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Maximizing Points on Everyday Purchases: A Guide to Strategic Spending

You don’t need to take a dozen flights a year to rack up serious frequent flyer points. In fact, most of the points I help clients earn come from strategically spending on everyday purchases. Whether you're buying groceries, paying bills, or refuelling your car, you're leaving points on the table if you're not doing it smartly.


Step 1: Use the Right Credit Card for Each Category


Not all cards are created equal. Some cards earn double or triple points in certain spending categories.

Here's what to look for:

  • Dining Out: Some cards offer 2–3x points at restaurants.

  • Groceries: Look for cards that reward supermarket spend.

  • Fuel & Transport: Some cards are designed for everyday commuting costs.

  • Online Shopping: Always check if your airline or bank has a shopping portal.


Step 2: Stack Your Rewards


One of the smartest moves? Combining offers. 

For example:

  • Shop through the Qantas Online Mall to earn bonus points.

  • Use a points-earning card at checkout.

  • Apply a promo code or coupon for added savings.

You get the discount and the points. Double win.


Step 3: Pay Bills (and Tax!) with Your Card


Most people don’t realise they can earn points on things like:

  • Utility bills

  • Insurance premiums

  • School fees

  • Even your tax bill (via third-party services like RewardPay or B2Bpay)


Even if you pay a small processing fee, the points earned often outweigh the cost — especially when redeemed for premium travel.


Step 4: Track Your Progress


Use an app or spreadsheet to track where your money goes each month. This helps you:

  • See which categories you spend most in

  • Make sure you're using the right card every time

  • Spot opportunities to shift spend into point-rich areas


Final Thoughts

Smart points earners don’t spend more — they just spend differently. By making a few small adjustments, you could be earning hundreds of thousands of points per year, all without changing your lifestyle. That’s the power of strategic spending.


✈️ Ready to Fly Business or First Class Using Points?


Whether you need expert help booking the perfect reward flight, or want a custom points strategy to earn more and travel better — I’ve got you covered.


👉 Let me book your flights for you — stress-free, maximized value.

👉 Need a strategy? I’ll show you how to turn everyday spending into premium travel.



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