Also preferential fees available for some people - know a mate who is a member of a certain legal society who used to get a free Amex Gold, and has been offered this for $295.

Spitting that they want me to pay $395 -- still cheaper than a return Red E-deal Syd-Per by a big margin

I've enquired re the Insurance package - seems reasonably comprehensive - Emerg Medical to $2.5mm, Baggage / goods to $10k -- however does require the entire fare to be charged.
Still trying to get to the bottom of whether this includes situation where fare bought on points but taxes paid by the card (entire cash payment is still on the card)