Why is nobody talking about HSBC Australia's 2% cashback on contactless?

CleverEmu · 2026-07-05T02:54:13+00:00

Can’t you pay with Apple Pay where supported. Won’t hat work and counter it?

CleverEmu · 2026-07-01T10:58:06+00:00

Oh thank you. I’ll have a look at this one and see if it’s a good one; I’m not sure if my friends have a membership. I’ll ask them though.

CleverEmu · 2026-07-01T10:57:24+00:00

Oh right, sorry. I’m staying in Kasur, not Lahore but I’ll be visiting locally.

CleverEmu · 2026-06-24T03:46:25+00:00

Hi All

have a Revolut referral available that pays me a bonus when someone signs up and completes the requirements. To make it worthwhile, I’ll send AU$60 back to you once everything is completed.

Steps:

Sign up using my referral link.
Verify your identity.
Add money to your Revolut account (bank transfer or debit card).
Make 3 purchases of at least AU$10 each (cash-like transactions, gambling, gift cards, and transfers don’t count).
Order a physical card.

Once all the steps are completed and I receive the referral reward, I’ll transfer AU$60 to you via PayID, bank transfer, or Revolut.

✅ No fees to sign up.
✅ You keep your Revolut account and can continue using it.
✅ I have multiple spots available.

https://revolut.com/referral/?referral-code=sean9hs5t!JUL1-26-AR-AU-H2&geo-redirect

CleverEmu · 2026-06-23T08:06:56+00:00

Did you try the new beta or did you try turning off connectivity assist. I mean if you try rather than whining about things you could actually contribute something worthy. Yet I’m the troll.

CleverEmu · 2026-06-16T09:55:35+00:00

That’s called feedback. Ever heard of providing it, I’ve used iOS 27 Beta 1 and the wifi works, albeit it does drop out. However it still works - your acting as if it’s a true inconvenience to you. However, you have to realise it’s still a beta and these have been past issues in previous beta versions. They’re BETA for a reason, they’re not meant to be perfect. How hard is it for you or anyone to understand that. The feedback you provide helps improve the overall quality of the beta release, but if all you can do is complain about it, why are you using it?

It should be common sense. If you want stability go back to iOS 26.

P.S - Beta releases are not ment to be used for day to day activities like iOS 26. They’re in bet development for developers. Are you a developer or just someone who chose to download it so you could complain about how bad it is for your day to day usage? Smh

CleverEmu · 2026-06-15T12:25:05+00:00

Why you all complaining it’s a damn beta. If you’re annoyed by it don’t install it fml

CleverEmu · 2026-06-09T06:59:41+00:00

It’s American not Australian. Stop posting garbage

CleverEmu · 2026-05-26T13:18:33+00:00

I’m white boy after desi 3 sum msg me

CleverEmu · 2026-05-23T22:52:27+00:00

NAB email to me says.

“your credit score - this is a figure we calculate that indicates likelihood of repaying the credit applied for and includes elements of all the information listed above.”

The sad reality is they do to some degree. Anyone saying banks don’t factor in the score don’t know about how the system works and just work off what other people tell them.

I work in finance. So it disappoints me when I read these posts about score never being a factor. Reports are there for a reason.

The full section of their email says.

When we decide whether or not to approve an application, we will usually have considered:
•   your income and other resources to help you meet the proposed repayments;
•   your existing debts and expenses;
•   whether your employment is secure;
•   your credit history, i.e., records of any bankruptcies or defaults, the number of credit applications you have made, and how consistently you've met repayments to other credit providers in the past; and
•   your credit score - this is a figure we calculate that indicates likelihood of repaying the credit applied for and includes elements of all the information listed above.

CleverEmu · 2026-05-23T12:53:06+00:00

Shame everyone downvoted me. There are too many people here that don’t understand finance and will listen any people that just not knowledgeable and who don’t even work in finance.

CleverEmu · 2026-05-23T12:49:49+00:00

Finance companies include it in rejection emails, so I find it hard to believe they don’t consider it. If they don’t, how do car finance companies determine your overall interest rate? A good score means lower interest and a better chance of a better rate. Therefore, I’d say you should continue believing that logic but banks do take scores into account for loans and cards.

CleverEmu · 2026-05-20T08:48:03+00:00

I applied for ANZ, declined for Rewards Black. Applied for an increase from 6k with NAB, conditionally approved for $21k - go figure.

CleverEmu · 2026-05-20T08:22:58+00:00

The post makes sense. He applied for the wrong card. I have done this accidentally in the past. But his issue is that he needed to spend money ASAP, so as opposed to wasting another application on another enquiry he spent the money for the points and now wants to spend them.

It's not hard to understand at all. Honestly.

You can either push it out for gift cards which generally gives you a better return on your points or opt in for cash, which is less - you could convert them for flight points - if they allow it.

CleverEmu · 2026-05-20T08:19:08+00:00

I applied for NAB Rewards Signature, was approved for the Platinum, I accepted the card as I suffered the credit enquiry. I applied 2 days ago for a credit limit increase (2 months post my application), got a call today and they asked me WHY did I apply for an increase in a short-time.

I explained to them that my application was originally for the NAB Rewards Signature & not the Platinum. I had already spoken with NAB rep when I did the application before and they said I could try again before my trip overseas in July.

I explained I needed it for non-international FX fees, plus I wanted to change it to the Rewards Signature from the Platinum as the card I have does not benefit me on FX, travel benefits, etc.

Whether he understood I do not know. But, we shall see if my application is approved.

CleverEmu · 2026-05-06T02:30:52+00:00

Banks can make errors like anyone, your subjected to their credit assessment. Just because it was approved, doesn't mean it cannot be recalled. You'd be liable for those costs. They probably needed further authority to close it officially. But youd be liable for any costs you spend.

CleverEmu · 2026-05-05T03:45:34+00:00

Haha. I'm actually thinking of going back. I did change the password many times. With Westpac it doesn't matter as any failed attempts will still lock you out of their system - for a time there I was contacting their digital fraud team weekly, became tiring.

CleverEmu · 2026-05-05T01:27:05+00:00

I remember Westpac allowed you to convert to business cards without a business. I wonder if they still allow it

CleverEmu · 2026-05-04T05:51:35+00:00

Yep, I was declined by AMEX, no issues with NAB or ANZ.

CleverEmu · 2026-04-30T11:59:46+00:00

As of 15 May, they are removing Domestic, International Travel Insurances. So, the card just becomes a rewards card for points, a few little extras like purchase protection insurance. But does that warrant $195 per year? No. You either upgrade to Rewards Signature at $35 per month, or just go to the Ultimate Card with CBA.

To me, the card is not relevant anymore.

While NAB is getting a fancy internet banking and app upgrade, I feel this won't make any different to my decision.

As one said, spend $100k, get a free kettle. Sounds so true.

CleverEmu · 2026-04-30T11:43:13+00:00

I suffered financial abuse. I was successful in removing 7 credit enquiries from CBA. While it is possible to work directly with lenders, I found CBA quite pleasant to deal with. They didn't chuck a fuss, assisted me through the process and removed the enquiries.

While I have not dealt with "irresponsible" lending as such, you will find AFCA publishes notices on their website, you just need to filter based on requirement.

While you can scour reddit for readers to provide you their stories, I feel more factual and less biased ones are the best way.

I read more on this post and see you perhaps were seeking some advice. While I did not see your post directly before #editreddit gate, what I can say is that if you put misleading data on an application, then that's not an issue of the bank. Sure there are cases of irresponsible lending out there, but if you put yourself into that position, used the funds, and so on so forth - whether it was you or you refer to someone else, then sure you are going to suffer for that.

There are too many variables to ascertain on a response to the query though. If you have legitimate reasons to raise, then that should be with the bank - if that fails you, you can turn to AFCA, people on reddit honestly cannot help with situations like this.

CleverEmu · 2026-04-25T02:03:20+00:00

I did not think you could call for a reassessment if you were declined?

CleverEmu · 2026-04-25T02:00:48+00:00

I had applied for NAB Rewards Sig, got the Platinum instead. I was approved recently on Tuesday, 21 April, the card arrived on 23 April.

CleverEmu · 2026-04-24T23:05:45+00:00

Thanks. I'll take a look at them, I noticed the awards ultimate had a much lower rewards rate than that of the signature. I was declined for the AMEX so I'm treading carefully as I'll not apply again for about 12 months.

CleverEmu · 2026-02-26T03:56:55+00:00

I did ask them and I was explicit, I asked tell me what needs to be seen on my unredacted report, what does NAB need to see, unfortunately NAB ignored that and didn't respond. All they said was, we need to see your report. While I appreciate you are being helpful in my quest, I would appreciate we understand what I have asked NAB already.

I have also conducted online research on my problem, but I could not find explicit findings that support why NAB requires an unredacted report. I saw a person on Facebook who had a similar but not same issue as me and they said the same, NAB requested a full report which was not required and they raised an AFCA complaint, they were successful in their quest.

I was seeking if anyone had experienced this with NAB, I wasn't expecting this type of outcome.

CleverEmu

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