Churnie: Card Churn Tracker

Churning credit cards for sign-up bonuses is the highest-yield points hobby in Australia. It is also unforgiving: miss a minimum spend by $100 and a $1,500 bonus is gone; forget one cancel date and the year-2 fee eats your profit.

Churnie is the discipline layer. Add a card in 30 seconds and it handles the rest.

PACE THE MINIMUM SPEND Live dollars-per-day pacing and deadline reminders at 14, 7, 3 and 1 days.

NEVER MEET A YEAR-2 FEE A cancel-by date with reminders at 30, 7 and 1 days, plus a cancel-day checklist: points landed, balance zero, direct debits moved, clawback window passed.

KNOW WHO WILL PAY YOU NEXT The Radar checks every Australian issuer's bonus exclusion window against your history, including the traps: the 18-month any-card rule some charge-card issuers apply, and the Westpac group sharing one bonus window across four brands.

SEE THE WHOLE PLAN A timeline of every card's phases and fee cliffs, months ahead. A lifetime ledger of points earned, fees paid and net value.

PRIVATE BY DESIGN No accounts. No bank logins. No card numbers. Everything stays on your phone.

COMPLETELY FREE Unlimited cards, every feature.

Rules data is informational, not financial advice; verify offers with the bank. Churnie is independent and not affiliated with any bank or program.