Interesting thread. I took out a no fee Coles Credit card only because because they offered me $100 to spend in store. Got the card and spent the free bee and then put the card in my draw and didn't use it again for a while. I have a NAB Qantas Platinum Visa and Amex Card. Not only do I pick up Qantas points but I also swipe my flybuys card as well when in Coles, gets points with both. So far I flown for free 4 times with Qantas and accumulated several $100 credits through flybuys. I make a profit out of my NAB credit card as I always pay my outstanding balance at the end of the Month in full. Credit cards can work in your favour if you use it wisely and pay off your balance each Month.