I'll be earning fewer FlyBuys. points from now on - the points rate has been decreased from 2 points per dollar to only 1 point per dollar for spending on my National Visa CC, and I'm also using the CC for fewer bill payments since the RBA changed the rules and allowed service providers to "pass on" merchant CC fees. These days you have to check the fine print of any utility bill to confirm if there is a 1% or more fee for making payment via CC.
BankWest sent me a special offer for using my BankWest Zero CC during February, March and April. If I use that CC for at least $500 spending each month I'll be given a $30 credit. That works out to be 2% "cash-back" on that card, compared to the approximately 0.2% value of FlyBuys. points, so for the next three months I'll be using my BankWest CC for at least $500 of my usual bill payments and grocery shopping each month.
As I pay off my CC balances in full each month, none of these CC rewards schemes cost me anything (aside for a low annual account fee for a couple of my CC accounts).
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