Yeah, it really depends how much people spend per transaction. Under the old scheme, 20 transactions of $100 (=$2,000 in total) would have resulted in 1,400 points, rather than 870 under the new scheme. However, under the old scheme, 40 transactions of $50 each would only have earned only 800 poi...

It depends actually. Some credit card insurance policies require that the whole trip be paid for using that card, but others don't. For example, with Westpac you only have to spend at least $A500 on your prepaid travel costs using the relevant card. So you could certainly use a QF voucher for $50...