A great, hassle free credit card with a few bonuses
I changed to this card in March this year, choosing to consolidate two cards into one. This Low Rate Gold cards has a reasonable credit limit, low interest rate and low annual fee as well. There are no excess fees when using it overseas - other than the normal international transaction fee - and you get travel insurance included, which was an automatic saving of over $150 for me. The staff at the bank are always friendly and don't try and push increased credit limits, and their online banking system is the best I've seen. Highly recommended and great product.
New to card, so far good
Includes free travel insurance, but not when you are over 80 or have minor pre existing health conditions,
additional cost (not cheap) handled by Alliance, 5 weeks Europe nearly $ 900
Until today was happy customer BUT FEATURES ARE TOTALLY WRONG & MISLEADING!!
Features in the website and brochure, says a lot but there's a hidden cost, which is not even mentioned in the terms and conditions which is available in online and Hard copy brochure. So Be careful, if you are attracted towards it due to its attractive features from online, word of mouth and etc.
Thought good to have 1 now totally confused!!
Misleading terms and conditions, didn't find the excess fee even while went through all the available online BANK'S T&C's thoroughly(each and every word)
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