Don't worry, Mr Roo, there are still collectors of QF FF Points. I even have a few littering my AMEX monthly statement (but the VS +20% bonus offer does sound tempting for the next freebie HKG or LHR flight).

Mrs og has the CommBank MC with ff point option. She is accepting of it. CommBank have waved the draconian fees for mssed payments or incorrectly made payments on several occasions because she has a good "track record" with them. That means she pays before accruing interest. Suppose that means good track record to her, but not which bank.

As for the insurance bit, there is always that ANZ GOLD VISA card.......