And have we seen any kind of particular players, credit card providers changing their offers up so far or has it been a handful and you might expect more to come in, I guess, the weeks before the surcharge ban is implemented and then even afterwards?

So what we've mainly seen to date is changes to the ongoing proposition of the cards.

So looking at the fabric of the earn rate, we've seen some annual fees increase for CommBank quite substantially because they've gone from zero monthly fee for a lot of their customers through to an almost unavoidable annual fee that is being applied.

We've also seen a few of the banks creep up their interest rates.

Now, obviously, if you have a rewards card, it's really important not to pay interest because you don't want to be subsidising your points with interest that can really cancel out the benefit.

We've also seen some banks take a razor to the type of insurances that are offered with cards.

Now, these are quite popular products and are And soon some of these cards won't have travel insurance.

So For anyone who currently has a credit card that they've been using to earn frequent flyer or rewards points, is there anything that you'd recommend them doing right now?