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The surcharge ban has changed credit cards, but good deals still exist

The Australian Financial Review (AFR) •
October 09, 2026 • 01:45 AM
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Loyalty scheme specialists say there is no better time for consumers to reassess which products they are using as banks and airlines rework their offers.

The surcharge ban has changed credit cards, but good deals still exist

Changes to surcharging rules have upset many small business owners used to managing their cash flow with credit cards, but consumers wanting to maximise their frequent-flyer balances are also being warned to shop around after banks slashed earn rates and tinkered with inclusions.

While the Australian Taxation Office was poised to backflip on a ban on taking credit card payments on Friday, consumers will need to reassess the new world of frequent-flyer points to make sure they’re getting the best deal.

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