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

Was good at one point but now getting worse. More and more rewards are becoming unavailable, even the digital card rewards. Specifically Coles.… Read more

Worked well for a while, now every time you want to redeem a reward the choice is either limited and no availability for what you have points available to purchase. Or as another reviewer mentioned you will get "there are no awards available in your selection" Need to check this with ACCC as even though they will likely have something in the fine print that covers this, it is surely a form of misleading advirtising. If you dont have it dont advirtise it A google search says there are better rewards programs. That's also an option

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.

I have been banking with bankwest my whole lifetime (60 yr ) and have had a zero mastercard for over 8 yrs, i was scammed starting 26th dec, and… Read more

several other times, repeatley asked Bee ( and other " support staff")for a new card , and asked for help disputing transaction, just told block card i got frustrated and canceled card(should of REPORTED IT STOLEN OR LOST , trying to get a new one is IMPOSSIBLE , they dont care and wont help, shocking waste of time trying to deal with this once perfect bank

I have had the credit card since it was originally a Kmart card, and I have only ever had a maximum $3,000 Limit. I currently reduced it to a $2,000… Read more

Limit. The interest is quite high, but I do not get an annal fee. I have managed to sort it out and Access online services since the changeover to NAB. At first it was a stressful ordeal. There are a LOT of codes sometimes annoying. I hope I never need to ring for services because that service is terrible and I can never understand the Language. I get double flybuy points at Coles,Kmart,Target,Bunnings / Coles group Stores. (There are other stores, but I do not shop at). I have only ever used this card for Grocery Shopping at Coles or small Kmart purchases. I do not have any other credit cards as I closed them. I plan to close this one in 2027 When I have enough savings. I would recommend to never have a credit card past $2,000 Limit. It is borrowed money & it's not worth the misery of being in high debt for years. JMG

Been an Amex customer for the better part of 15 years, and transitioned some family member to using the service because of the benefits. The one… Read more

stand out has always been the customer service aspect... but a lot has changed over the 15 years, and I am happy to say I will not be using them anymore as the funding and development into customer service has deteriorated to such a point where I wasted hours trying to get a simple question answered and the people there are closing the chat after 1 minute where you have been waiting over 10 for them to reply. I would caution against using them, and not recommend them to friends at all. I think there are better products which are more widely available in the market, I think AMEX has a dying business model, and the one point for standing out in market they have divested from... so I wish you well in your selection and you may be lucky... but hopefully you never have a question or raise a concern. Expect for no helpful feedback.... IMO. Happily moving on to another provider. My annual spend btw was over 40k AUD per year on the card, and even with that I dont see the benefits of this anymore.

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

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.

The worse experience. They where very hard to get a hold off, they sent me conflicting information via text and email, asked me questions that had… Read more

no relevance to the application and misunderstood the application for transfer of balance and trying to upsell a credit card with interest rate. Do not waste your time or provide your details to this organisation I had to spend an hour on the phone getting them to confirm and acknowledge the deletion of my personal information which they tried to avoid.

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!

A ring.com subscription in Australia is considered a foreign transaction. The bank claims its processed outside of Australia so its foreign even… Read more

though the pricing is for ANZ. An air ticket purchased to fly overseas from Australia is considered a foreign transaction because the bank said the budget airline processed the transaction overseas. All these involved in AUD and without informing prior to purchase at the checkout, to be added post transaction. Never had an issue with my previous card issuer. All people watch out for these small hidden unexpected fees - if you dont check you wouldnt even know this is a thing with domestic spend. I think the ACCC need to clamp down on these fee add-ons post transaction.

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.

I was contacted by the team at Coles Mastercard as they had detected a fraudulent charge. They quickly and efficiently helped me resolve the issue.… Read more

If not for their excellent processes in identifying such transactions, I could have been out of pocket for a substantial amount. I am so grateful to the Customer Service team in the fraud and dispute departments. The staff were professional, knowledgeable and very friendly. I could not be happier with the service provided.

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.

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