Average value - watch out for international fees – Customer service is good. For the annual fee, there are better points earners especially if you are into collecting airline points. Our card only earns 0.5 points per dollar whereas others give you 1 for 1. Security is good as well, and the app is easy to use although not the most technically up to date. Be aware that they will charge you a sizeable % of a purchase if your payment happens to head overseas, for example even though you might pay in AUD from a website with an Australian domain, if the money actually is received by an account overseas, you pay an international transaction fee. Lots of card issuers are doing this, but there are still some that don't which is good. Unless the bonus sign up points are high, then I am sure you can get a better card elsewhere.