Credit card reviews

Read the latest credit card reviews from the Mozo community. Thousands of Australians have reviewed their credit card provider to give you the low down on everything from rewards programs to the best balance transfer deals.

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Woolworths

Woolworths Qantas Platinum Credit Card credit card review

Overall rating   2 / 10

Removal of loyalty program detrimental

Since they removed the Qantas Frequent Flyer program they are of no further use to me.
Full review

Since they removed the Qantas Frequent Flyer program they are of no further use to me.

    Price   5 / 10

    Features   0 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   1 / 10

Less

Peta julie (NSW), reviewed about 7 hours ago

Was this review helpful? Yes

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Heritage Bank

Heritage Bank credit card review

Overall rating   7 / 10

Always helpful.

Always helpful from day 1, 13 years ago. Appreciate rewards program attached to credit card usage, a great incentive.
Full review

Always helpful from day 1, 13 years ago. Appreciate rewards program attached to credit card usage, a great incentive.

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Andrew (QLD), reviewed about 7 hours ago

Was this review helpful? Yes

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Commonwealth Bank

Commonwealth Bank Low Fee Gold Credit Card credit card review

Overall rating   7 / 10

Customer service is second to none

Security is very good
Full review

Security is very good

    Price   6 / 10

    Features   -1 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Alan (VIC), reviewed about 7 hours ago

Was this review helpful? Yes

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Westpac

Westpac Altitude Black (Rewards) credit card review

Overall rating   2 / 10

Interest is unmanageable

Interest is unmanageable
Full review

Interest is unmanageable

    Price   1 / 10

    Features   4 / 10

    Customer service   1 / 10

    Convenience   4 / 10

    Trust   6 / 10

Less

Tarryn (NSW), reviewed about 7 hours ago

Was this review helpful? Yes

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Citibank

Citibank credit card review

Overall rating   7 / 10

Good card.

Good card.
Full review

Good card.

    Price   6 / 10

    Features   7 / 10

    Customer service   4 / 10

    Convenience   8 / 10

    Trust   5 / 10

Less

Sarah (NSW), reviewed about 8 hours ago

Was this review helpful? Yes

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Commonwealth Bank

Commonwealth Bank Business Platinum Awards credit card review

Overall rating   10 / 10

Nice

Good

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Rashed (NSW), reviewed about 8 hours ago

Was this review helpful? Yes

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ANZ

ANZ credit card review

Overall rating   10 / 10

Customer Service Maniac and I love it!

Their customer service is amazing and how they thoroughly explain what we want is awesome
Full review

Their customer service is amazing and how they thoroughly explain what we want is awesome

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Andrea (QLD), reviewed about 8 hours ago

Was this review helpful? Yes

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Coles

Coles Rewards MasterCard credit card review

Overall rating   10 / 10

Best ever

Love the fact it linked in with flybuys
Full review

Love the fact it linked in with flybuys

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Patricia (QLD), reviewed about 8 hours ago

Was this review helpful? Yes

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ANZ

ANZ Frequent Flyer Platinum credit card review

Overall rating   8 / 10

Great customer service and excellent travel insure

We have banked with the ANZ for about 30 years and they have always been very good and helpful if we had any problems. The Credit card (platinum frequent flyer) is very good and has good travel insce included.
Full review

We have banked with the ANZ for about 30 years and they have always been very good and helpful if we had any problems. The Credit card (platinum frequent flyer) is very good and has good travel insce included.

    Price   8 / 10

    Features   9 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Neridah (NSW), reviewed about 8 hours ago

Was this review helpful? Yes

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ANZ

ANZ credit card review

Overall rating   7 / 10

Great service

Good rates
Full review

Good rates

    Price   6 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Sam (SA), reviewed about 8 hours ago

Was this review helpful? Yes

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Commonwealth Bank

Commonwealth Bank Gold Awards Credit Card credit card review

Overall rating   5 / 10

Too expensive to keep the card.

It is a major bank, the queuing is shocking. There is no free phone number to call
Full review

It is a major bank, the queuing is shocking. There is no free phone number to call

    Price   4 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   4 / 10

Less

Julie (VIC), reviewed about 8 hours ago

Was this review helpful? Yes

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Westpac

Westpac credit card review

Overall rating   8 / 10

The rates and rewards are good and quick .

The application process was very fast and I had an answer in no time at all.
Full review

The application process was very fast and I had an answer in no time at all.

    Price   7 / 10

    Features   8 / 10

    Customer service   -1 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Richard (NSW), reviewed about 8 hours ago

Was this review helpful? Yes

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St.George

St.George credit card review

Overall rating   5 / 10

Ordinary bank

Not the best bank, are good when they have deals on but their normal fee's are awful
Full review

Not the best bank, are good when they have deals on but their normal fee's are awful

    Price   7 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Jazmine (WA), reviewed 3 days ago

Was this review helpful? Yes

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ANZ

ANZ credit card review

Overall rating   3 / 10

Credit card interest rates are ridiculous

They sent me a credit card i couldn't afford and i got stuck with it for 5 years. Don't want to know what it cost me in the end, possibly thousands. Banks suck, it is an essential service. $5 a month for an essential service.
Full review

They sent me a credit card i couldn't afford and i got stuck with it for 5 years. Don't want to know what it cost me in the end, possibly thousands. Banks suck, it is an essential service. $5 a month for an essential service.

    Price   1 / 10

    Features   1 / 10

    Customer service   5 / 10

    Convenience   3 / 10

    Trust   3 / 10

Less

Simon (VIC), reviewed 3 days ago

Was this review helpful? Yes

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Commonwealth Bank

Commonwealth Bank Low Fee Student Credit Card credit card review

Overall rating   10 / 10

I love this this bank because it has great service

This bank is good with helping you if you need help with your credit card
Full review

This bank is good with helping you if you need help with your credit card

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Portia (ACT), reviewed 3 days ago

1 person found this review helpful – do you? Yes

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Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   5 / 10

Convenience

Why so many fees and charges when the bank records such a high profit!?!
Full review

Why so many fees and charges when the bank records such a high profit!?!

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Donella (NSW), reviewed 10 days ago

Was this review helpful? Yes

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American Express

American Express Essential Credit Card credit card review

Overall rating   7 / 10

can't withdraw cash at ATM

Good rewards system, no fees. BUT - can't withdraw cash at ATM, and can't use at many places. Good for ebay purchases.
Full review

Good rewards system, no fees. BUT - can't withdraw cash at ATM, and can't use at many places. Good for ebay purchases.

    Price   8 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   4 / 10

    Trust   9 / 10

Less

Jennifer (VIC), reviewed 10 days ago

Was this review helpful? Yes

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NAB

NAB Premium Card credit card review

Overall rating   9 / 10

Great to deal with.

We have been with NAB for years now, and have mostly found them to be very personable to deal with.
Full review

We have been with NAB for years now, and have mostly found them to be very personable to deal with.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   6 / 10

    Trust   10 / 10

Less

Karen (VIC), reviewed 10 days ago

Was this review helpful? Yes

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Citibank

Citibank credit card review

Overall rating   6 / 10

Great customer service.

We had our card hacked and Citibank were right on to it. Cancelled our card and the fraudulent transactions.
Full review

We had our card hacked and Citibank were right on to it. Cancelled our card and the fraudulent transactions.

    Price   3 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   3 / 10

    Trust   4 / 10

Less

Jenny (QLD), reviewed 10 days ago

Was this review helpful? Yes

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Westpac

Westpac credit card review

Overall rating   5 / 10

Which bank

Much of a muchness. All the major banks are pretty much the same. However check new products across the banking sector every year for a better deal.
Full review

Much of a muchness. All the major banks are pretty much the same. However check new products across the banking sector every year for a better deal.

    Price   6 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   3 / 10

Less

Peter (WA), reviewed 10 days ago

1 person found this review helpful – do you? Yes

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Commonwealth Bank

Commonwealth Bank Low Fee Gold Credit Card credit card review

Overall rating   2 / 10

Not happy Jan !!!

No rewards. Interest too high. They make too much profit. Sorry!!!
Full review

No rewards. Interest too high. They make too much profit. Sorry!!!

    Price   2 / 10

    Features   3 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   1 / 10

Less

Jay (WA), reviewed 10 days ago

Was this review helpful? Yes

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Commonwealth Bank

Commonwealth Bank Low Rate Gold Credit Card credit card review

Overall rating   10 / 10

I won't be changing

Very good
Full review

Very good

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Leonie (NSW), reviewed 11 days ago

Was this review helpful? Yes

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Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   8 / 10

Staff care and know what they're doing.

CBA dealt swiftly with an attempt of Credit Card fraud on my account. They were great.
Full review

CBA dealt swiftly with an attempt of Credit Card fraud on my account. They were great.

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Linda (NSW), reviewed 17 days ago

Was this review helpful? Yes

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ANZ

ANZ Frequent Flyer credit card review

Overall rating   10 / 10

Good customer service

Been with this bank for ages and find them pretty good.
Full review

Been with this bank for ages and find them pretty good.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Sharlene (WA), reviewed 18 days ago

Was this review helpful? Yes

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Westpac

Westpac credit card review

Overall rating   6 / 10

Great customer service and competitive premiums.

Friendly and helpful we have had no problems with Westpac in the 10 years we have been banking with them.
Full review

Friendly and helpful we have had no problems with Westpac in the 10 years we have been banking with them.

    Price   4 / 10

    Features   4 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Mark (SA), reviewed 18 days ago

Was this review helpful? Yes

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Credit card comparisons on Mozo Rates updated daily

  • American Express Essential Credit Card

    American Express Essential Credit Card

    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • 0% p.a. on balance transfers for the first 12 months

    balance transfer rate

    0% for 12 months

    purchase rate

    14.99%

    annual fee

    $0

    Go to site

    More info

    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • 0% p.a. on balance transfers for the first 12 months
    Product info
    • Balance transfer rate: 0% for 12 months
    • Annual fee: $0
    • Purchase rate: 14.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • Bank of Melbourne Vertigo Platinum

    Bank of Melbourne Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a on purchases for the first 4 months
    • $99 annual fee

    balance transfer rate

    0% for 20 months

    purchase rate

    0.99% for 4 months then 12.74%

    annual fee

    $99

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a on purchases for the first 4 months
    • $99 annual fee
    Product info
    • Balance transfer rate: 0% for 20 months
    • Annual fee: $99
    • Purchase rate: 0.99% for 4 months then 12.74%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.8

    Based on 69 Bank of Melbourne credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply

    balance transfer rate

    purchase rate

    19.99%

    annual fee

    $425 $0 in the first 1 year

    Go to site

    More info

    • 75,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply
    Product info
    • Balance transfer rate:
    • Annual fee: $425 $0 in the first 1 year
    • Purchase rate: 19.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • St.George Vertigo Platinum

    St.George Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a. on purchases for the first 4 months
    • $99 annual fee

    balance transfer rate

    0% for 20 months

    purchase rate

    0.99% for 4 months then 12.74%

    annual fee

    $99

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a. on purchases for the first 4 months
    • $99 annual fee
    Product info
    • Balance transfer rate: 0% for 20 months
    • Annual fee: $99
    • Purchase rate: 0.99% for 4 months then 12.74%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.0

    Based on 330 St.George credit card reviews

    Need more information?
    Go to site

    More info

  • NAB Low Rate Card

    NAB Low Rate Card

    • Make purchases with our lowest interest rate and longest interest-free period
    • 0% p.a on balance transfers for 24 months (with 2.5% balance transfer fee)
    • Secure online application. Get a response in 60 seconds.

    balance transfer rate

    0% for 24 months (2.50% balance transfer fee)

    purchase rate

    13.99%

    annual fee

    $59

    Go to site

    More info

    • Make purchases with our lowest interest rate and longest interest-free period
    • 0% p.a on balance transfers for 24 months (with 2.5% balance transfer fee)
    • Secure online application. Get a response in 60 seconds.
    Product info
    • Balance transfer rate: 0% for 24 months (2.50% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 13.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.2

    Based on 1409 NAB credit card reviews

    Need more information?
    Go to site

    More info

  Compare

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About Mozo Reviews

Mozo gives you the inside story on the best banking and insurance products as rated by thousands of real customers around Australia.

We don't make subjective judgments, nor do advertisers influence our ratings.

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