Best Low Rate Credit Cards

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!!!!

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

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.

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.

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.

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!

I've been a long-term customer with ING. I chose ING over the money-grabbing major banks because they offer great products with NO fees and good… Read more

interest rates on their savings accounts.

I felt a tremendous disappointment today when I received notification from ING informing me that I will now incur an annual fee on my 'no frills' low interest rate Orange one credit card. They have other cards products with all the bells and whistles, which incur higher fees/interest together with other benefits.

Now I'm being penalised (and possibly, subsidising their upmarket products) for electing to not be part of the high-end customer base.

Disgraceful move ING, especially at a time when so many of us are are doing what we can to deal with the ever-increasing cost of living while still having some sort of lifestyle. (To think, I use to sing your praises to my friends).

Hidden Fees and Interest Charges on so-called Cash Advances – I thought I'd buy a lotto ticket. I do this rarely. Once every 5 years. Last time no issue. This time... Commonwealth Bank now sees these as cash… Read more

advances, so I got whacked with a cash advance fee, and interest charges from the day I bought the ticket. I only saw these fees when the statement arrived so had no forewarning that this was happening, or had the opportunity to immediately pay the so called "loan" I didn't realise I was given. Blatant gouging.

After being with ME for over five years, using their popular Frank credits card, three weeks ago received first SMS saying that I overpaid due amount… Read more

and need to take it back or my credit limit will be suspended. I always pay back on time and have never been ask to take back those few extra bucks which would be spent soon anyway. We talking about credit card, yes?! Today I got another SMS warning me that my credit card limit is going to be suspended in July, month from now, and my credit card cancelled mid August. And, sure enough, to repay all outstanding rates before they close my account. Seriously?? First, I couldn't believe then I thought: must be a spam, fake, fraud whatever but not for real. Of course I called ME customer service and was waiting over 40 minutes before I hang up. Later afternoon, same day, I call again and waited well over 20 minutes before I got a nice lady to talk to. When I explained my concerns she assured me that it was true, my credit card is about to be permanently closed. When I asked what would be the reason as I know I did nothing wrong she bluntly replied: we are closing all Frank cards and I can't tell you details because we haven't been told. Still in shock, I asked why I haven't got an email or where on their website customers can read details she answered even more mysteriously: I'll lodge your complaint in writing to my boss... I don't think anyone needs my explanation why I'm now leaving ME bank and closing all of my accounts with them

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.

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.

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

Excellent – I like everything about Newcastle Perm. Great staff. Great products. absolutley nothing to dislike about it. Always available to help etc.

Good Credit Card – I have 8.74% on this credit card, has no interest free days but is a good card to have as a backup. I haven't had to use it overseas, but have used it as a backup to buy appliances and pay it off etc. Show details

Low rate, fine for general transactions, web interface and app terrible – Good solid low rate credit card "does what it says on the box". No rewards, bells or whistles. VISA so accepted widely. Downside is no branches,… Read more

web/mobile interface are absolutely terrible, so pretty reliant on phone banking and online statements to keep up to date on balances/payments. Kept it for years as a good general purpose card, but not cash advances or big purchases where points could be offset by paying off within the month.

Recently I received an email about St George planning some price gouging. After going through an application process and deciding what products… Read more

suits me best, I'm now told From 29 June 2026, your card fee will move from an annual fee of $55 to a monthly fee of $7. This change will start from your next card fee date, which is one year after the date your card fee was last charged. The total fee over the year will be $84.

St George are so dishonest and once they get you locked into a process they take advantage. I understand this is one of Westpac lower quality products and I can now see how they use various brands to take advantage of specific markets, usually the ones that can leat afford it.

Recently I was scanned by Wix taking a payment wit an expired card and wrong CCV and the bank did nothing about it, so what are we paying extra money for?

Hopefully decentralized finance willl mean that banks are no longer required.

Virgin Money Credit Cards-Worst Customer Service in The World!!! – Have tried to contact Virgin Money by phone for a simple inquiry about a transaction. The first time i was put on hold for 1 hour and when i finally… Read more

got connected it disconnected!! Next time i was put on hold for 2 hours and the phone quality was disgraceful, the young woman could hardly speak English!!! Why o why do companys insist on having overseas call centres!!!! Worst customer service ever!!!

DECEPTIVE – 18 months ago I asked my local BOQ to provide me with a low interest credit card, as back up for my main credit card with Westpac. Today I returned… Read more

this card to my local Whitfords branch and asked them to cancel my card. To my amazement the teller girl said my BOQ card was actually on sold to Citibank, yes it was marked BOQ, supplied by BOQ but was provided to me by CITIBANK. The teller asked me to go and ring CITIBANK TO CANCEL, I said no it was BOQ as far as I was concerned. So she rang for me and connected me to CITIBANK. They then tried to give me attitude as to cancelling and there may be cancellation charges, really even though I hadn't used it. So Im not impressed with BOQ. 5 years ago they were than bank to die for. Now they are a shell of a company, only 1 teller per branch, poor service and their management have run this once good bank into takeover territory. I still have my smsf fund with them but after todays deception it wont be long before I find another party to house my monies. Very deceptive bank and misleading so if you have a BOQ credit card, ask them who you are contracted too, its probably citibank!! Im so disappointed in their management, user beware!!