Qantas Pay vs SaveMateAU

With Qantas Pay, you can earn Qantas Points on your own money at home and overseas. Lock in rates on 16 foreign currencies or load Australian dollars to spend worldwide - anywhere Mastercard® is accepted. Qantas Pay opens up a whole new world of points earning potential. Earn Qantas Points for simply loading your money and spending at home and overseas. • Earn 1 point per AU$1 equivalent loaded in foreign currency. • Earn 1 point per AU$1 spent overseas. • Earn 1 point per AU$4 when using your card at home - plus earn bonus points when spending on Qantas Flights, Marketplace and Wine. Plus, with Qantas Pay you can enjoy no foreign transaction fees and no account fees. Start planning your next adventure and discover how points make it possible with Qantas Pay. Manage your money with the Qantas Pay app • View your balances, transactions, statements and more. • Load funds by bank transfer, BPAY and debit card, or by using Apple Pay. • Hold up to 17 currencies. • Instantly add your Qantas Pay card to your Apple Wallet to shop in-store or online. • Instantly transfer funds between currencies and to other Qantas Pay cards. • Get help locking your card when you need it. • Change your card PIN. • View offers available to you when you use your Qantas Pay card. We take security seriously We take the safety of your data seriously, with advanced processes and systems in place to protect your information. And while logging in is as easy as using Face ID or your fingerprint, there’s extra authentication when you need a little extra peace of mind. Don’t have Qantas Pay? It only takes a few minutes to start enjoying all the great benefits Qantas Pay offers. Download the app and follow the prompts to sign up for free now. Any questions? Visit qantasmoney.com/qantas-pay T&CS apply. See full terms and conditions at www.qantasmoney.com/qantas-pay. Issuer: EML Payment Solutions Limited ('EML') ABN 30 131 436 532, AFSL 404131. Consider PDS, FSG and TMD.

SaveMateAU - Plan the life you actually want to live. Whether you're saving for a home, paying off debt, planning for retirement, or just trying to understand where your money goes - SaveMateAU gives you the numbers you need to make smarter decisions. 35 POWERFUL CALCULATORS Property - Home Deposit - How long until you can buy? - Stamp Duty - What will you pay by state? - Rent vs Buy - Which is actually better for you? - Refinance Savings - Is switching lenders worth it? - Extra Repayments - Pay off your mortgage faster Education - Child Education Fund - Be ready when it matters most - HECS Repayment - When will your student debt be gone? - Private School Fund - Plan ahead for private education - Baby Fund - Ready before the big day Car - Car Upgrade Fund - When can you afford that new car? - EV Switch - Does going electric make financial sense? - Car Loan Payoff - Pay off your car loan faster Lifestyle - Saving Goal - How long to reach your target? - Holiday Fund - Your dream trip is closer than you think - Wedding Fund - Your perfect day, planned financially - Renovation Fund - Plan your dream renovation - Gadget Fund - Save for your next big purchase Independence - FIRE Calculator - When can you retire early? - Retirement Age - When can you stop working? - Super Boost - How much is extra super worth? - Passive Income - How much do you need to invest? Protection - Emergency Fund - How long could you survive without income? - Income Protection Gap - What happens if you can't work? - Redundancy Buffer - Are you ready if you lose your job? Debt - Debt Snowball - Crush your debts one by one - Credit Card Payoff - The real cost of your credit card debt - Subscription Audit - What are your subscriptions costing? - Daily Habit Cost - Small spending, big long-term impact - Salary Sacrifice - Pay less tax, save more super Australia - Tax Return Estimator - How much will you get back? - HECS + Savings - Should you pay HECS or save first? - Centrelink Impact - How do savings affect your payments? - CGT Estimator - Tax on your investment gains - Negative Gearing — Does your investment property stack up? WHY SAVEMATEАУ? Every calculation comes with: - Clear results in plain English - Visual graphs showing your financial future - Smart insights - not just numbers - Honest disclaimers (we're a calculator, not a financial adviser) SAVEMATEAU PRO - $4.99 once, yours forever - Unlimited calculations - PDF export - save and share your financial plans - Custom subscription tracking - Scenario comparison graphs - One-time purchase. No subscription. No hidden fees. DISCLAIMER SaveMateAU is for informational and educational purposes only. It does not provide financial, legal, or tax advice. Always consult a qualified professional before making financial decisions.