Credit Card Rewards are already falling. Here's how to stay ahead - w/Nicole Pedersen-McKinnon

From 1 October 2026, Australia’s credit card landscape changes significantly. Surcharging will disappear on designated eftpos, Mastercard and Visa payments, while lower interchange fees could put further pressure on credit card bonus points, earn rates and perks. In this episode of the Point Hacks Podcast, Tobias Venus sits down with finance expert and author Nicole Pedersen-McKinnon to unpack what the changes could mean for Australian points collectors. They cover falling sign-up bonuses, reduced earn rates, annual fees and card benefits, why bank change notices matter more than ever, the role of business credit cards, and how too many credit-card applications can affect your credit profile. For anyone earning Qantas Points, Velocity Points or flexible rewards through a credit card, this is a practical guide to understanding the new points landscape. Disclaimer: This episode contains general information only. Consider your own circumstances before applying for or changing a credit product. Point Hacks is affiliated with Pay.com.au. 🎬 Credits: Guest: Nicole Pedersen-McKinnon Produced and hosted by: Tobias Venus Video and audio produced by: TOBY TV PTY LTD | tobytv.com.au 💳 See the latest point earning credit cards here - https://phk.ing/4zxL41h 📊 Running a business? See the full list of available credit cards here - https://phk.ing/45lppvl 💌 Subscribe to our newsletter for the latest reward seat alerts and holiday inspiration - https://phk.ing/4xEkjq1 💵 More from Nicole Pedersen-McKinnon - https://www.nicolessmartmoney.com/ ▶️ Watch Nicole's Minted Kids Podcast here - https://www.youtube.com/@nicolessmartmoney2197 ✈️ Follow PointHacks 👇 TikTok - https://go.pointhacks.com/yt-tiktok Instagram - https://go.pointhacks.com/yt-instagram Facebook - https://go.pointhacks.com/yt-facebook X (formerly known as Twitter) - https://go.pointhacks.com/yt-twitter #pointhacks #frequentflyer #creditcard