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The Guardian - AU
The Guardian - AU
National
Catie McLeod

Churning, hacking, revolving, transacting: who wins in the ‘credit card points game’?

There are more than 12m credit cards in operation in Australia. Many people try to use their cards to get maximum points to gain rewards
There are more than 12m credit cards in operation in Australia. Many people try to use their cards to get maximum points to gain rewards Illustration: Jo Ley/The Guardian

When you hear the word “hacker”, you probably don’t picture someone like Brandon Loo. But if you ask Loo, a mild-mannered 30-year-old from Perth who originally trained in allied health, if he’d describe himself as a hacker, he’ll say: “Definitely.”

Loo is one of a few people in Australia who have made careers out of teaching people how to “hack” credit cards to accrue as many reward points as possible. He spends four days a week working for the guide website Points Hacks, waking up early because its office operates on Melbourne time. You can get a “really good experience”, Loo says, such as a first class Emirates flight from Sydney to Christchurch with à la carte dining and an onboard shower “for only 64,000 points”.

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