Just leave it there and spend it as you go & save the $150. I use my credit card for everything unless they charge an additional fee & pay it off monthly. Free credit and no costs.Today I received my refund for the Oshkosh flights, five months after it was paid and four months after it was cancelled by Qantas. Hooray. It came into the Westpac credit card account that I paid from originally. Westpac will now charge me $150 to transfer it back into my bank account.