I love my Amex Qantas Explorer. It’s $450 but I get it back in Qantas credit, so it’s net net. There are generous Qantas points to be earned and bonus Amex offers with my favourite retailers. With Covid they have extended credits into 2021 before even asking. I’ve called about charges I haven’t recognised. They didn’t make me fill in lengthy forms they just took my word for it; a breath of fresh air. I’ve never had a bank make it so easy.
Zero customer service. Took 4 weeks to get the card, apparently my details were lost and only followed up when I called. Subsequently my "account manager" offered to assist with booking travel. The assistance was simply providing a link to amex travel and no more. After my flight was booked and cancelled due to COVID-19 I was informed that no refund is available from AMEX, however United Airlines would provide a refund if I booked directly rather than through a third party that provided zero value.
AMEX has this embedded dislike from many retailers and despite efforts to be more user friendly, the card sadly isn't accepted as easily as Mastercard or VISA. That said their local initiatives that support local as well as generous rewarding for per point spent still makes this my preferred card to use. Another bonus is the $450 annual Qantas credit once you get over the equally hefty annual fee of $450. The fee is cancelled out by the credit which makes owning the card not so bad on a year by year basis.
The discovery card has really boosted our qantas points. We love the large amount of points we get from using it. I hope more establishments take Amex in the future as it has helped us get business flights and upgrades without being out of pocket.
They're reliable... but really annoying. The kind of bank you instinctively know will be around forever simply because they're so good at money management. Sneakily greedy. Online banking is woeful compared to the mainstream Aussie banks and they make it so difficult to pay your credit card on time. No Osko quick payments, it typically takes 3-5 working days just to transfer money from another bank. And forget about paying some today whilst you think about it, and some tomorrow... because - you won't believe this - they don't let you pay them again until 5 days later. What the?!? Yes. ...oh and watch out for the late fee! It will blindside you. Customer Service is fast, very fast, and yes they'll kindly reverse that fee for you, but watch your back, I mean bank statement - as they'll probably still hit you up with late interest charges. Its the insincere customer service that really gets under my skin: "I'm so sorry about those late fees (again), and thank you for the feedback (again), and don't forget you can just call and we'll sort it all out (again)". If only they truly understood good service... then I wouldn't have to call. Ever. Bottom line - if you're brilliant at money management then all the a.maze.ing rewards and perks are worth it. Just always keep your wits about you.
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