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 program is simply FAULTY MISLEADING and can not good for the businesses contracted to it. Its importantly WRONG for… Read more

customers to believe anything about what the CBA now says or does. Try Aldi, Westfield, BP & about 70% of their headline awards are not available or months and months and months.. Its simply misleading and false advertising.. would lead new customers to be enticed to something that will not happen YET is still advertised. IF its NOT available .. take it down or put up an OBVIOUS NOTICE. DON"T FALL FOR IT.

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 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

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.

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.

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.

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.

Would not recommend. Firstly, I question their standards or service. I had to contact them on multiple instances to check on the progress of my… Read more

application. After a few rounds of supplying more informationand documentation again more waiting. The least professional "credit card" application and the most convoluted process I have dealt with. Was a complete waste of time and effort.

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

What a disgrace! I was railroaded into taking up a “special offer” that I was “eligible” for. Sounded great. I could put my balance (which was… Read more

around $1300.00) on a reduced interest rate. Sounded fine. I usually pay my card monthly and have no interest but just in case with Christmas coming- I thought that’s a good deal I should take it. I paid off my card as usual. Then got the letter from them stating I owed $35. I was led to believe I’d only pay the interest on what was left at the end of the month if anything. So they scammed me. I felt completely scammed. This was no special offer. This was extracting money from a customer who would normally not pay interest. I got stitched up. So I called them and asked them to explain themselves and to return the $35. ONE HOUR, I was on the phone to them for 1 hour (see attached screen shot) mostly on hold waiting to talk to a manager. Finally, since no manager seemed available, they said a manager would call me. That was a week ago. Still no manager has called. I think these guys are appalling. This is a financial institution. We are meant to trust them with our money. No, they are scammers! No customer service, no assistance and sleazy tactics to extract money from you. Disgusting service.

It's so frustrating i still couldn't log in. Id like to check the activities of my account on a regular basis but seems impossible when the system… Read more

wasn't working. I've asked for a new card. I called 3 times to activate it and it's each time I was told they couldn't help me as the system is not working and again i was told try to call again next time.

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.

Platinum in arrogance, tin in customer service. No rating for intellect. I have no words for the lunacy below. I opened a Macquarie Platinum… Read more

Transaction Account 20 days ago. I am still waiting for my card to arrive. I tried the online chat a number of times - it says this is the quickest way. I haven't had an answer to my queries either time I tried. A reassuring message comes up when you start the chat that not to worry, do other things, you won't lose the chat. Well I wasn't doing that but the chat responders sure were. So then I called. Eventually I got through to someone. He asked me what date I opened the account. That was the day my card was sent, he said. Miraculous. I opened my account in the evening. Twenty four hour service is there? Regardless, it hasn't arrived. I live in the city. My fence/letterbox is on the footpath border. I request nothing to be sent to my residential address due to the theft rate. I have a post office box for mailing. I have had it for more than 30 years. But no, not Macquarie Bank. To quote "your card was issued to your residential address at the time of account opening on (date provided). As part of our security procedures, the initial debit card linked to a Macquarie Platinum Transaction Account is sent to the residential address. The standard delivery timeframe is 5 to 10 business days via regular post.

If you have not received your card within this period, you may order a replacement to your mailing address by following the instructions in our Help Centre article.

Yep, for security procedures Macquarie Banks sends their cards to a residential address, even when advised that it is not a secure option, and that there is a post office box available for secure delivery. And now that it has gone missing, in the hands of who knows, with my details handed over to them courtesy of the card, Macquarie Bank now feels secure, and I can go on line and find out how to request a replacement card to be sent to my post office box.

Wow.

One last comment - a question this time. We are overwhelmed with warnings about theft, ID theft, fraud, ETC. Why the hell isn't Macquarie Bank (and every other bank) sending cards via registered mail?

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.

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.

When it comes to finance, avoid this brand like the plague.. You’ll have more trouble than good, countless headaches, pointless calls and time spent… Read more

following them up on basic account matters.

The worst part is when you realise this it’s too late since your account is now active.. so getting it closed is a direct trip down memory lane, again going through all of the above.

Save yourself all of it and go with a bank with onshore support.

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

The NAB Rewards card application process was an absolute nightmare. I had to call their representatives at every single step, I must have called… Read more

around 20 times. The two representatives were completely unhelpful; one of them was unreachable, and the entire system feels outdated and inefficient. I don’t understand why I was asked to email documents instead of having the option to upload them online.

The whole process and their call centre felt like a scam. They asked intrusive and nonsensical questions, such as why my investment property lease wasn’t between me and the tenant directly. Since when is a lease ever under the landlord’s name rather than the property agent’s?

After all this hassle, NAB charged me $195 for the annual fee instead of the $95 first-year fee advertised on their website as the current offer. To top it off, I am now receiving spam messages from scammers about my Rewards Platinum card, which raises serious concerns about an information leak.

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.