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Without fees? Btw i know it's not xmas but http://www.westminsterchristmas.com.au/ couldn't help myself :p

Hi Strannik, Thanks...On another thread i think it was averaged at 1.3 cents per 1 point which btw fits in with your 2 examples roughly. I think the points are more so applicable if your going over seas rather than someone just spending in oz nor considering traveling abroad. There is away to...

http://www.news.com.au/travel/travel-advice/homegrown-tourist-traps-how-to-save-fees-while-overseas/story-fn6yjihw-1226595736134

I didn't want a credit card either but got one recently and get 1 point for each 1$ and overseas 3 points,though i didn't get the card for the points.I weighed it up and seem more practical to have my cash in the offset and use the banks cash during the interest free period.The yearly fee...