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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Commonwealth Bank

Commonwealth Bank Diamond Awards Credit Card (Qantas Awards) credit card review

Overall rating   6 / 10

Reasonable customer support but a bit pricey

It works for me and is convenient but I'm not a big user.
Full review

It works for me and is convenient but I'm not a big user.

    Price   1 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   5 / 10

Less

Robert (ACT), reviewed about 4 hours ago

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Bendigo Bank

Bendigo Bank credit card review

Overall rating   9 / 10

Good, hassle free general banking.

Banking is relatively hassle free. The occasional glitch, but the Bank will try to resolve any issues. They have a good help line.
Full review

Banking is relatively hassle free. The occasional glitch, but the Bank will try to resolve any issues. They have a good help line.

    Price   9 / 10

    Features   10 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Anne (TAS), reviewed about 4 hours ago

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Virgin Money

Virgin Money Virgin Australia Velocity High Flyer Card credit card review

Overall rating   9 / 10

Great rewards points

Earning heaps of reward points for flights, no negatives.
Full review

Earning heaps of reward points for flights, no negatives.

    Price   7 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Tim (WA), reviewed about 4 hours ago

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Westpac

Westpac Altitude (Rewards) credit card review

Overall rating   6 / 10

Great customer service

My bank is no better or worse than most of the others in the Big 4. I have been with mine for a very long time and don't see any point in changing.
Full review

My bank is no better or worse than most of the others in the Big 4. I have been with mine for a very long time and don't see any point in changing.

    Price   5 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   6 / 10

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Gloria (WA), reviewed about 4 hours ago

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ANZ

ANZ Balance credit card review

Overall rating   4 / 10

Check your statement with a fine tooth comb

Hard to get bank to investigate unauthorised charges on card.
Full review

Hard to get bank to investigate unauthorised charges on card.

    Price   4 / 10

    Features   4 / 10

    Customer service   4 / 10

    Convenience   4 / 10

    Trust   4 / 10

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Sharron (SA), reviewed about 4 hours ago

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Coles

Coles Rewards MasterCard credit card review

Overall rating   9 / 10

A good service with Flybuys.

Pretty good service & I hope it will continue.
Full review

Pretty good service & I hope it will continue.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Ravi (VIC), reviewed about 4 hours ago

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NAB

NAB credit card review

Overall rating   8 / 10

Low fees.

I like this bank as it has low fees.
Full review

I like this bank as it has low fees.

    Price   8 / 10

    Features   4 / 10

    Customer service   5 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Billy (VIC), reviewed about 5 hours ago

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ANZ

ANZ credit card review

Overall rating   6 / 10

Ok

Good for credit transfers... No rewards.
Full review

Good for credit transfers... No rewards.

    Price   5 / 10

    Features   3 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

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Lucy (SA), reviewed about 5 hours ago

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Commonwealth Bank

Commonwealth Bank Awards Credit Card (Qantas Awards) credit card review

Overall rating   3 / 10

High rate

Interest rate far too high.
Full review

Interest rate far too high.

    Price   1 / 10

    Features   3 / 10

    Customer service   3 / 10

    Convenience   9 / 10

    Trust   1 / 10

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Nola (QLD), reviewed about 5 hours ago

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28 Degrees

28 Degrees Platinum MasterCard credit card review

Overall rating   8 / 10

Customer sevvice is like a luxury

They are good.
Full review

They are good.

    Price   6 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Amiey (NSW), reviewed about 5 hours ago

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Bank of Queensland

Bank of Queensland Platinum Visa Credit Card credit card review

Overall rating   9 / 10

Personal service

Friendly personal service from friends.
Full review

Friendly personal service from friends.

    Price   -1 / 10

    Features   3 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Rod (QLD), reviewed about 5 hours ago

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ANZ

ANZ Low Rate credit card review

Overall rating   10 / 10

Good rates and ready to help

Very good rate.
Full review

Very good rate.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Doreen (WA), reviewed about 5 hours ago

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Commonwealth Bank

Commonwealth Bank Platinum Awards Credit Card credit card review

Overall rating   8 / 10

Convenient

Generally find this card convenient and when you pay balance in full each month, no interest.
Full review

Generally find this card convenient and when you pay balance in full each month, no interest.

    Price   7 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Bronwen (SA), reviewed about 5 hours ago

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Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   6 / 10

Would recommend to some

Overall very good .
Full review

Overall very good .

    Price   6 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   6 / 10

Less

Katherine (VIC), reviewed about 5 hours ago

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Bankwest

Bankwest More Platinum MasterCard credit card review

Overall rating   10 / 10

Great service, open 7 days a week, staff know

Each time I go there, they are very, very helpful in every way
Full review

Each time I go there, they are very, very helpful in every way

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Jeff (NSW), reviewed about 5 hours ago

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Aussie

Aussie credit card review

Overall rating   8 / 10

User friendly

Good customer service. Easy to understand regulations.
Full review

Good customer service. Easy to understand regulations.

    Price   7 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Rita (VIC), reviewed about 5 hours ago

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Commonwealth Bank

Commonwealth Bank Low Fee Student Credit Card credit card review

Overall rating   7 / 10

Competitive rewards and a popular bank.

I particularly like that this is a student option credit card, so fees are lower etc. However when I submitted the application for the card I asked for the limit to be $500 and when I received the card the limit was set as $10,000. I had to make...
Full review

I particularly like that this is a student option credit card, so fees are lower etc. However when I submitted the application for the card I asked for the limit to be $500 and when I received the card the limit was set as $10,000. I had to make another trip to change this, which I never ended up doing and now have myself in ridiculous debt.

    Price   7 / 10

    Features   4 / 10

    Customer service   6 / 10

    Convenience   9 / 10

    Trust   6 / 10

Less

Kim (QLD), reviewed about 5 hours ago

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Select Credit Union

Select Credit Union credit card review

Overall rating   7 / 10

Great services

It looks after the working class.
Full review

It looks after the working class.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Robert (NSW), reviewed about 5 hours ago

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Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   7 / 10

Generally is a convenient facility that works well

Has good awards scheme. Could clarify at what point in the month interest is charged.
Full review

Has good awards scheme. Could clarify at what point in the month interest is charged.

    Price   6 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   6 / 10

Less

Sandra (VIC), reviewed about 5 hours ago

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NAB

NAB Low Fee Card credit card review

Overall rating   5 / 10

Poor

This card may have a low fee but I feel that the interest rate is far too high for the product. I am not at all satisfied with the processes when credit card fraud has been committed against you. They take far too long to investigate it and they...
Full review

This card may have a low fee but I feel that the interest rate is far too high for the product. I am not at all satisfied with the processes when credit card fraud has been committed against you. They take far too long to investigate it and they send you the same paper work repeatedly, it is like it is too much trouble for them to investigate it and while they are they charge you interest on the debt. They just take far too long to deal with the issue.

    Price   4 / 10

    Features   0 / 10

    Customer service   3 / 10

    Convenience   8 / 10

    Trust   4 / 10

Less

Carin (VIC), reviewed about 5 hours ago

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Westpac

Westpac credit card review

Overall rating   6 / 10

No fees, but interest rate could be less.

No credit card fees.
Full review

No credit card fees.

    Price   4 / 10

    Features   3 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Katie (VIC), reviewed about 5 hours ago

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Commonwealth Bank

Commonwealth Bank Low Rate Credit Card credit card review

Overall rating   4 / 10

Rip off

Not low enough with interest rates.
Full review

Not low enough with interest rates.

    Price   3 / 10

    Features   2 / 10

    Customer service   3 / 10

    Convenience   3 / 10

    Trust   3 / 10

Less

Michelle (VIC), reviewed about 6 hours ago

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NAB

NAB flybuys Rewards Card credit card review

Overall rating   9 / 10

Great card

Good interest rate, great balance transfer card. 14 months.
Full review

Good interest rate, great balance transfer card. 14 months.

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

James (QLD), reviewed about 6 hours ago

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Commonwealth Bank

Commonwealth Bank Awards Credit Card credit card review

Overall rating   8 / 10

Happy with product

Customer service has not yet let me down when questions need to be asked.
Full review

Customer service has not yet let me down when questions need to be asked.

    Price   9 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Christine (VIC), reviewed about 7 hours ago

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Westpac

Westpac Low Rate credit card review

Overall rating   8 / 10

Good offer if you have combined products

No issues.
Full review

No issues.

    Price   8 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   8 / 10

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Bradd (VIC), reviewed about 7 hours ago

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Credit card comparisons on MozoRates updated daily

  • NAB Low Rate Card

    NAB Low Rate Card

    • 0% p.a. on purchases for the first 12 months
    • 4.99% p.a on balance transfers for 6 months
    • Secure online application. Get a response in 60 seconds.

    balance transfer rate

    4.99% for 6 months

    purchase rate

    0% for 12 months then 13.99%

    annual fee

    $59

    Go to site
    • 0% p.a. on purchases for the first 12 months
    • 4.99% p.a on balance transfers for 6 months
    • Secure online application. Get a response in 60 seconds.
    Fees
    • Balance transfer rate: 4.99% for 6 months
    • Annual fee: $59
    • Purchase rate: 0% for 12 months then 13.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 1.75%, Min $1.75
    Overall rating

    7.2

    Based on 757 NAB credit card reviews

    Need more information?
    Find out more

    More info

    More info

  • Woolworths Money Everyday Platinum Credit Card

    Woolworths Money Everyday Platinum Credit Card

    • $0 annual fee for the first year. Apply by 31 July 2015
    • Get a $100 Woolworths Gift Card after your first purchase
    • $10 off your order whenever you spend $100 or more in a single transaction at Woolworths Online

    balance transfer rate

    0% for 14 months and then 21.99%

    purchase rate

    19.99%

    annual fee

    $49 $0 in the first 1 year

    Go to site
    • $0 annual fee for the first year. Apply by 31 July 2015
    • Get a $100 Woolworths Gift Card after your first purchase
    • $10 off your order whenever you spend $100 or more in a single transaction at Woolworths Online
    Fees
    • Balance transfer rate: 0% for 14 months and then 21.99%
    • Annual fee: $49 $0 in the first 1 year
    • Purchase rate: 19.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99%
    • Fee for cash withdrawals: 3%, minimum $5
    Overall rating

    5.7

    Based on 46 Woolworths Money credit card reviews

    Need more information?
    Find out more

    More info

    More info

  • ANZ Rewards Platinum

    ANZ Rewards Platinum

    • 50,000 Reward Points when you spend $3,000 on purchases within the first three months
    • No Annual fee for the first year
    • Offer end date the 20th August

    balance transfer rate

    purchase rate

    18.79%

    annual fee

    $149 $0 in the first 1 year

    Go to site
    • 50,000 Reward Points when you spend $3,000 on purchases within the first three months
    • No Annual fee for the first year
    • Offer end date the 20th August
    Fees
    • Balance transfer rate:
    • Annual fee: $149 $0 in the first 1 year
    • Purchase rate: 18.79%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 20.99%
    • Fee for cash withdrawals: 2%
    Overall rating

    7.0

    Based on 1034 ANZ credit card reviews

    Need more information?
    Find out more

    More info

    More info

  • St.George Vertigo Platinum

    St.George Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 0% p.a. on purchases for the first 3 months
    • $99 annual fee

    balance transfer rate

    0% for 20 months and then 21.49%

    purchase rate

    0% for 3 months then 12.74%

    annual fee

    $99

    Go to site
    • 0% p.a. on balance transfers for the first 20 months
    • 0% p.a. on purchases for the first 3 months
    • $99 annual fee
    Fees
    • Balance transfer rate: 0% for 20 months and then 21.49%
    • Annual fee: $99
    • Purchase rate: 0% for 3 months then 12.74%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    Overall rating

    7.0

    Based on 185 St.George credit card reviews

    Need more information?
    Find out more

    More info

    More info

  • American Express Platinum Edge Credit Card

    American Express Platinum Edge Credit Card

    • $195 annual fee
    • Complimentary domestic economy return flight
    • 3 bonus points per dollar spent on eligible purchases

    balance transfer rate

    0.99% for 6 months (1.00% handling fee)

    purchase rate

    20.74%

    annual fee

    $195

    Go to site
    • $195 annual fee
    • Complimentary domestic economy return flight
    • 3 bonus points per dollar spent on eligible purchases
    Fees
    • Balance transfer rate: 0.99% for 6 months (1.00% handling fee)
    • Annual fee: $195
    • Purchase rate: 20.74%
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    Overall rating

    7.3

    Based on 142 American Express credit card reviews

    Need more information?
    Find out more

    More info

    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.

Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.