Not every frequent flyer carries credit cards – some people, for varying reasons, choose and use a pre-paid debit card to collect Qantas points.
Right now there are just two options for this: the official Qantas Cash card and the Bankwest Qantas Debit MasterCard.
The former, of course, is your standard Qantas Frequent Flyer card – flip it over and like as not there's a prepaid MasterCard just waiting to be used.
Bankwest's card is yours when you open a free Bankwest Qantas Transaction Account.
The Qantas and Bankwest cards earn Qantas points at different rates – but there's no harm in having both cards in your pocket or purse if you know which one to use, and when.
Bankwest's Qantas Debit Mastercard gives you 5 Qantas points per transaction, so you'll pick up those five points no matter if you spend one dollar or a hundred dollars.
The Qantas Cash card gives you one point for every $2 you spend – or, another way to look at it, half a Qantas point per dollar.
Do the maths and you'll realise that $10 is where things break even between the cards: you'll score the same 5 points for swiping either the Bankwest or Qantas plastic.
Spend less than $10 and the Bankwest card comes out in front because it has a fixed earning rate.
Spend more than $10 and the Qantas Cash card is the winner because the more you pay, the more points you earn.
That means the Bankwest card is best for those small everyday transactions, as long as the retailer allows card or tap-and-go payments under $10 (some cafes don't).
But as soon as your tally at the till edges past $10 it's time to whip out the Qantas Cash card.
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