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.

Can we help you to refine your reviews search?

Popular review categories:

Search reviews by:

Just researching? Compare all credit cards or check out our credit card guides

Write a review

Recent credit card reviews

Sort reviews by: date | helpful vote | thumbs up | thumbs down
  • NAB

    NAB credit card review

    Rare customer service

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    I am very disappointed with the bank because of the customer service. You don't feel secure or welcoming as there isn't a friendly smile given or a how are you today. I have been with the bank for 55 years and I don't want to leave so I just put u...  Full review 

    I am very disappointed with the bank because of the customer service. You don't feel secure or welcoming as there isn't a friendly smile given or a how are you today. I have been with the bank for 55 years and I don't want to leave so I just put up with it.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB credit card reviewed by Gwenda from Victoria

    Was this review helpful? Yes flag

  • ANZ

    ANZ credit card review

    I love ANZ

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    I have been with ANZ for 38 years, best ever and never would swap.  Full review 

    I have been with ANZ for 38 years, best ever and never would swap.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ credit card reviewed by Jo

    Was this review helpful? Yes flag

  • HSBC

    HSBC credit card review

    High interest rate and poor customer service

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    The credit card was awarded as part of an interest free option provided by JB-Hifi. HSBC have been able to provide a higher credit limit than their competitors. The terms were never provided in a clear concise manner, and the interest rate is ...  Full review 

    The credit card was awarded as part of an interest free option provided by JB-Hifi. HSBC have been able to provide a higher credit limit than their competitors. The terms were never provided in a clear concise manner, and the interest rate is completely unreasonable. HSBC will try to contact you before the due date of repayments, and will suspend the card once a payment agreement has been reached, but not before. Customer service in general also leaves a lot to be desired.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    HSBC credit card reviewed by Shaun from Western Australia

    Was this review helpful? Yes flag

  • GE Money

    GE Money credit card review

    Customer friendly card

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    The Gem Card is great but opening it up to every day transaction in my thoughts makes it too easy to clock up fees. I do however love that's it's given me a chance to have that emergency cash on hand for things like car breakdowns, school camp fee...  Full review 

    The Gem Card is great but opening it up to every day transaction in my thoughts makes it too easy to clock up fees. I do however love that's it's given me a chance to have that emergency cash on hand for things like car breakdowns, school camp fees etc things that pop up at the worst times. Still the interest is a little steep but it's competitive with most cards out there.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    GE Money credit card reviewed by Toni-ann

    Was this review helpful? Yes flag

  • Citibank

    Citibank credit card review

    Don't be afraid to switch!

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    We were loyal ANZ Credit Card customers for 20 years and all they did was raise the fees and charges so we went to CitiBank and we're amazed at how there are no charges, great rewards, lots of added extras like free wine when you dine at certain e...  Full review 

    We were loyal ANZ Credit Card customers for 20 years and all they did was raise the fees and charges so we went to CitiBank and we're amazed at how there are no charges, great rewards, lots of added extras like free wine when you dine at certain establishments and great online billing! I wish we'd done this years ago.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Citibank credit card reviewed by Jo from New South Wales

    Was this review helpful? Yes flag

  • NAB

    NAB credit card review

    Great product and value

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    NAB 0% balance transfer is great. One of the best features is the ability to lower your credit limit online whenever you need. This is particularly helpful if you want to lower your limit as you make repayments to ensure you can't increase spendin...  Full review 

    NAB 0% balance transfer is great. One of the best features is the ability to lower your credit limit online whenever you need. This is particularly helpful if you want to lower your limit as you make repayments to ensure you can't increase spending on the card


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB credit card reviewed by Daniel from Western Australia

    Was this review helpful? Yes flag

  • Citibank

    Citibank credit card review

    Good service

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    The Citibank card is great I can use it anywhere and the interest rate is very competitive. They have a bonus feature where if I buy something say a pair of shoes for $100 and the next week they go on sale for $80 Citibank will refund the $20 all ...  Full review 

    The Citibank card is great I can use it anywhere and the interest rate is very competitive. They have a bonus feature where if I buy something say a pair of shoes for $100 and the next week they go on sale for $80 Citibank will refund the $20 all you need to do is call them. I have used this feature many times this year.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Citibank credit card reviewed by Chris from Western Australia

    Was this review helpful? Yes flag

  • Westpac

    Westpac credit card review

    Good credit card detection/protection

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    Liked the credit card (Visa) support and security in identifying and acting on unauthorised purchases. Prompt pick up and barring of my card picked up bogus purchase saving me significant loss of money.  Full review 

    Liked the credit card (Visa) support and security in identifying and acting on unauthorised purchases. Prompt pick up and barring of my card picked up bogus purchase saving me significant loss of money.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Westpac credit card reviewed by Michael from Western Australia

    Was this review helpful? Yes flag

  • NAB

    NAB credit card review

    Great rates and bonuses

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    Credit card rates and fees are competitive. I have been able to use the card to collect additional points through qantas which allows me to carry out my other love of travelling with the family.  Full review 

    Credit card rates and fees are competitive. I have been able to use the card to collect additional points through qantas which allows me to carry out my other love of travelling with the family.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB credit card reviewed by Janet from Western Australia

    Was this review helpful? Yes flag

  • Commonwealth Bank

    Commonwealth Bank credit card review

    Clever credit card

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    My credit card experience has been simple, breezy and easy. My card lets me travel, get me through to payday.  Full review 

    My credit card experience has been simple, breezy and easy. My card lets me travel, get me through to payday.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Commonwealth Bank credit card reviewed by Liam from Victoria

    Was this review helpful? Yes flag

  • ANZ

    ANZ credit card review

    Awesome

    1. Overall customer rating
    2. (Reviewed about 1 hour ago)

    ANZ credit card with 50000 free qantas ff points. Easiest thing to sign up for as everyone knows me by name in my branch. Couldn't go wrong there.  Full review 

    ANZ credit card with 50000 free qantas ff points. Easiest thing to sign up for as everyone knows me by name in my branch. Couldn't go wrong there.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ credit card reviewed by Sheree

    Was this review helpful? Yes flag

  • ANZ

    ANZ credit card review

    It's not horrible, but not amazing

    1. Overall customer rating
    2. (Reviewed about 2 hours ago)

    It's convenient enough, I personally haven't had that many problems with them but a lot of my friends and family who are also with them have.  Full review 

    It's convenient enough, I personally haven't had that many problems with them but a lot of my friends and family who are also with them have.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    ANZ credit card reviewed by Donna from Western Australia

    Was this review helpful? Yes flag

  • Bankwest

    Bankwest credit card review

    Professional, reliable and customer service

    1. Overall customer rating
    2. (Reviewed about 2 hours ago)

    I like this bank as it is professional, has great customer service and is conveniently located in our town. The services provided are great.  Full review 

    I like this bank as it is professional, has great customer service and is conveniently located in our town. The services provided are great.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Bankwest credit card reviewed by Michelle from Western Australia

    Was this review helpful? Yes flag

  • Citibank

    Citibank credit card review

    Best rates, best customer service and easy to use

    1. Overall customer rating
    2. (Reviewed about 2 hours ago)

    Is the absolute best in customer service and ease of use. The only change would be a way of using reward points bonus to pay annual fees and maybe linked to flybuys. We are moving toward this being our primary card.  Full review 

    Is the absolute best in customer service and ease of use. The only change would be a way of using reward points bonus to pay annual fees and maybe linked to flybuys. We are moving toward this being our primary card.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Citibank credit card reviewed by Lee

    Was this review helpful? Yes flag

  • HSBC

    HSBC credit card review

    Scripted customer service

    1. Overall customer rating
    2. (Reviewed about 3 hours ago)

    I was not advised of the terms and conditions of the interest before I signed up, I was given very vague information. There is no assistance with payments because of situation where I am unemployed due to two deaths in my family. I do not feel lik...  Full review 

    I was not advised of the terms and conditions of the interest before I signed up, I was given very vague information. There is no assistance with payments because of situation where I am unemployed due to two deaths in my family. I do not feel like a valued customer but a sale.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    HSBC credit card reviewed by Karina from South Australia

    Was this review helpful? Yes flag

  • NAB

    NAB credit card review

    Great customer service but lack of clarity

    1. Overall customer rating
    2. (Reviewed about 3 hours ago)

    The major point of disappointment was that I was sold my credit card on inaccurate information about its features. If the information had have been made clearer to me I could have made a better decision. Otherwise customer service has always been ...  Full review 

    The major point of disappointment was that I was sold my credit card on inaccurate information about its features. If the information had have been made clearer to me I could have made a better decision. Otherwise customer service has always been fantastic both over the phone and in branch.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB credit card reviewed by Ellie from Queensland

    Was this review helpful? Yes flag

  • Westpac

    Westpac credit card review

    Good card, terrible travel insurance

    1. Overall customer rating
    2. (Reviewed about 3 hours ago)

    This credit card has a travel insurance policy. Never rely on the fact that they will cover you, as on two occasions they let me down by fine print. Totally unreliable travel insurance.  Full review 

    This credit card has a travel insurance policy. Never rely on the fact that they will cover you, as on two occasions they let me down by fine print. Totally unreliable travel insurance.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Westpac credit card reviewed by Naresh from Queensland

    Was this review helpful? Yes flag

  • American Express

    American Express credit card review

    Good online facilities

    1. Overall customer rating
    2. (Reviewed about 4 hours ago)

    Merchants in Australia charge too much to use the card thus acts as a disincentive to have the card. Plus is that Amex give 1 FF qantas for every dollar whereas visa give you 1 point for $2 spend.  Full review 

    Merchants in Australia charge too much to use the card thus acts as a disincentive to have the card. Plus is that Amex give 1 FF qantas for every dollar whereas visa give you 1 point for $2 spend.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    American Express credit card reviewed by Roger from South Australia

    Was this review helpful? Yes flag

  • Commonwealth Bank

    Commonwealth Bank credit card review

    Great customer service, however no rewards

    1. Overall customer rating
    2. (Reviewed about 4 hours ago)

    I went through the Commonwealth bank for a credit card as all my accounts are with them. They have great service both online, on the phone or in branch. I was a little bit disappointed in this card as it doesn't offer any rewards. I rang to a...  Full review 

    I went through the Commonwealth bank for a credit card as all my accounts are with them. They have great service both online, on the phone or in branch. I was a little bit disappointed in this card as it doesn't offer any rewards. I rang to ask about this but was told they don't offer it and felt I should've been told this when signing up as maybe I could've chosen a different card. Overall though it is a good credit card just without the rewards.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Commonwealth Bank credit card reviewed by Kristy from Victoria

    Was this review helpful? Yes flag

  • Westpac

    Westpac credit card review

    Easy to read our accounts

    1. Overall customer rating
    2. (Reviewed about 4 hours ago)

    Customer service is every thing we could want, fees are kept to a minimum, and the staff go out of their way to make sure we are comfortable with what we are signing up to.  Full review 

    Customer service is every thing we could want, fees are kept to a minimum, and the staff go out of their way to make sure we are comfortable with what we are signing up to.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Westpac credit card reviewed by Alan from New South Wales

    Was this review helpful? Yes flag

  • American Express

    American Express credit card review

    Loyalty program excellent

    1. Overall customer rating
    2. (Reviewed about 5 hours ago)

    American Express has a good loyalty program with Qantas, can use in most places although some stores don't take it as they have to pay a commission, but overall good.  Full review 

    American Express has a good loyalty program with Qantas, can use in most places although some stores don't take it as they have to pay a commission, but overall good.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    American Express credit card reviewed by Lynda from Western Australia

    Was this review helpful? Yes flag

  • Westpac

    Westpac credit card review

    Upgraded recently, much better

    1. Overall customer rating
    2. (Reviewed about 5 hours ago)

    In the past I have had conflicting information from this bank which was only rectified by the manager. I have had good communication with the manager, very helpful .  Full review 

    In the past I have had conflicting information from this bank which was only rectified by the manager. I have had good communication with the manager, very helpful .


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Westpac credit card reviewed by Mirianna from Queensland

    Was this review helpful? Yes flag

  • NAB

    NAB credit card review

    Good customer service

    1. Overall customer rating
    2. (Reviewed about 5 hours ago)

    NAB are an honest and reliable service.  Full review 

    NAB are an honest and reliable service.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB credit card reviewed by Tanya from South Australia

    Was this review helpful? Yes flag

  • Bankwest

    Bankwest credit card review

    The very best in Australia for credit cards

    1. Overall customer rating
    2. (Reviewed about 5 hours ago)

    Has the best interest charges of all the banks and credit unions. Staff are fantastic and lovely to deal with.  Full review 

    Has the best interest charges of all the banks and credit unions. Staff are fantastic and lovely to deal with.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    Bankwest credit card reviewed by Rebecca from Australian Capital Territory

    Was this review helpful? Yes flag

  • NAB

    NAB credit card review

    Fantastic balance transfer rate

    1. Overall customer rating
    2. (Reviewed about 6 hours ago)

    Branches throughout Australia. Have always been pleasant to deal with. Fantastic introductory interest rate on balance transfer.  Full review 

    Branches throughout Australia. Have always been pleasant to deal with. Fantastic introductory interest rate on balance transfer.


      1. Price
      1. Features
      1. Customer service
      1. Convenience
      1. Trust
    Less
    NAB credit card reviewed by Tony from Western Australia

    Was this review helpful? Yes flag

What type of credit card are you looking for?

More recently reviewed credit cards

  • 9.3
    based on
    258 reviews

    Community First credit cards

    Overall rating: 9.4 (258 reviews)*

    Last reviewed: 15 September 2014


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    Community First credit cards
  • 8.3
    based on
    20 reviews

    ME Bank credit cards

    Overall rating: 8.3 (20 reviews)*

    Last reviewed: 15 August 2014


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    ME Bank credit cards
  • 8.0
    based on
    17 reviews

    Heritage Bank credit cards

    Overall rating: 8.0 (17 reviews)*

    Last reviewed: 21 August 2014


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    Heritage Bank credit cards
  • 8.0
    based on
    72 reviews

    Bendigo Bank credit cards

    Overall rating: 8.0 (72 reviews)*

    Last reviewed: 29 September 2014


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    Bendigo Bank credit cards
  • 8.0
    based on
    121 reviews

    Bankwest credit cards

    Overall rating: 8.0 (121 reviews)*

    Last reviewed: 27 September 2014


    1. Overall customer rating
    1. Price
    1. Features
    1. Customer service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    Bankwest credit cards

People's Choice Awards

Every bank claims to be the smartest, happiest, friendliest - but how are you supposed to choose between them? Trust the people's choice. Mozo presents Australia's largest banking survey of more than 25,000 real customer reviews, with an honour roll of the best credit card, home loan, savings account, and of course the best bank. So what say the people?

People's Choice Awards.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.