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apologies - first year fee is waived. (ANZ)

Assuming a business class ticket return to Asia cost (Emirates, JAL, Korean Air, Cathay) like 3-4K - Citibank citibank credit card 60-80,000 points $299 ANZ - fee free - 50,000 (spend $1500 first 3 months) the equilavent would be more than enough to get you a business return to Asia for...

depends if you spend a bit on etc etc. i spend an average of 100-200K per year on the card buying goods to sell etc. and so far i haven't travelled economy in the last 5 years.

outright not upgrade from what i saw in the online system - as long as the flight in the system is there you can also upgrade (guaranteed) but yes there is a risk as assuming you booked economy, you saw the flights available for upgrade was there but by the time you did you economy bookings -...

i just booked one on cathay to seoul (business couple of weeks ago)

www.pointshack.com.au there are actually dedicated forums and people who specialize in strategies to do this.

for upgrades yes there is a risk - for straight up points without upgrade it is guaranteed flight.

actually qantas is the best points systems atm as it is integrated into Oneworld alliance. you can use qantas to book cathay pacific to hong kong, emirates to dubai etc. and the points required is less than what you would use on the airlines loyalty program itself.