Balance Transfer Credit Cards

SCAM! Regret getting this card!Not Impressed at all and I've only just signed up. Got sucked in with the lounge passes and travel credit but you don't get them until the SECOND year! That's if you purchase Qantas flights too. Advertised also was 12 months ... Read moreinterest free on balanced transfers but apparently AMEX have never had that available. No benefit at all to this card. I'll cancel when I get my 100k points.

Mobile app not workingMobile app does not work. I'm unable to log in their mobile app which makes it hard to track your spending. I've called them multiple times but they are unable to help. I have to log in their website each time I need access to my account which is time consuming. I'm going to cancel my account and switch to a better credit card company. Show details

Good value card and easy application processI liked the offer 14.99%, no annual fee and 4 month pay later plans (their verson of BNPL but longer) so I applied online and had to email two recent payslips through. This was on Friday, Saturday morning I got an SMS and ema... Read moreil saying my card had been ordered. I didn't find the application too intrusive. They are a little conservative on the credit limit compared to last time I got a new card but responsible lending laws have changed since then and it's still way more than I'll ever use. The digital card had appeared in the app by the time I woke up Monday morning so I activated. Although the card was visable in the app and online banking the account wasn't. I also opened a transaction account which was visable so I messaged them in the app and got a response in minutes all fixed. I also had another question on a different day - same quick response, so much better to message than having to call. Payments from transaction account to credit card processes instantly which is nicer than my old card which took a day or so.

Does this card even exist!!!Started my application on the 12th of March. Have submitted back to the them when requested, the same day, additional documents (twice). Still absolutely nothing 2 April. do not recommend them at all Show details

BUYER BEWARE - YOUR CREDIT RECORD WILL BE DAMAGEDPrior to applying, I had reasonably decent credentials: credit scores of 1000+ across multiple creditors; income of $250k+; never later with payments; good debt/income ratio.
My application was declined, with no reason provi... Read moreded. All credit scores now down across the board 200+ points. Better cards out there with more transparency. Suggest avoiding.

What a mistake this was signing up to a coles MastercardDo not get this product. How hard can it be to close and pay an account? Thrash app, thrash customer service. All round just terrible Show details

Pathetic card application process , causing unnecessary adverse credit rating for customerBeen with Westpac for 14 year, and despite high credit , high assets , high income and exceptional conduct of all my personal & business accounts & products over this time, they choose to treat my like dirt and thorough sheer... Read more arrogance and incompetence on their part have caused me to get a negative credit rating, only because they wouid not listen to me and details surrounding the replacement of my longstanding credit card. Horrible , rude , uncaring people to deal with. No sense of loyalty or valuing of long-standing customers . I will be moving all my accounts , and recommend everyone else to do so too. They no longer know the meaning of customer service or any personal attention, have no interest in helping people, just want to push to “online services “ only , not understanding that in certain circumstances , a personal direct approach is required to help a customer . As this matter is rather serious and I believe they have broken the law , I will be taking this matter up further with the ACCC and the Financial Ombudsman . Terrible bank! Stay away, there are better options out there !

Outstanding service from Macquarie Bank Platinum staffMacquarie Bank have just successfully resolved our third credit card fraud case in 9 months! The first two cases were where our credit card details were obtained illegally and purchases were attempted with the card. Both time... Read mores Macquarie Bank blocked the card and refused to pay the transactions and then cancelled the cards after contact with us. One was for over $3,500 in purchases in Vietnamese Dong and the other was a "fishing transaction" for US$0.49 at a Doctor's surgery in a small town in North Carolina. Obviously these raised warning flags given we live in the Hunter Valley NSW. The last one was our fault. A Peter Alexander website offering 80% off pyjamas, I know, if it is too good to be true etc. but we used to get huge discounts on remainders at the Peter Alexander factory outlet in Canberra when we lived there, so we thought this could be the same. Wrong, it was a cloned website. You pay and get email confirmation of the sale and then another email with parcel tracking number which is genuine but the package is coming from China, Peter Alexander is an Australian company. We cancelled our card and raised a dispute with Macquarie Bank. They issued us a new card, again, arriving in only days and eventually managed to get our money back. Ultimately, we received our package with our "six pairs of pyjamas", a fake Cartier ring. This is better than others who got fake Ray Ban sunglasses or baby's bonnet or baby's milk bottle. There apparently are several fake websites out there at the moment, Skechers, Country Road, Sportsgirl etc. Most aimed at Australians. Thank you Macquarie Bank for your great efforts, we ended up not being out of pocket at all and only had the inconvenience of five days without a credit card!

Dreadful application process and third party referral for credit scoreRefers you to third party credit agent then you have to apply to getvyour credit score also then offers to subscribe at your own. Avoid Show details

Max freeIve Maxed out my limit. Soo paying the upmost in interest possible and they have the audacity to let me spend past the limit and then charge me per transaction there past a further $10 for no apparent reason. No extra workload on their behalf but considerably more detriment just for me (like it was a punishment). Far king are souls. Lone sharcs Show details

Travel Insurance offered with purchase of Airline TicketsWhen purchasing an Airline Ticket using Amex Platinum Edge card , it offers Travel insurance through Chubb Insurance. It is worth noting that the eligibility criteria excludes those individuals over 79 years irrespective of t... Read morehe health status of the individual. This I think is a blatant act of age discrimination as someone below 79 could be of a greater health risk compared to a very fit individual without any health risks but happened to be over 79 years old.

terrible option for a credit cardDont waste your time applying unless you have a lot of spare time to deal with customer service of the worse quality and ability. Dont be tempt bu free qantas frequent flyer oints it is not worth it. Show details

Rude, Incompetent, Unprofessional, Lying ThievesBUYER BEWARE
I've had some woeful customer service experiences in my life but Virgin Money absolutely takes the cake.
I can't even begin to ... Read moreexpress how disgusted I am with my experience. I signed up with Virgin Money mostly for the bonus rewards points, but ended up sticking around for a bit longer after that because I'd already started to book a holiday using that card- so it was a convenience to hang on to it for the time being. When I first signed up and received the card, before I made a single transaction on it, I called the service centre asking to setup automatic direct debit. They told me they don't offer that feature (LIE #1). So I spent the first couple months manually paying it each month. At the end of February, I paid the balance of my card- but while I was at it I noticed that there was a pdf form for direct debit which could be downloaded, completed, and uploaded again to have it put in place. 2 weeks later, they then debited the same amount that I had already paid for the same statement period. I thought "ok, no problem, they've made a simple error which should be easily rectified by returning the funds... right?". Over the next week I spent literally hours on the phone to various different service officers and managers, and complaints people all from Philippine call centres with varying levels of English competence. Every time you call, you need to validate yourself. Fair enough. But the catch is: - Their app has no capability to validate you over the call - They attempt to use an sms code which they send to you and you enter on your phone keypad - but their system fails to detect the input about 8/10 times - They then spend about 5 minutes going through many detailed questions which take a lot of time to answer Additionally, when they contact you for something- there is a double standard in that they will immediately ask you to validate yourself but will offer no means of validating themselves. So if you have any mind for your own personal security, then you're forced to hang-up and then call them back. When actually discussing the issues with service officers, you find yourself being passed from person to person, department to department, and being told different stories. 1 told me it would take 10 business days to return y money. The next told me 3. Another said 5. Who knows what the truth really was. But after a week and still not having the money returned, I received a (unverified) call (and called them back). They told me they've now agreed to return my funds but that it would take another 10 business days. By this time, I'd have lost a substantial sum of money in interest from the account it was taken from (in the order of 10s of thousands). When I raised this issue with the complaints officer, they told me that this was my fault and that this is what I'd signed up for and that I should learn to read the terms and conditions. I asked them to cite the specific condition, which they did and when I tried to reply to note that the information they've cited is unclear; they continued speaking right over the top of me. My complaint was ignored by the complaints department and they were the rudest complaints department I've ever dealt with. It was clear that their hostile staff had no interest in helping whatsoever and only wanted to make my life as difficult as possible. I've never experienced anything like it. So I asked to close my account and the answer I got, and this isn't even a joke, was "your amount in credit can only be returned by cheque in the mail which will take about 4 weeks to arrive" - yes you read that correctly: by CHEQUE in 2024!!! I hung up, completely astounded by the sheer hopelessness of this company. Surely, cheque is not the only option right??? Well I was correct, it's not the only option. It was just another lie from a terrible complaints department who wanted to make my life difficult. When you close your account online, there is the other option of having the funds returned to you via EFT within 3 business days. So I completed the online form and gladly closed off this account. NEVER AGAIN. I hope some people read this story and think twice about ever opening an account with this horrible horrible business, as you will absolutely regret if you do.

CBA made me pay ATO my due amount which i was planning to pay after 6 months. And then declined my credit applicationCBA made me pay ATO my due amount which i was planning to pay after 6 months. And then declined my credit application. Show details

Avoid If you don't want to be up for Thousands in Fraud ChargesI was hacked during an online payment and had scammers buy almost two thousand dollars worth of gift cards before the card was stopped. Nab refused to pay the money back and did not even bother to tell me that it had been rej... Read moreected. I had a similar thing happen on my Amex and they refunded me straight away . I will be canceling my card and never using them again.

Cheap tactic by commonwealth credit cardI am using comm low rate Gold card nearly year. Suddenly, last month statement small letter specifying your international transaction rate increased 0 to 3.5%. Who reads statement in details? Better to have communication emai... Read morel like other banks. It cause 200 plus additional international transection charges. It happens, no complain, but spreading awareness on cheap banking tactics.

Time wasterThis card would appear to be a good for travel, with zero fees and zero international transaction fees. But if it is not available to people who are retired, no matter how many assets and how much their income, BankWest could... Read more at least be up-front honest. Why waste my time and theirs? Not just the application, but the requirement to set up internet banking which can then only be cancelled through their call centre. The first and last time I will deal with BankWest.

Choice a better credit card next timeApplied for the card to get rewards , card approved 20 days before i got it at home. Had no chance to obtain points since the short time from approval to get it in my possess.
Unclear communications and provedures. App low functions. Show details

Worst credit card aroundSecond review of this product as i've now experienced another major issue. Westpac claim in the T&C's that if you have any fraud issues you can simply "Call us 24/7 on 1300 651 089 if you are in Australia". THIS IS FALSE. The... Read more phone line takes you through numerous options menus before stating something to the effect of "nahhh just live chat us". Great. Being out rural and on the road. I'd love to find some signal and pull over. Live chat took nearly 40 minutes to ask me the same questions over and over despite my initial explanation clarifying all of this information. They then gave me a phone number. On hold for 30 mins and counting. Never use. disputing the card fee then going to close. Keep your money under a mattress.

Be warned of sneaky chargesBe warned! I recently switched over to this card consolidating two other cards, to get the Qantas points. However, there are so many sneaky fees that NAB try and pass through under there dodgy 'terms and conditions', that you... Read more lose all faith with their ethics and business practices. For example I booked a hotel in Australia, whilst in Australia, using Australian dollars from bookings.com.au, I was then in turn charged an $18 international transaction fee which they refused to reimburse. I had made this transaction hundreds of times before with other credit cards and had correctly never been charged a fee. I then noted many other small international transaction fees for Australian purchases and realise this is their standard business practice. I now have no confidence in using this card and with the high card setup fee, I deeply regret switching over to NAB.

Westpac card services are subject to fraudOn the 16th May we paid our car registration renewal using one of our Westpac Mastercards and utilising the S.A. government EZYREG payment system via my wife's mobile phone.
Both Westpac and the S.A government tell users that... Read more phone banking is a secure method of account payment. IT IS NOT! As soon as that payment was made, a charge of 51c came through from a Great Britain site called 'ausvehiclecheck.com' which Westpac honoured and released. Within a few days transactions from Great Britain, Spain and other countries started showing up on this card, all of them accruing foreign exchange fees. The fraud department staff pointed out to us exactly when the fraudulent activity started but Westpac took no action for more than a month to alert us that fraudulent transactions were happening. To make matter even worse, Westpac Card Services fraud department claimed that this activity was the result of a 'scam'. and Westpac do not cover scams! As the funds were not recoverable our card account would not be reimbursed, we as pensioners have to suffer the loss of many hundreds of dollars. A scam indicates that the user has released personal details and has given them to a fraudulent source. I cannot understand how paying a government account through the Westpac promoted secure payment system can be classed as a scam.....we didn't give details away, Westpac released them. these transactions were clearly fraudulent. And to completely rub salt into the wound, Westpac staff tell us that we will be charged and be responsible for interest on these fraudulent transactions that we did not make or condone. Think twice before you use Westpac Cards services, you will not be supported, their payment system is NOT secure and and you will not be reimbursed for any losses accrued by using their system!

Long term happy customerHave been a long time customer of ANZ Platinum (~10 years). Always felt safe using them and had only minor issues along the way. Missed my payment once due to scheduling error on my side and ended up with some interest. Howev... Read moreer, when inquired about it the guys on the phone are always very friendly and happy to take their time explaining what had happened. There was even one time they decided to just write it off as it was an honest mistake. Definitely did not expect that but was very happy with the outcome.

Time to CancelI took out a Platinum Credit Card through HSBC. With the credit card you are entitled to free access to the flight lounge at the Brisbane Airport. We attended the lounge and presented the card (as per the guide on HSBC web si... Read morete). We were not told anything different by the front counter people at the lounge, but later found out that not only had we been charged $136 but also an overseas transaction charge. I messaged HSBC and then emailed customer service, without any response from either to dispute the transaction. With this level of service from a Credit Card provider, I am now having to take the mater to the Ombudsman. This credit card is fine when things go well but it is when there is an issue and you need to resolve quickly, you are let down like a rock. Avoid this provider at all costs.

Customer service at its worseThese call centre operators with their heavy accents deliberately prolong the call as they get paid by the minute. Not by me thank goodness! You often have to call back again and again as they don't provide the service (?).yo... Read moreu require. For the second time in a short period I have had to contact the Australian Financial Complaints Authority to get through to these incompetent people! When user name isn't found despite trying to log in a thousand times there is something wrong with the system. When I tried to lodge an email complaint to tell them I was taking the matter to the AFCA I got the try again when I pressed Submit as their system was down. Or was it?! If you could die of frustration I wouldn't be sending this review. Avoid at all costs because they don't care.

Twin wins - Earn more pointsI did not purchase this card though, it came as part of a welcome kit with my house mortgage with Bankwest. This is perfect time to have this credit card since I purchased house I had to make purchases for my new house like h... Read moreome furnishing, gym equipment, etc. A bonus was that every $ you spend you earn 2 points which can be used for any online purchases and you have 45 days to repay. There is no annual fee on this card which makes it twin bonus.

GreatHad 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.

Terrible program - inept bankHave wasted countless hours dealing with St George over the years, not sure why I expected the Amplify Rewards program to be any different. Avoid this bank and this card. Not worth your time. Show details

Average over allCard benefits for the Priority Club with guest is good, $700 fee a year really doesn't calculate to the benefits you should be getting out of a card like this.
Customer service is the worst concierge I have ever dealt with,h... Read moreolding high end cards for over 20 years. Hard to get a hold of and certainly not there to service the customers. cant do a thing unless you call them to sort and even then takes so long to get anything resolved. Points are average but been trying for months and months to transfer these to Kris flyer and nothing but excuses and issues, still can't get it resolved. over all the card is not worth the value, there are better cards and by far 10 times better service with a concierge that Citibank offers. When you email asking for assistance you always get the rule book with you need to do this or that, or not in time so they refuse to help you. seriously look at many other banks before Citibank as clearly not there for their customers.

Disappointed, From 11 April 2024, the annual fee will increase to $99, Disappointed!From 11 April 2024, the annual fee will increase to $99, Disappointed! it's also not easy to set up direct debit, this couldn't be done online, I had to mail in the direct debit form, the customer support needs more support,... Read more Hard to view statements online with terrible small print fonts with shadowing overlay, (even printing out paper doesn't help),using shadow overlays on statements should be illegal. Qantas rewards are just ok, but the increase in fee's I am reconsidering. Card is under the umbrella of national Australia bank, feels like being nabbed. Read the fine print people, your eye sight is fine but you may need an electron microscope.