Thought I'd try and roll a few strategies into the one thread. Taking advantage of the 0% honeymoon periods and the free rollover opportunities is an effective wealth management tool for those who already have the cash to pay for bills/consumer goods but choose to maximise their return on interest for the interest free period by depositing their funds into a high interest bank account such as a mortgage offset account rather than use it to pay for the goods. It's already been discussed here: http://forums.silverstackers.com/topic-63095-balance-transfer-to-offset-account.html Two other strategies I've used included Macquarie Bank's generous offer of cash - $50 for opening an account with them and providing feedback during their beta testing and another $50 for depositing $1000 or more into my account. That's $100 or a 10% return on my $1000 in less than a month. Keep an eye out for other banks offering similar strategies, Macquarie's was the first I'd ever noticed (probably because I was an existing customer), but other institutions may adopt similar strategies. Currently ING Direct is offering $75 as a cash bonus for opening an account. https://www.campaigns.ingdirect.com...010e64-9f37-4972-ba59-d0f377fc8211:Affiliates I've just been given an ANZ Low Rate Platinum credit card, their current offer is a $250 cash back and 0% interest on purchases for 6 months, I've got a bill to pay so instead of using my savings, I'll use the new CC and pay it off in about 5 months times and get an effective $250 discount then I'll chuck the money I have for the bill into the new ING account. More info here: https://www.anz.com.au/personal/cre...latinum/?pid=crc-hb-t-hp-02-17-acq-lowratefee Take your ANZ card into a bullion dealer (or if you're really quick take advantage of eBay's 10% off everything), buy some gold and get $250 knocked off the balance owing, open an ING account, deposit the cash you were going to use to pay for bullion and get $75 for your efforts. All up that's $325 of free money! Just don't forget to pay ANZ back before the 6 month expiry period.