Best Rewards 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.

The Commonwealth Bank Awards gift card choice have been cut back drastically. Making billions of dollars every year is not good enough, they want more. I will now be looking at other bank awards programs and banks.

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.

The Coles credit card system has got to be the worst set up. Even though they are underwritten by NAB or uses the NAB cards, the entire call centre… Read more

is based offshore with the slowest phone services. You are waiting on average 1-2 hours on the phone when speaking to someone who has no idea how to help you because it's a "self-service" based system online. The only problem is the "self-service" system online crashes with "unexpected errors" so frequently, it's surely expected by now. When bringing up things that cannot be processed online without an error - like opening the account or adding an additional account holder, they just stall you for hours over the phone only to tell you nothing can be done. It is not worth the time or effort, seriously look for any alternatives would be better use of your time!

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

Banks are reporting profits by Billions and they are cutting jobs front left and centre.Calling the helpline for a simple query, takes ages to reach… Read more

a person. Spend some of yr bloody profit and hire more people! Ridiculous how banks treat their customers. Wasted almost 1 hr waiting to get someone. Sure ! the bank will say why don't U use the app....issue is yr app locked me out after selecting Bio Metric to access, it still kept asking for password after the bio metric log on. Horrible experience

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.

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.

Very Poor Service AMEX. I have been a very loyal customer since 1997 and spend a lot of money each Month using card. I have never been late paying… Read more

card. I book international flights through AMEX Tavel regularly. On a recent trip to Perth, I booked a hotel with breakfast included. Upon checking in I was informed that breakfast was not included. Upon calling AMEX Travel and sending over 1.5 hrs on the phone they informed me there nothing they could do. AMEX could not have cared less, so I cancelled my card on the spot after 29 years. Loyalty meat nothing to AMEX. They did not even ask why I was cancelling or ask if they could stop me leaving me.

Just cancelled my card with them. They are all good until you have a dispute with a vendor and then they will disappear. Zero trust or protection from Kogan. Pretty important thing to get right for your consumer confidence. Show details

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

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.

So some scammer tried to use my card and the good people caught it and froze my card I rang them they were super helpful and a new card was issued.… Read more

Fast forward 8 days I rang to ask where is the card they issued - id*ots forgot... They promised they would express post it and it will be in my hand in 1/2 days tops. I was given an option of lodging a complaint cause apparently these clowns thought I need to spend more time doing their job by chasing my admin Two days passed - credit card nowhere to be seen. i guess Coles disastercard was not finished wasting my time just yet. I applied for another card and will close Coles sometime this week. Whether it's supermarket or financial services - Coles is not a great choice...

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.

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 – 55 days interest free on my purchases. This card come with a 13 month introductory interest rate which was really low. Statements are easy to… Read more

understand and very informative. Statements can also be viewed online. This card can be printed with your own picture on it to make it personalised. This card has no fees on the swipes. Our $6000 credit limit is really good, easy to manage and pay off. I can see my transactions straight away online internet banking so i can easily track what i am spending. Overall and excellent visa card offered by an excellent bank Great product, The rewards could be better.

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!

Might be good if you can get one! – I'm just talking about the experience of trying to get one. From a person who had a diamond CBA card before moving banks. ING process is all… Read more

automated. They can't help you or tell you why your application was knocked back, no one there knows anything beyond a long list of maybe it's this or that! It's very odd! It might be a good card but... If they can't get the basics right of giving people a card to explaining why not to them would be a good start. Until then, one star it is.

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.

Stay away from installmebt plans and the credit card in grl. I tried to cancel the card and there is always a doggy outstanding interest amount that needs to be paid before cancellation. Every day the amount changes. Show details

Good to deal with – Until I saw this review, I didn't know I got rewards but I'll certainly be asking about it. Good service after 2 years with them, no complaints and low monthly fees compared to my other cards Show details

Cannot recommend this card for international travel if you need a dependable card. WHY: I was on holiday with my family in Europe over Christmas,… Read more

and the ANZ falcon technology falsely flagged my buying tickets to Disneyland Paris as a fraudulant transaction, leading to the card being blocked for use for the entire 4 week trip. POOR SERVICE: When i rang to get the card reinstated, the equally unhelpful and unfriendly ANZ contact person on the telephone helpline was unable to reinstate my card and expected me to recount every minutiae of previous bank transactions by heart while i was at a busy French train station on Xmas eve Dec 2025. If it hadn't had my Wise card on me as a backup, i would have not been able to pick up my rental car that evening and would have been stuck that night. I cancelled the ANZ frequent traveller black card as soon as i got back to Australia. Check out the final invoice ANZ sent me, too. It's for an interest of 93 cents. Ridiculous.

My review is about NAB Mycard customer service. I clicked onto a fraudulent site and my C/C was blocked by Mycard, good on them. This happened… Read more

on the 2nd of June 2026. On the 3rd of June I called for a replacement card and was told it will 7 bizniz days for new card to arrive. In the 12th of June I called about whereabouts of new card. Rep told me that card is way overdue and a new card must be issued and this card will be mailed via Express Post. So today I first called the Post Office where my PO BOX is and they told me nothing has arrived yet. So I called Mycard and asked for the tracking number of the Ecpress Post parcel. She hold me on the phone 23 min, even after saying let me solve this quickly. when she came back I was told she can’t find the tracking number, coz their courier has’nt provided them with one yet. So I asked to speak to her supervisor/manager. After speaking to supervisor I ended the call after 53 min, coz she was just as vague and unknowledgeable as the first. I asked the supervisor for her ID number, she said Mycard does’nt supply ID numbers and she can’t provide a reference via text. She started talking ‘bout COM numbers and I said COM numbers are something new to me, normally the ref. starts with an i fir India. So NAB Mycard customer service truly atrocious, seems like they just waste one’s time and lie in one’s face. VERY VERY UNHAPPY and i still don’t know when my card is going to arrive, if ever.