40 000 Qantas pts+ some insurance cover and some other small perks with no annual fee is pretty good. EXCEPT..

It’s with Citibank/ Qantas. I applied for their 75k product ($149 annual) 1 month ago. Still waiting..plenty of info on ozbargain about that product. Prepare yourself for a plethora of calls asking for the same thing over and over.

They say no exclusions on bonus spend, but plenty on normal spend (they want you to cancel after 2 months it would seem!)

*Note $2000 per month first 2 months required. $35 min income. No lounge passes as with the 75k Premier Platinum product.

**Hire car excess reduction cover is only 3k, not the full 5-6k of others.