Best Frequent Flyer & Travel 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.

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 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'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 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

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 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

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.

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

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.

Excellent – I'm a fan of this card, and would recommend it to anyone. I use it for all my grocery purchases and anything else I can think of! I've had this card… Read more

for three years now, and love that Amex always has special offers or sometimes surprises me with extra FF points - in my time I have accumulated almost 150,000 points. I decided this year that I couldn't afford the annual fee so tried to cancel and they waived the fee, and waived the supplementary card fees as well for my family.

Customer service is always impeccable. I also like that travel insurance is included and that you get Qantas Club invites, as well as the 1.25 points per dollar spent. This card is really worth it. I would have said the annual fee!

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.

I recently changed my credit card from an ANZ Frequent Flyer Black (FFB) to an ANZ First Credit Card as I couldn’t stomach the annual fee on the FFB… Read more

card any longer. At the point in time when I activated my new ANZ First Card, which de-activated the FFB card (since it was a change of card request), a fraudulent transaction was posted against the FFB card number. ANZ claims that this transaction was performed by someone cloning my old card (even though my card never left my possession and the transaction was posted in a different state). Seems very coincidental that this transaction happened at exactly the moment in time when I activated my new card, which de-activated my old card from Apple Pay/Apple Wallet. And there had been no other fraudulent transactions against this card up to this point in time. My suspicion is that there is an issue in the banking system whereby when a card is deactivated via activating a replacement card type, the deactivated card gets crossed with another cardholders card resulting in a transaction that is in the process of being posted, getting processed against the wrong cardholders card. So please beware when changing credit card types with ANZ Bank and check your account activity if you do to look out for erroneous transactions against your account. Note also that ANZ fraud protection is useless. I posted a POS transaction in my home location less than hour prior to the erroneous transaction being posted and the erroneous transaction was also POS in another state that is over 4 hours away by plane. So why wasn’t this picked up by ANZ as fraud and stopped?

When I was approved for this card in June 2023 It was a good card. I got 80,000 sign on bonus points and get 1 point/$1 spend which these days is… Read more

good.

After the changes they made to the online system late last year it became a mess. It took a few MONTHS from the start to finish. I couldn't access my account on my PC during that time but could in the app. During that time every transaction was either duplicated or tripled (later fixed). They changed the layout of the statement so that you needed a degree to understand it. I lodged a complaint and the person who dealt with it showed almost no interest. I imagine she was overwhelmed with other complaints.

Now there is NO information on the website or the statements to show how many Velocity points are earned. All you see is when they appear in your Velocity account. Imagine that? A points earning card with no details on your points! I've hitched my wagon to Virgin for flying and have now ben approved for an AMEX Velocity card which will be my main card. Unfortunately with Amex you need a backup card as a few business don't accept it otherwise I would have already cancelled the High Flyer card.

I've just noticed that they are no longer accepting new applications for the card "New applications: Applications for a new Virgin Money Credit Card are currently unavailable." Explains a lot. They want to get rid of existing pesky cardholders.

Liars and deceptive cheats. Signed up to a Qantas Platinum credit card based on the "advertised" benefit of Qantas lounge passes, booked eligible… Read more

flights, and then went to book lounge passes at OOL only to find out that OOL is 'EXCLUDED' as are a number of other major airports! Complaint to Qantas Customer Service fell on deaf ears with response basically "too bad so sad". Will be getting rid of this ASAP as it is definitely not worth it without the longe passes. Extremely disappointed in this dodgy airline.

I've had this card for about 3 months and the first month was charged $660 in interest because I never actually received a statement and had to call… Read more

to get it and then my payment was late (I never pay credit cards late), and next statement I paid on time but somehow they still charged me $84 in interest. You also don't receive a statement online, but only transactions. It hasn't been set up properly so wait a couple of years before you get this one - it's really hopeless. I'll be calling them up again tomorrow for answers.

My husband tried to update his information on the phone after being told he needed to send ID info so he sent a photo of the bill just name and… Read more

address and pension card id , to be told they needed a copy of the whole bill , which we have no idea why , so still not able to update his phone number . Anyone would think it would be simple to update for his frequent flyer details . I guess Qantas doesn't want their members to be able to access their account and profile .

This review reflects on poor bank communication and unhelpful , if not intentionally detrimental, processes for customers in the initial setup of the… Read more

ANZ Frequent Flyer Black credit card . My card was activated on 16/1/26 with email communication to this point. Notably, the bank has not sent a physical welcome pack in the post despite a promise to do so on two separate phone calls to the bank's telephone agents. Secondly, after choosing to use CardPay Direct (Direct Debit) as card balance payment method , the CardPay Direct Application form was duly completed and emailed in accordance with the stated instructions on 19/1/26. Notwithstanding, two days later on 21/1/26, the bank requested further information - a copy of the account statement for the bank account to be debited (an item not previously stated as required) - which was duly emailed. The bank advised by reply email on 22/1/26 the CardPay Direct request was successfully processed. Note - NO mention was made in email that direct debit instruction would NOT be actioned for the first (current) statement (issued 19/1/26). A direct debit payment method confirmation letter was eventually received from the Bank in the post on the 3/2/26 (14 days after the email!). This letter DID (belatedly) mention that direct debit instructions set up (22/1/26) after the statement date (19/2/26) would not be processed for any statement with issue date prior to direct debit setup. The payment due date for the first statement was 2/2/26 (the day BEFORE the letter arrived!). My husband, understandably under the circumstances, expected the direct debit instruction, processed 11 days before the statement payment due date (!), to apply automatically and overlooked the payment due date. That is until 4/2/26 (today) when he realised with surprise and annoyance the direct debit did not apply and had to make a (late) manual payment via Bpay (will incur late payment interest). The Bank's policy, process and communication in this instance is unsatisfactory and unfriendly to any new customer that wishes and expects to make card payments on time using direct debit method. In any world where the customer comes first, the Bank ought to have taken a reasonable approach . It ought to have made good on the direct debit instruction (made almost as early as practicable and processed 11 days before the due date!) to the initial statement. Instead, it applied the logic of convenience and advantage for the Bank versus burden and cost to the customer . In reality, it is almost impossible with this Bank's QFF Black credit card setup processes to take advantage of direct debit payment method for the initial monthly statement. This was never made clear by the Bank. I suppose it probably should not come as any surprise. I would caution any prospective new ANZ Frequent Flyer Black customer to make themselves well aware of this trap.

Good reward, but annual fee and points capped at $5000 – the card reward programme itself was quite good, $1 per point on visa card that is one of the highest conversion in the market. sign up offer is very… Read more

attractive at the moment, offering 120000 points, comparing anz 100k. $395 annual fee was ok, they started to charge me annual fee last year even I had multiple home loan with them. in terms of customer service, I don't know why their csc always typing on the computer, and most of the time they were just silent. probably too much chatting with Indian, who is really doing th work, they are just the face in australia.

After three attempts I was finally successful. I am pleased to say that approval only took a day and the card was received in about a week. The… Read more

second attempt went missing after the photo id check was done, no email or an application id. I guess the message is, preserve if you really won’t the card.

It just doesn't make sense! – Stay away from the HSBC credit card. I just realized today that I’ve been charged over $70 (3%) as an overseas transaction fee for an international… Read more

flight from Melbourne, even though the purchase was made on the carrier's .com.au website. I made similar overseas flight purchases using a Westpac Qantas card in 2024, and there was absolutely no “overseas transaction fee.” The so-called “consultant” from HSBC had no intention or ability to negotiate and retain a customer. On top of that, there was another $100 increase in the annual fee for two consecutive years. I’ll be canceling this card soon.

After Suncorp forced us over to My Card it's been nothing but terrible. When over the limit you can't instantly transfer money into the card, it's… Read more

only via BPAY so your money sits in limbo for 3 days before it appears on the credit card. So you can't use the card for 3 days.

And now they've just issued a notice today they are removing the complimentary travel insurance from it in less than 2 months time. I've booked an overseas trip in October with it which I had coverage for. But apparently not now! How is this legal?

I haven't even checked if we're actually still getting Qantas points from it which was what we had with Suncorp.

All our home loans have been with Suncorp for 10 years. Will be moving banks due to this complete lack of honouring agreements and lack of customer service.

Terrible experience as I made a typo on repayment amount, paid $5 less full payment. Then I was interest charged $14 as penalty, followed by interest… Read more

charge on every single dollar spent within 55 days after the miss. It's all running at the background without giving you any notice, until a statement arrives.

Not until I spent 15min getting to their chat I was told all about this. The customer service simply copy and paste all T&C like robot. You should really know how to ask the questions to get a proper answer from them.

I paid full straight away. But the payment could not be made at weekend, and could only be counted on the following Tue. Before then you expect interest charge is still running. So much stress!

While they suggest this can be avoided by setting up Direct Debit, funny is they do old school with print, sign, and postal. They try to stress you by all mean. You need to be smart enough to use this card.

Very Disappointing – Not What You Expect from a “Premium” Card I am extremely disappointed with the American Express Business Platinum Card. For a… Read more

card that markets itself as premium and high-end, the experience has been the complete opposite.

Customer service agents are polite and human, but they operate like robots. They simply repeat scripted responses and show little understanding of the actual issue. It feels like there is no flexibility or real support when you genuinely need help.

The card advertises “no preset spending limit,” but in reality that doesn’t mean much. When you actually need to spend for your business, transactions can still get declined or restricted. It creates uncertainty and defeats the purpose of having a supposed premium business card.

Another frustrating part is that they constantly ask you to make payments well before the due date just to continue using the card. Instead of functioning like a reliable charge card, it feels like you’re being forced to prepay repeatedly.

Overall, the experience feels misleading. The marketing promises flexibility and premium service, but the reality is restrictive and inconvenient.

Honestly, it feels like a scam for the annual fee they charge. Very disappointing. Shame on Amex for promoting something that doesn’t live up to its reputation.

Terrible – The staff who assess the application are unprofessional and rude. They keep changing what are required to support the application, as soon as you… Read more

provide them what they have requested they request something different.. like many times (>3)... They don't call you to discuss anything they just send you emails using a template like robot and even the emails are contradicted... Wasted so much time on this... Wouldn't bother if I knew...