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Many years ago i was being slugged the ff annual fee and a rate from anz to hyperlink my gold cr card. Approx $2 hundred/12 months. With qantas being my non-preferred provider i dumped this as being very high priced. What saved my factors turned into the woolies reward card. It's unknown to me if that bank still charges for (now platinum) cc. It prices me $50 to have them carried out to my citibank card for the yr and i am getting lower back at least $500 from points to save with. I exploit my cc for everything. Round 35000 factors for $250 i assume.