Loyalty, from the inside

I build loyalty products for a living. This is my notebook on points, cards and the products behind them, and the playbook I use to turn an economy budget into a business class seat.

Programs I cover

  • Qantas
  • Velocity
  • KrisFlyer
  • Emirates Skywards
  • Hilton Honors
  • Asia Miles
  • Flying Blue
  • IHG One Rewards
  • Turkish Miles&Smiles
  • United MileagePlus
  • British Airways Club
  • Virgin Atlantic Flying Club

Save thousands on your travel.

Airline points

Business to Singapore

182,400 Qantas Points covers a return Business seat with 40k to spare.

Explore the playbook

Learn how to go from 0 → 1 with loyalty.

Explore cards

Compare rewards and frequent flyer credit cards side by side. See each card’s sign-up bonus, everyday earn rate, annual fee and estimated value in one place.

Explore all cards
  • The Westpac Altitude Qantas Platinum

    Westpac Altitude Qantas Platinum (Qantas Frequent Flyer)

    Bonus pointsUp to

    100,000PTS

    70,000 pts after $4,000 in 90 days + 30,000 pts ($4,000 spend within 90 days of first card anniversary). No set end date.
    Earn rateUp to

    0.33PTS

    per $1 spent

    0.75 pts per $1 on international spend0.5 pts per $1 at supermarkets, department stores, petrol stations and utilities0.33 pts per $1 on all other purchases0.2 pts per $1 once spend passes $5,000 in a statement cycle+1 bonus pt per $1 on selected Qantas products in Australia
    Annual fee

    $300

    a year

    Cost per point

    0.43¢

    per point, year one

    How we get to 0.43¢ a pointYear-one points70,000First-year annual fee$300$300 ÷ 70,0000.43¢Lower is better. Year-one points only.
    First year value

    $750 after the first-year fee

    est. value after fees

    How we get to $75070,000 pts × 1.5¢$1,050First-year annual fee−$300First-year value$750Year-one points only: +30,000 pts later ($4,000 spend within 90 days of first card anniversary) aren't counted. Our estimate, not a guaranteed saving.

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  • Everyday Earning

David Jones Rewards: how to get started

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Ask me about loyalty

Got a loyalty question or an idea worth pressure-testing? Use the form, or reach me on LinkedIn.

I usually reply within 2–3 business days.