Originally Posted by mmonster

thank you all for your responses - and for me, I do not think I will get too much beyond the banked year, I will adjust my credit card though so it will go to other schemes.
I wish NZ does life Gold like QF and good on you @CHCflyer!
The difference for me is if I decide I should hit that bank year where I can use it anytime in the future (but with no roll over) or I will just keep that just within the edge so next year will be a breeze....