Best Balance Transfer Credit Cards

BUYER BEWARE - YOUR CREDIT RECORD WILL BE DAMAGED – Prior to applying, I had reasonably decent credentials: credit scores of 1000+ across multiple creditors; income of $250k+; never later with… Read more

payments; good debt/income ratio. My application was declined, with no reason provided. All credit scores now down across the board 200+ points. Better cards out there with more transparency. Suggest avoiding.

I’d rate this zero if I could. Westpac still owe me money. I called 5 times to sort a balance transfer issue as an existing customer to no… Read more

resolution. They advertise 0% for 24 months interest free, they didn’t apply that to my balance transfer. No one could help, the last person who tried just left me hanging on the line and transferred me elsewhere because they had no idea. Customer of 15 years + and they can’t even fix a basic issue. Unbelievably incompetent overseas call centre. This resulted in two complaints being generated, the second one I didn’t even ask to lodge one, they just automatically made a complaint without asking me haha

Conbank extremely dodgy and charged me interest when I paid the full amount on time. Don't deal with this dodgy bank. Show details

The Commonwealth Bank Awards gift card choice have been cut back drastically. Making billions of dollars every year is not good enough, they want more. I will now be looking at other bank awards programs and banks.

I thought it would be a great option considering a decent amount of Qantas Points and the $450 travel credit. However, it is nearly impossible to use… Read more

the travel credit since it has to be booked through Amex's travel agency with Qantas and they always have tickets more expensive than when booking other options. It has to be booked in a single purchase and the purchase must be above $450 (hence not a cheap flight, so I would be loosing big every time I tried to book). Doesn't work with Jetstart either.

I would recommend going for a different card as this one is definetly not paying back its cost.

I hate that I cannot prepay my balance when I want, only after I receive the bill, though that may just be me.

Bankwest rejected my application immediately despite a good financial situation. When I asked why, they wouldn't provide any information. Do not apply through Bankwest as a rejected application will look bad on your credit profile!

The Coles credit card system has got to be the worst set up. Even though they are underwritten by NAB or uses the NAB cards, the entire call centre… Read more

is based offshore with the slowest phone services. You are waiting on average 1-2 hours on the phone when speaking to someone who has no idea how to help you because it's a "self-service" based system online. The only problem is the "self-service" system online crashes with "unexpected errors" so frequently, it's surely expected by now. When bringing up things that cannot be processed online without an error - like opening the account or adding an additional account holder, they just stall you for hours over the phone only to tell you nothing can be done. It is not worth the time or effort, seriously look for any alternatives would be better use of your time!

Been a customer for almost 4 years. Absolutely disgraceful customer service. Mishandling of a direct debit arrangement, then to let the issue… Read more

progress without notice so they could say "gotcha" and slap $30 fees on my account. They are some of the worst actors out there. Horrible to deal with, also over seas call centres are robotic and you are just.a.number.

I had booked a flight using Amex travel service. However, later I realised that I was not able to change the date of travel online either on the… Read more

airline website or Amex travel site. I had to call the travel helpline (which took couple of minutes to get through) and even then, the change could be made only after the reprsentative forwarded my request to another part of the organisation and it took hours before the changes could be confirmed. Very stressful indeed particularly if one is already overseas. I am unlikely to book flights any more using the American Express Travel Service based on the above experience.

No contactless pay – Poor technical support and outdated systems, cannot even support Google Pay on many platforms. Show details

Very Poor Service AMEX. I have been a very loyal customer since 1997 and spend a lot of money each Month using card. I have never been late paying… Read more

card. I book international flights through AMEX Tavel regularly. On a recent trip to Perth, I booked a hotel with breakfast included. Upon checking in I was informed that breakfast was not included. Upon calling AMEX Travel and sending over 1.5 hrs on the phone they informed me there nothing they could do. AMEX could not have cared less, so I cancelled my card on the spot after 29 years. Loyalty meat nothing to AMEX. They did not even ask why I was cancelling or ask if they could stop me leaving me.

The reason I applied for this credit card was because they have the cash rebate offer of $100 each month for the first 4 months if you use the credit… Read more

card for a minimum of $500 purchase per month. Initially if you use the credit card for $500 or more purchase in the first month, you will be getting $100 cash rebate, so I did use this credit card for purchase of more than $500 for the first month and then the next few months. I called the CBA call center after two months as I did not receive the first $100 cash rebate for my first month of using it. The CBA call centre staff advised that they have changed the offer to I will only get a total of $400 cash rebate after 4 months when I have used the credit card for a minimum of $500 purchase per month for the first 4 months. And I did use the credit card for more than $500 per month for the first 4 months. Then 6 months on, I have not received the cash rebate of $400 yet, so I called the CBA call centre again, they advised that I will receive the cash offer of $400 around mid May 2025. So I waited and waited and waited until I called the CBA call centre again on 22 May 2025, the CBA staff checked for me as to why I did not get the $400 cash rebate. I was very surprised to hear that he said I was not entitled to the cash rebate of $400 despite I have met the criteria of using the credit card for the first 4 months for more than the minimum requirement of $500 per month, however I did not have a CBA transaction account with CBA, so I was not entitled to it. I was shocked to hear that, firstly I was not told for the previous couple times when I called the CBA call centre that I needed to have a CBA transaction account, secondly when the staff told me that the criteria of having a CBA transaction account was only stated in the terms and conditions that you need to click into the link on CBA's website. I was wondering if such a criterion is that important, it should be shown clearly in their website when promoting this cash rebate offer, it should not be stated in the terms and conditions that you need to click into the link to read the 17 pages terms and conditions. I was very disappointed and frustrated with CBA!!!

Worst Bank I have ever dealt with. They continuously change their policies in favour of the bank and no consideration towards their customers. Be… Read more

careful if you open a rewards card, read their policy carefully as they make it hard for you to earn your rewards blacklisting you by the way you pay your bills.

Just cancelled my card with them. They are all good until you have a dispute with a vendor and then they will disappear. Zero trust or protection from Kogan. Pretty important thing to get right for your consumer confidence. Show details

If xx sent from now on the pokies here is the dealers in your Show details

I was Refunded a $11000 airfare to the Amplify Platinum card, and St George customer service say they do not allow transfer of excess credit to a bank account. This is not normal, have had no issues with other banks.

Truly an awful experience. The application process is clunky and agonising - designed without a thouth for the customer. Gets worse when you finally… Read more

activate the card. The HSBC website looks as it it was designed the morning after the office Xmas party and the IT dept. vomitted up teh content. Zero points for customer service and voice of the customer. If this is the best they can do then the big 4 must be "laughing all the way to the bank"

Having being a customer with this bank for many years and maintaining a good record maintaining this card, their call centre is beyond a joke; their… Read more

staff are trained by monkeys and seem to be more interested in what time their shift finishes than actually address any concerns. The opportunity to leave feedback via an online form at the end of the call only triggers the Team Leader to try to contact you and try to make amends. All I wanted to query a charge, and they assumed that I wanted to close my account. The branch is more like a sit down coffee shop with desks not tellers and no cash. The bank tried to re-open my account by applying for a new card which failed. This ended up in a formal complaint to their "NAB Resolve" team, where they side with their employees & then close the complaint. I escalated to AFCA due to the lack of professionalism from this brand. I do not recommend using NAB or any NAB credit card offering. They are a bunch of crooks and only try to blame you for their mistakes and never own the problems, they create!

Great – Had this card for a number of years and never had an issue. Auto payment sweep is a great feature, and I never have to worry about paying the interest.

The time spent on unnecessary requests puts a shame on the NATIONAL BANK AND COLES, as the people handling the approvals take so much time that I… Read more

assume they get paid by the time they spend on your applications. Do not bother applying; look somewhere else. AVOID, bad experience here.

So some scammer tried to use my card and the good people caught it and froze my card I rang them they were super helpful and a new card was issued.… Read more

Fast forward 8 days I rang to ask where is the card they issued - id*ots forgot... They promised they would express post it and it will be in my hand in 1/2 days tops. I was given an option of lodging a complaint cause apparently these clowns thought I need to spend more time doing their job by chasing my admin Two days passed - credit card nowhere to be seen. i guess Coles disastercard was not finished wasting my time just yet. I applied for another card and will close Coles sometime this week. Whether it's supermarket or financial services - Coles is not a great choice...

Horrendous customer service levels - don't do it – No customer service, 30+ min waiting on phone and still no one there. can't contact them any differently given account is closed.

ANZ did not honour the 60000 velocity points as promised. Reason given was because I did not set up app to nominate my velocity in the ANZ app within 3 months of card approval. Felt scammed by bank Show details

For all the talk of fraud prevention, Bankwest still allowed a $8000+ fraudulent transaction from Korea to pass through their fraud prevention… Read more

measures and still finalised it from pending after I had lodged a fraud report. Amex or other banks would have jumped straight to it but not Bankwest More. There is no further reason to retaining this credit card and once this sage has ended - and that is if they do not side with the Korean based fraudsters, that will be the end of my relationship with this bank.

Just found out the hard way. I'm a new Virgin Velocity Card holder. I own a gold card with another provider and have 21 days to pay my card. Virgin… Read more

Velocity is only allowing me 14 days. I usually pay my card in full every month, but to my shock, I owe $9k in 14 days.

I'm paying this card off over 2 months and cancelling. I was also charged $42 international transaction fee on my flight booking with Virgin and Qatar. Go elsewhere.

Unfair cancellation not even a phone call – Today i found out Jetstar MasterCard had cancel my credit card and my years as a good customer because they said I didn’t pId my bill. And I owe… Read more

them a bit over $200 back in mid 2020.

When COVID bit I paid my credit card in full and I think I was a few dollars in credit. I never worried about re checking my balances because I knew I paid it off and I Kew I wasn’t going to be travelling in the near future so I didn’t think much of it until I found the new credit card they send me last year in a bowl waiting to be activated.

I rang them to my shock they told me that because I didn’t pay my bill they terminated My account. The real story here is that I paid my credit card in full and was as I remember in credit back in February 2020 but as COVID hit everything went mad. I had no need of credit card as I wasn’t travelling anymore but the bank regardless of my good credit rating forgot to informed me that they charged me an annual fee.

I never received phone call or e en an email to the fact and today the person I spoke to said it wa my responsibility to check account online that statements get send there. Yes I understand that very well but the fact that my account was settled before COVID-19 hit i had no reason to suspect I own them anything. The fact that some people are struggling and there is messages on website advertising assistance to tose in need is disturbing as simple telephone. All or email could had avoided this. Poor customer service I call this..plus due to current hardships the bank should not be allowed to charge annual fees. I always been a good customer all these years and paid my bills on time and their attitude with my situation has left me very disappointed. I have never received any communication about why they were canceling my account, no telephone call no email ever sent.

Qantas Credit Card people won't help...Won't return contact requests....Web site that doesn't allow an application to be submitted.... Keep getting… Read more

emails stating to complete the application only to use the web page which won't work........Rude call Centre Customer Service Staff.....and I could go on.

What is wrong with Macquarie Bank?? I hold 10 accounts with them with substantial assets and want to apply for a credit card. It takes 3 contacts, 2… Read more

weeks and my brokers involvement just to get the application form sent my way. Continually advised that assessments can take up to 10 days - no problems. Was told on last week (when enquiring about something else) that the assessor was looking at it that day. Haven’t heard anything so today I ask- now told it won’t be looked at for 3 weeks??? You can’t call them because they just harp on about us using their online chat but the chat is useless! Scripted information and they don’t even acknowledge the events and communication that have occurred - only want to stick to their script. Highly disappointing and will be proceeding to a formal complaint now. This is the definition of being treated like a number, not a person!

Delivered to wrong address – Its wonderful to have express delivery to the country areas....but....my son purchased a present from JBHI (love JBHI, they might want to reassess in… Read more

the best interest of their business who they use as a courier), he was home on the Monday & Toll left a card, thats ok, got online to do the redeliver thing, easy process. However come Friday & he checks delivery status, its already been delivered but to who. The signature is not his. Rang customer service & was on hold for 37minutes before a sassy customer service lady answered, she was ok but was very hard to understand as it sounded like she was yelling in the phone. She got a few details wrong. Anyways, we have to wait for customer service to call back within 24hours to resolve the missing JBHI package that was delivered to who knows now.

Prompt and experienced dealing with fraud in 2024 and possibly beyond – Got scammed recently which reminded me of my experience with 28 degrees which we all know had a huge data breach with various people's credit info… Read more

stolen but before that happened I was scammed of about $200 i think and they couldnt even retrieve those funds nor did they even block my card or even tell me I got scammed...

I tried bankwest breeze and my experience has been the opposite despite having to pay an annual fee of $60 which is the only downside I can think about and now I dont mind because of how amazing they have been in managing my recent scammed as follows: 1) they notified me first of a potential scam via SMS and of course i checked my transactions and there was an overseas fraudulent transaction of over $2000 (almost 10x my last scam experience) 2) as per their SMS i called them about what to do in this situation and they: - blocked my card - reissued me a new card - and said they will dispute the transaction they did this in less than a minute or at least it felt that way ... no arguments ... no excessive questioning ... just straight to the point.

I have attached my correspondence for the successful result so basically I am very happy with how they handled everything so am definitely going to continue using bankwest and paying that $60 annual fee haha