapped

    • Never

    • No current offer

    • 8,000 points

    • 110,400 points

    • 18,690 points

    • • Purchase Protection

      • Account alerts by SMS

    Read our Mozo Review to learn more about the Qantas Discovery Card

    Details Close

  • Promoted

    St.George Amplify Platinum

    Earn 60,000 bonus Qantas Points when you spend $2,000 on eligible purchases within 90 days of card approval. New cards only, Eligibility criteria and T&Cs apply. Offer ends September 30th 2020.

    Qantas Frequent Flyer

    $99

    60,000

    0.5 points uncapped

    • -

    • 19.74% p.a.

    • 0% p.a. for 6 months and then 19.74% p.a.

    • 21.49% p.a.

    • 55

    • 3.00%

    • $15.00

    • 0.5 points per dollar on Visa, uncapped

    • Never

    • 60,000

    • 8,000 points

    • 110,400 points

    • 18,690 points

    • • Travel Insurance

      • Extended Warranty

      • Purchase Protection

    Read our Mozo Review to learn more about the Amplify Platinum

    Details Close

  • Promoted

    NAB Rewards Platinum Card

    Up to 60,000 bonus points (T&Cs apply). Also get 1 NAB reward point for every $1 spent on everyday purchases.

    NAB Rewards

    $195

    60,000

    1 point uncapped

    • -

    • 19.99% p.a.

    • 0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

    • 21.74% p.a.

    • 44

    • 3.00%

    • $15.00

    • 1 point per dollar on Visa, uncapped

    • Never

    • 60,000

    • 15,600 points

    • 239,200 points

    • 19,240 points

    • • Concierge

      • Travel Insurance

      • Extended Warranty

      • Purchase Protection

      • Guaranteed Pricing

      • Domestic Hotel Burglary Insurance

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

    Details Close

  • Promoted

    Westpac Altitude Platinum

    Earn 60,000 bonus Qantas Points when you spend $3,000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval. 0% p.a. for 18 months on balance transfers requested at card application. Plus, discounted annual card fee of $99 for the first year. Offer ends November 11th 2020.

    Qantas Frequent Flyer

    $200 $99 in the first year

    60,000

    0.5 points uncapped

    • -

    • 20.49% p.a.

    • 0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)

    • 21.49% p.a.

    • 45

    • 3.00%

    • $15.00

    • 0.5 points per dollar on Mastercard, uncapped

    • Never

    • 60,000

    • 8,000 points

    • 110,400 points

    • 18,690 points

    • • Travel

      • Insurance

      • Extended

      • Warranty

      • Purchase

      • Protection

    Read our Mozo Review to learn more about the Altitude Platinum

    Details Close

  • Promoted

    NAB Qantas Rewards Premium Card

    30,000 bonus Qantas Points when you spend $2,500 within 60 days (T&Cs apply).

    Qantas Frequent Flyer

    $250

    30,000

    0.66 points up to $3,000/month, then
    0.33 points up to $6,000/month

    • -

    • 19.99% p.a.

    • 0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

    • 21.74% p.a.

    • 44

    • 3.00%

    • $15.00

    • 0.66 points per dollar on Visa, up to $3,000 per month, then
      0.33 points per dollar on Visa, up to $6,000 per month

    • Never

    • 30,000

    • 8,000 points

    • 110,400 points

    • 18,690 points

    • • Concierge

      • Travel Insurance

      • Extended Warranty

      • Purchase Protection

      • Guaranteed Pricing

      • Domestic Hotel Burglary Insurance

    Read our Mozo Review to learn more about the Qantas Rewards Premium Card

    Details Close

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