I’d like to start by saying a huge thank you to the team at Point Hacks for the incredible content for us to filter through. It can be overwhelming but it certainly is very beneficial.
I am currently using the HSBC Platinum Qantas VISA and have been for the past 12 months.
This is 1 point per dollar spent, $199 annual fee, cut off of 1 point per dollar spent at 2500 points etc. My income is about $70,000 p.a.
I have been purchasing everything on this credit card (fuel, groceries, bills, house renovation supplies, presents, flights, online shopping etc) and paying the monthly balance, but I have a few questions if this is the right card for me:
This card has quite a large international fee (3%), I do buy things online maybe once a month, which incurs a international fee (1 thing I don’t like about the card)
We aim to do 3-5 domestic flights per year and 1 international flight per year. We live in Newcastle, 2 hrs north of Sydney so that is our main airport for smaller flights, but Sydney airports for larger flights.
The 3% international fee, the no travel benefits and the $2500 per month cut off for the 1 point per dollar turns me off this card and I am looking into other cards. I think the main benefit I want out of a card is travel benefits.
If I could have some advice on anyone in a similar situation or some guidance on what they suggest would be the right card for me to look into that would be much appreciated!