How to Win at the Points Game with Steve Hui from iFlyFlat

John Manserra, Financial Adviser Geelong, talks to Steve Hui, founder of iFlyFlat.

Credit card rewards points and airline points – it’s a topic that’s equally exciting and confusing.

We all love the idea of flying business class and sitting at the pointy end of the plane. Chardonnay in hand. Lying flat to get some sleep, not getting woken up three times because the bloke in the window seat needs the loo.

But is the points game actually worth playing to get that business class seat when you factor in the annual fees, the transaction costs, and the time spent searching for reward seats?

To unpack this black box, I sat down with Steve Hui from iFlyFlat – aka “the points whisperer.”

Steve’s an accountant and the leading authority on maximising the return from reward points for business. 

Here’s what became crystal clear:

Points aren’t for everyone. They only stack up if flying business or first class is actually a priority for you AND you’ve got the expenses and travel to warrant it.

If you’re redeeming points for economy flights, toasters, or hotel stays? You’re going backwards. The maths doesn’t work.

But if you’re a business owner processing $300k+ in expenses each year (payroll, ATO, suppliers), or a high-income professional who travels regularly – the numbers are genuinely compelling.

Steve breaks down how to beat the system so you come out on top, not behind.

HERE’S WHAT WE UNPACK:

✅ The biggest misconceptions about points 
✅ Where people go wrong with strategy – not knowing what points are actually worth or how much they should be paying for reward seats
✅ How to find reward seats (it’s one part luck, two parts grit)
✅ The difference between points upgrades and reward seats
✅ Steve’s calculator breaking down the real numbers – points, fees, costs to fly business class half price
✅ Upcoming RBA changes around credit card surcharges that could make Visa and Mastercard points harder to accrue
✅ The 15 December deadline for AMEX holders – they’re changing airline partner redemption rates
✅ How business owners can pay BAS, payroll, and supplier payments through credit cards to turn existing expenses into flights
✅ The real cost versus benefit breakdown – when points work for you, and when they work against you

“Once you fly flat, you’ll never go back”
– Steve Hui

IF YOU WANT TO DIVE DEEPER:

Website: iflyflat.com.au
Podcast:iflyflat.com.au/always-business-class-podcast/
Youtube: youtube.com/@AlwaysBusinessClass