Best Credit Cards

28° Latitude Amazon refunded me $201.99 into my closed 28° account on the 16th September. I called Amazon three separate times, as 28° kept telling… Read more

me the payment hadn’t been made - EVERY time I call their first response is the money hasn’t been paid, even though when they start digging into my file they find the payment. I have called 28° at least three more times than the following, from here I started taking notes: - 9th October - Spoke with manager and gave my new BSB and Account details to be paid into. Still not paid. - 20th October - will call back; no call back. - 24th October - Spoke to [Name Removed]; to email back office “high importance” and call back in 5/10 business days.

I do not recommend this product, and I actually think they’re trying to wear me out to steal my money. Beware.

Paid off account and cancelled card. They continued direct debit withdrawals, owe me $ and I can't contact them by app or phone because I 'don't have… Read more

an account'. They also charged me $1.95 for paying my residual amount of $3.30, and then charged me $1.95 out of the direct debit they stole to pay their charge for 'accepting payment'. Essentially I can never get out as I will always owe them $1.95 for accepting my last payment of $1.95!!!!

Make it so easy to sign up and lock in to a contract. Didn't even link a bank account before spending $5000. Then when you try to pay its difficult,… Read more

it takes 6 days to take. Then they take too much and you need to wait 6 days for them to pay it back. The app is didficult to navigate. Strongly suggest not signing up for this service. Such a dodgy company

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.

There is no communication when the site is offline, and we can't access the account. Misleading information, see below. Website: "Your password is… Read more

incorrect" Me: Ok, let's change it... Enter the new one. Your password is incorrect! LMAO Truth: The website is down. The system is faulty. The website is down from August 4th to 6th, 2025. So It should be available on the 7th.... No, it is not. Waste of time, energy and money. ... Lots of financial costs are in the terms and conditions. Lack of transparency.

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

Even though I was well ahead of my minimum monthly repayments. HUMM90 still charged me a dishonour fee because a scheduled payment didn’t go through.… Read more

Also there is the $9.95 monthly account fee on top of the yearly fee. On top of the terrible customer service.

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've held a Diamond Rewards Visa credit card (and its predecessors) on a fee-free basis for over 30 years. For me, its most useful feature is the… Read more

free travel insurance, especially as I travel overseas several times a year. Otherwise it’s nothing particularly special, compared with my Amex points earning credit card.

I was happy to keep it on a complimentary basis, but a few days ago I received an email from CBA stating that they had been providing this card fee-free in error, and to correct their mistake they would start charging me $32 per month.

Well, of course, I wasn't happy to accept this, and contacted CBA by phone. The agent I spoke to basically said too bad, you’ll just have to wear it. I wasn’t particularly surprised by this response, and had prepared for this eventuality, so I asked the agent to close my account there and then.

To my mind this is just another example of how rapacious the CBA has become, in extracting the last cent from its customers. I also have similar complimentary credit cards with other banks and they have not (yet) pulled the same stunt as CBA.

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

If I specifically designed a bank application process to be as difficult and confusing as possible, it would look a lot like the application for this… Read more

Westpac card. Applied online, uploaded my documents, Westpac helpfully confirmed my ID was verified… and then few days later asked me to verify it again online. Dutifully did so. Then Westpac asked me to go to a branch and get the branch to verify my ID in person and ask them to call someone at Westpac to confirm that Westpac had, in fact, verified my ID. Again I complied. At the branch, the Westpac staff called one call center team at Westpac, got redirected to another, and a 30 minute wait. Told someone would call me back instead. Two hours later, I got that call… from a team who said they couldn’t actually help and that all looked ok on their end and to speak with another team. Cue another hour on hold, and a very confused conversation about verifying my ID. By this point, it felt like Westpac was deliberately trolling me. They still keep sending emails saying “Your application requires action” and to attend a branch to verify ID and ask Westpac to speak to Westpac.

I’m not concerned about the outcome, I’m just following the steps I’m being asked to take and getting given the total runaround.

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.

I hope this is right. They increased the price for no reason and lowered value of Qantas points for no reason. Show details

worst credit card service I ever get – 1. Direct Debit Disaster Amex’s direct debit setup is supposed to make payments seamless, but it was anything but. I followed their instructions on… Read more

the first statement and set up direct debit a full month before the due date. However, when the due date passed, Amex didn’t charge my account as expected. A few days later, I received an overdue fee and interest charge. Despite doing everything correctly, I was penalized for their failure. This alone was bad, but what followed was even worse. 2. Frustrating App To resolve the issue, I tried reaching out to customer support. The only way to chat online is through their mobile app—there’s no web option. Sadly, the app itself is a nightmare to use. It repeatedly disconnected me, claiming I had been inactive for 5 minutes, even though I was actively typing messages. On one occasion, it cut me off mid-sentence while I was composing a response. 3. Rude Customer Support Due to the app issues, I ended up talking to multiple agents, and the experience only got worse. One agent outright dismissed my concerns, insisting I hadn’t set up direct debit—even though a previous agent had already confirmed that I had. When I asked them to check the system or review previous conversations, they refused and doubled down on their claim. When I requested to speak to a manager, the agent abruptly sent a generic “We haven’t heard from you” message and disconnected the chat, despite me having replied just a minute earlier and actively typing at the 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

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.

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 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!!!

Decent card with a straightforward application, instant conditional approval and full approval minutes after submitting face/licence verfification… Read more

theough the link they SMS. You can then add to wallet and use the card straight away. Balance transfer promo was easy to activate and processed quickly. Payment via direct debit takes 3 days to clear and a fee for bpay is the only downside.

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.

I applied for the card (I am on Disability Support Pension) in June 2021. After providing additional information requested regarding my assets, the… Read more

card was approved for a generous limit. The staff processing the application were lovely, and very helpful. I was expecting to get knocked back but was pleasantly surprised to be approved.

I’m an NDIS Participant and use this card to pay for most purchases made on my plan. The QF points are just racking up nicely. I’ve had attempted fraud a couple times (apparently the scammers guessed the card details and fluked it once). Bank stopped it and prevented any loss. I even had an attempted fraud on Christmas Day(!) and the bank phoned me and stopped it. They got spooked by one of my allied health providers, but the transaction was legitimate and allowed it no problem once verified.

The purchase protection is very nice, too. I bought a product from a retail store and it failed promptly. The merchant refused to fix it, so the bank charged it back to the merchant. Saved a lot of stress.

I had trouble getting the card to add to Google Wallet on a new phone, so I went into the former Rockingham Branch and the staff looked into it in detail. The lady rang me back the next day, but I couldn’t answer. She left a voicemail with the outcome of their investigation and what needs to be done to get it working. I followed those instructions and voila(!) it worked! I rang her back later that day to thank her. It was a very nice touch. When an employee makes a real effort to assist, it makes a big difference and I feel should be acknowledged :)

The QF points were initially 0.75 per dollar, but this was lowered within the last year. It’s still not too bad, as I still earn tonnes of QF points each month just by paying for regular expenses with it.

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"

I have been with Amex for a very long time. Just recently I wanted to increase the limit. And not by much. I was declined and not even a reason.… Read more

Finances are impeccable. No reason no answers. So cancelled the card. Good luck Amex with your bad service

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!