I currently only have a no frills credit card which does not earn any points on spends. I went on a comparison website last night,and had a go of the calculator thing that calculates how many points/what they can be used for based on your monthly spend. My husband and I would spend over 2k a month on work related expenses for our business (materials, petrol eye). Currently we pay for all of these types of expenses with our business debit cards. We also spend $1200 a month on kids school fees. I dont know I I did something wrong with the online calculator, but based on $1000 a month spend it said we would earn 80000 points per year. I looked at the points, and this was enough points for two return trips from Melb to Bali each year- is that right? Seems way too good to be true. The card did have a high annual fee of $450 however that would pay for itself in no time as we usually go overseas 2-3 times a year anyway. I'd like to hear from others that use credit card rewards points and see what they have to say about these.