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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Credit card reviews

NAB credit card 

  • Overall Rating

    3

  • Pricing

    5

  • Product Features

    1

  • Customer Service

    5

  • Convenience

    7

  • Trust

    6

No loyalty program and interest free offers or rate discounts are only given to new customers instead of loyal customers. – Rachel from South Australia, a NAB credit card customer.   Reviewed 1 day ago

Commonwealth Bank credit card 

  • Overall Rating

    9

  • Pricing

    10

  • Product Features

    5

  • Customer Service

    8

  • Convenience

    10

  • Trust

    7

Low fees. – Gail from Queensland, a Commonwealth Bank credit card customer.   Reviewed 1 day ago

St George credit card 

  • Overall Rating

    5

  • Pricing

    5

  • Product Features

    0

  • Customer Service

    8

  • Convenience

    10

  • Trust

    8

Easy to access as it is linked to my other cards. – tania from New South Wales, a St George credit card customer.   Reviewed 1 day ago

Westpac credit card 

  • Overall Rating

    8

  • Pricing

    5

  • Product Features

    2

  • Customer Service

    8

  • Convenience

    8

  • Trust

    8

I don't like the annual fees and no rewards. – Noor from Victoria, a Westpac credit card customer.   Reviewed 1 day ago

Suncorp credit card 

  • Overall Rating

    0

  • Pricing

    1

  • Product Features

    3

  • Customer Service

    1

  • Convenience

    4

  • Trust

    0

Suncorp do NOT honour their word and as advertised do NOT work with customers... Suncorp's overall aim is profits...customer service is at the bottom of the list. – Peter from Queensland, a Suncorp credit card customer.   Reviewed 1 day ago

NAB credit card 

  • Overall Rating

    7

  • Pricing

    6

  • Product Features

    9

  • Customer Service

    7

  • Convenience

    7

  • Trust

    7

The Rewards Program is sound and rewards easy to access, however the switch over to the new NAB gold Visa/American Express cards reward program, happened with minimal consultation from the bank. – Donna from Queensland, a NAB credit card customer.   Reviewed 1 day ago

NAB credit card 

  • Overall Rating

    10

  • Pricing

    5

  • Product Features

    4

  • Customer Service

    10

  • Convenience

    10

  • Trust

    10

They have removed late payment fees & overdrawn charges. – Jacky from New South Wales, a NAB credit card customer.   Reviewed 1 day ago

ANZ credit card 

  • Overall Rating

    8

  • Pricing

    8

  • Product Features

    8

  • Customer Service

    9

  • Convenience

    9

  • Trust

    8

The Qantas Frequent Flyer card is just a regular credit card. The rate is a bit high but you get heaps of miles in return if you use it regularly and even more if you use it to buy a plane ticket with Qantas. Be careful though of the fact that cash advances are repaid after your credit and therefore can remain on you balance and incur interest if you do not repay in full every month. – JEan-Yves from New South Wales, an ANZ credit card customer.   Reviewed 1 day ago

Citibank credit card 

  • Overall Rating

    8

  • Pricing

    5

  • Product Features

    5

  • Customer Service

    8

  • Convenience

    10

  • Trust

    10

They have a good website and staff are always available to speak to. However, interest rates are high. – bryan from New South Wales, a Citibank credit card customer.   Reviewed 1 day ago

Westpac credit card 

  • Overall Rating

    7

  • Pricing

    8

  • Product Features

    6

  • Customer Service

    6

  • Convenience

    7

  • Trust

    7

Fee-free for many ATM services. – Chris from New South Wales, a Westpac credit card customer.   Reviewed 1 day ago

NAB credit card 

  • Overall Rating

    7

  • Pricing

    8

  • Product Features

    5

  • Customer Service

    7

  • Convenience

    8

  • Trust

    6

I would prefer if their credit cards had lower interest rates. – Raelene from Victoria, a NAB credit card customer.   Reviewed 1 day ago

NAB credit card 

  • Overall Rating

    9

  • Pricing

    8

  • Product Features

    8

  • Customer Service

    8

  • Convenience

    10

  • Trust

    8

I like the fact that I can collect Flybuy points which I can use to get cash or products just by paying bills and doing my shopping. – Sophie from Victoria, a NAB credit card customer.   Reviewed 1 day ago

Citibank credit card 

  • Overall Rating

    2

  • Pricing

    4

  • Product Features

    4

  • Customer Service

    3

  • Convenience

    2

  • Trust

    2

Inflexible and are quick to charge extra if you are late. – Jenni from Queensland, a Citibank credit card customer.   Reviewed 1 day ago

Commonwealth Bank credit card 

  • Overall Rating

    8

  • Pricing

    7

  • Product Features

    8

  • Customer Service

    8

  • Convenience

    8

  • Trust

    8

I like the fact that it has 55 days interest-free. We make all our purchases with this card and then pay it off in full each month, thus not accruing any interest. Every purchase earns reward points which you can then claim from an extensive range of rewards. The key is to make sure you pay it off in full each month. – Danielle from Victoria, a Commonwealth Bank credit card customer.   Reviewed 1 day ago

Citibank credit card 

  • Overall Rating

    -

  • Pricing

    2

  • Product Features

    2

  • Customer Service

    1

  • Convenience

    2

  • Trust

    1

They use an overseas call centre with impersonal call centre staff. Also, poor products. – Steven from New South Wales, a Citibank credit card customer.   Reviewed 1 day ago

Commonwealth Bank credit card 

  • Overall Rating

    4

  • Pricing

    4

  • Product Features

    3

  • Customer Service

    3

  • Convenience

    1

  • Trust

    4

Their interest rates are too high. – Amanda from Victoria, a Commonwealth Bank credit card customer.   Reviewed 1 day ago

Westpac credit card 

  • Overall Rating

    8

  • Pricing

    7

  • Product Features

    7

  • Customer Service

    9

  • Convenience

    9

  • Trust

    9

A sound, competitive product. – Wayne from Tasmania, a Westpac credit card customer.   Reviewed 1 day ago

ANZ credit card 

  • Overall Rating

    6

  • Pricing

    2

  • Product Features

    6

  • Customer Service

    10

  • Convenience

    10

  • Trust

    5

I hate how I have to get a ticket in order to speak to a consultant but I do love how they ask about your day and are friendly. However their fees are a little all over the place. It would be nice to have one fee for everything. – Chantellle from Western Australia, an ANZ credit card customer.   Reviewed 1 day ago

Westpac credit card 

  • Overall Rating

    9

  • Pricing

    8

  • Product Features

    8

  • Customer Service

    9

  • Convenience

    8

  • Trust

    9

Great product and have been a customer for 8 years. – Karin from New South Wales, a Westpac credit card customer.   Reviewed 1 day ago

ANZ credit card 

  • Overall Rating

    9

  • Pricing

    10

  • Product Features

    10

  • Customer Service

    10

  • Convenience

    10

  • Trust

    9

I love the Visa Rewards Card from ANZ. It has excellent rewards which are easily attainable. Drawback is that it is now priced up with American Express Cards at around $95.00 for the privilege of owning one. – Bernd from New South Wales, an ANZ credit card customer.   Reviewed 1 day ago

Bendigo Bank credit card 

  • Overall Rating

    10

  • Pricing

    10

  • Product Features

    10

  • Customer Service

    10

  • Convenience

    10

  • Trust

    10

Cheap rate for a no frills rewards scheme that I wouldn't use anyway. The staff are always friendly and helpful. – Gary from Victoria, a Bendigo Bank credit card customer.   Reviewed 1 day ago

Commonwealth Bank credit card 

  • Overall Rating

    6

  • Pricing

    2

  • Product Features

    8

  • Customer Service

    2

  • Convenience

    2

  • Trust

    5

we get a discount on the fees because we have our mortgage through commbank, beyond that, there are better credit cards – Melissa from South Australia, a Commonwealth Bank credit card customer.   Reviewed 11 days ago

ANZ credit card 

  • Overall Rating

    6

  • Pricing

    3

  • Product Features

    8

  • Customer Service

    3

  • Convenience

    5

  • Trust

    4

The fees seem to go up all the time... – Gerard from Queensland, an ANZ credit card customer.   Reviewed 11 days ago

NAB credit card 

  • Overall Rating

    3

  • Pricing

    3

  • Product Features

    3

  • Customer Service

    2

  • Convenience

    4

  • Trust

    2

The interest rate is crazy. – Daniel from Queensland, a NAB credit card customer.   Reviewed 11 days ago

BankWest credit card 

  • Overall Rating

    -

  • Pricing

    1

  • Product Features

    2

  • Customer Service

    -

  • Convenience

    4

  • Trust

    4

Having been a Loyal customer to them for many years, they give Absolutely nothing back. We changed our home loan and I am in the process of looking for another Bank that will look after their customers by offering Service and Loyalty benefits. I dislike being treated like a number when its our money that keeps them going. – Marilyn from Western Australia, a BankWest credit card customer.   Reviewed 11 days ago

Commonwealth Bank credit card 

  • Overall Rating

    7

  • Pricing

    10

  • Product Features

    7

  • Customer Service

    10

  • Convenience

    10

  • Trust

    10

They cut out money for insurance. – Fatima from New South Wales, a Commonwealth Bank credit card customer.   Reviewed 11 days ago

Citibank credit card 

  • Overall Rating

    2

  • Pricing

    5

  • Product Features

    5

  • Customer Service

    5

  • Convenience

    5

  • Trust

    0

Initially had a low interest rate however once they have you in they do not care about keeping you as a customer. Fees are unjustified and over the top – Patsy from Queensland, a Citibank credit card customer.   Reviewed 11 days ago

NAB credit card 

  • Overall Rating

    2

  • Pricing

    -

  • Product Features

    0

  • Customer Service

    0

  • Convenience

    5

  • Trust

    0

I trusted the Velocity blurb of 'Fly more for less', but after accumulating over 200,000 points, found that they are only enough to make a return flight to Tonga! The same points for the same expenditure on a Qantas card would have enabled me to travel to Europe and back a number of times. I have also asked my bank to increase my credit limit for months. I easily have the required income, and have always paid, but they have dilly dallied for 4 months. – Edward from Victoria, a NAB credit card customer.   Reviewed 12 days ago

Commonwealth Bank credit card 

  • Overall Rating

    2

  • Pricing

    1

  • Product Features

    2

  • Customer Service

    2

  • Convenience

    5

  • Trust

    5

Too many fees! – bridie from Victoria, a Commonwealth Bank credit card customer.   Reviewed 12 days ago

Suncorp credit card 

  • Overall Rating

    5

  • Pricing

    4

  • Product Features

    7

  • Customer Service

    4

  • Convenience

    8

  • Trust

    4

rewards system is pretty good and probably the only highlight of this credit card. – Daniel from Queensland, a Suncorp credit card customer.   Reviewed 13 days ago

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