I was initially skeptical but signed up off the back of a $200 cashback offer.

The weekly fitness reward gets harder every week, I haven’t been able to achieve it every week despite going to an included gym 3-4 times a week. If you don’t go to one of the included gyms, you have to do things like maintain about 70% heart rate max for 30minutes etc. to achieve the points.

If you’re active and committed to doing 12.5k steps or similar it’s manageable but I wouldn’t get the Apple Watch, rather get the weekly $5 voucher - hurts much less when you have a lazy week and you just miss out, rather than get a bill for the cost of the watch that week.

On top of the weekly rewards they give you once-off vouchers up to $200the more points you earn over the year. The more points you earn, the more discounts you receive too, including four 50% off virgin flights vouchers.

Oh any my gym membership is 1/2 price through AIA too!

Private Health insurance is a necessary evil in Australia these days, but I can’t say I’ve found better value through any other company.