Banks are preparing for an RBA-driven overhaul that is expected to lead to changes in reward programs tied to banking activity, including frequent flyer points. All three outlets report that the adjustment is likely to prompt banks to review how they earn and distribute rewards, anticipating that future rules or settings linked to bank charges and surcharges could alter the economics of these schemes. The reporting indicates that frequent flyer benefits offered through credit cards and other financial products may be scaled back, reshaped, or otherwise revised as banks respond to the expected policy changes. While the articles do not detail specific new reward formulas, they describe a broader “surcharge shake-up” that drives uncertainty for frequent flyer point accrual and redemption. The sources characterize the period ahead as likely to involve multiple updates by different banks, suggesting that consumers could see changes across reward structures over coming months. The overall focus is on how regulatory or RBA-led reforms on banking fees may flow through to the incentives banks use to attract and retain customers.