Why We Built CardPick.com.au

We’re two partners who’ve worked around rewards and credit cards in the financial services industry for years, and we’re still in it today.

One of us works on the frontline of rewards and premium credit cards, helping customers navigate their benefits every day. The other is a full-stack engineer who builds technology for financial services.

We’ve brought those two sides together to build CardPick.com.au, sharing what we know, doing the research, and making credit cards easier to understand.

The question that comes up more than any other isn't about fees or errors.

It's simpler than that: "I have points. Now what?"

Someone calls asking how to use 60,000 points for a flight to Bali, and doesn't know their card's points don't transfer directly to any airline.

Someone's been sitting on points for two years and doesn't know how to use them because every time they check the rewards catalogue, all they see are gift cards worth a fraction of what the points are actually worth. Someone wants to fly business class for their anniversary and has no idea it's even possible with what they've already got.

They've usually tried to figure it out: searched around, poked through the app, read a help article. But most of what's out there explains how to earn points. Almost nothing explains, clearly, how to actually use them well.

And on a busy day, if you call to ask, you're in a queue for 30–40 minutes for a question that really just needs someone to say: "here's what your points are actually worth, and here's how to get that value."

So, that’s what we’ve been writing down.

It’s not official advice from any bank, just the stuff we tell people every day, minus the hold music.