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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
0
Cost Per Point
N/A
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 Updated3 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.
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