Afterpay was born here, so it's no surprise Melbourne has some of the best BNPL coverage anywhere, useful given a midrange day runs about AUD 150. Four terminals sound like a hassle until you notice T2's e-passport gates and smooth customs for ETA holders. Sydney is a mere 1h 25m away for around $85, which explains why locals treat Melbourne as a weekend habit rather than a destination. Just don't show up in Melbourne Cup week and expect a bargain.