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Credit Card Churning Framework

Strategic rotation framework: Prioritize "Black/Signature" tier cards for 130k+ pts. Key exclusion rules vary by issuer. Fee arbitrage possible via pro-rata refund negotiation upon bonus capture.

Points Earned

Cost Per Point

N/A

Deal Score

58/100

Cost Breakdown

Total Cost (AUD)$0.00

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Quick Info

CountryAU

Card Typepersonal

Started11 Feb 2026

First Seen08 Feb 2026

Last Updatedabout 2 months ago

Notes

Strategic rotation framework: Prioritize "Black/Signature" tier cards for 130k+ pts. Key exclusion rules: ANZ and NAB = 12-month (no bonus if held rewards product in prev 12 months). Qantas Money = 24-month reset. Fee arbitrage: negotiate pro-rata refunds via live chat upon bonus capture. Maintain 3-6 month clean window before mortgage applications.