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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Westpac

Westpac Low Rate Credit Card review

Overall rating   8 / 10

Great customer service

Always great customer service. Being with Westpac for over 20 years, I feel a strong sense of trust and familiarity. However I dislike the fact that I’ve in no way been rewarded for being a long term customer.

Full review

Always great customer service. Being with Westpac for over 20 years, I feel a strong sense of trust and familiarity. However I dislike the fact that I’ve in no way been rewarded for being a long term customer.

    Price   5 / 10

    Features   1 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Chere, Western Australia, reviewed 3 months ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card Credit Card review

Overall rating   10 / 10

The best bank

I have been with Commonwealth Bank for 18 years now and they are the best bank to be with.

Full review

I have been with Commonwealth Bank for 18 years now and they are the best bank to be with.

    Price   4 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Marie, South Australia, reviewed 3 months ago

St.George

St.George Credit Card review

Overall rating   0 / 10

Zero Star Rating

This bank plays games with their customers lives. They are unfair, unethical and unworthy of our money.

Full review

This bank plays games with their customers lives. They are unfair, unethical and unworthy of our money.

    Price   2 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Lana, Queensland, reviewed 4 months ago

ANZ

ANZ Rewards Credit Card review

Overall rating   8 / 10

They are trustworthy

Very confident with ANZ bank.

Full review

Very confident with ANZ bank.

    Price   5 / 10

    Features   4 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Yvonne, Western Australia, reviewed 5 months ago

Bendigo Bank

Bendigo Bank Low Rate Mastercard Credit Card review

Overall rating   9 / 10

Customer Service is superb, low premiums

I like the support, time and effort that the staff provide, supplying information and answering questions in a friendly and pleasant manner. I found that the Bank may have over-reacted to the possibility of fraud. They sometimes queried small...

Full review

I like the support, time and effort that the staff provide, supplying information and answering questions in a friendly and pleasant manner. I found that the Bank may have over-reacted to the possibility of fraud. They sometimes queried small payments of $1 or $2, and closed the account until I had responded. On the other hand they did not want me to be caught out with scams, and helped out with thorough investigation and repayment when fraud was involved. This intense support was never judge-mental or patronising. Instead it was very encouraging.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   9 / 10

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Max, Victoria, reviewed 5 months ago

Adelaide Bank

Adelaide Bank Credit Card review

Overall rating   8 / 10

Definitely recommend to friends

Very efficient.

Full review

Very efficient.

    Price   7 / 10

    Features   9 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Sa, South Australia, reviewed 5 months ago

Commonwealth Bank

Commonwealth Bank Credit Card review

Overall rating   10 / 10

I love the bank account

The staff at Commonwealth Bank are really helpful.

Full review

The staff at Commonwealth Bank are really helpful.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Amina, Western Australia, reviewed 5 months ago

NAB

NAB Low Rate Platinum Card Credit Card review

Overall rating   10 / 10

Fantastic

They are fantastic. I am totally happy.

Full review

They are fantastic. I am totally happy.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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John, New South Wales, reviewed 5 months ago

ANZ

ANZ Credit Card review

Overall rating   1 / 10

Horrible

No loyalty.

Full review

No loyalty.

    Price   1 / 10

    Features   1 / 10

    Customer service   2 / 10

    Convenience   1 / 10

    Trust   0 / 10

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Roland, Victoria, reviewed 6 months ago

People's Choice Credit Union

People's Choice Credit Union Visa Credit Card Credit Card review

Overall rating   10 / 10

Reasonable

They have a habit of closing down outlying banks with no thought of the members. This leaves customers with a lack of accessible services.

Full review

They have a habit of closing down outlying banks with no thought of the members. This leaves customers with a lack of accessible services.

    Price   3 / 10

    Features   3 / 10

    Customer service   4 / 10

    Convenience   4 / 10

    Trust   4 / 10

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Betty, South Australia, reviewed 6 months ago

ANZ

ANZ Low Rate Credit Card review

Overall rating   9 / 10

Excellent

I am vert happy with ANZ.

Full review

I am vert happy with ANZ.

    Price   10 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   7 / 10

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Barbra, Queensland, reviewed 6 months ago

NAB

NAB Rewards Classic Card Credit Card review

Overall rating   9 / 10

Nice customer service, needs better rates

Slow customer service. Takes a while. Otherwise good employees. Needs better pricing and free bank cards. IVR is a bit complicated. Also needs cashless withdrawal.

Full review

Slow customer service. Takes a while. Otherwise good employees. Needs better pricing and free bank cards. IVR is a bit complicated. Also needs cashless withdrawal.

    Price   8 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Sunpreet, New South Wales, reviewed 6 months ago

NAB

NAB Credit Card review

Overall rating   8 / 10

Competitive rates

National Australia Bank is solid.

Full review

National Australia Bank is solid.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Chris, Queensland, reviewed 6 months ago

ANZ

ANZ Frequent Flyer Platinum Credit Card review

Overall rating   8 / 10

Great card and good charges

I believe it should be a nil charge on your credit card if you put everything on one card and pay it all back within the 54 day period.

Full review

I believe it should be a nil charge on your credit card if you put everything on one card and pay it all back within the 54 day period.

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Trust   7 / 10

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Judith, New South Wales, reviewed 6 months ago

St.George

St.George Credit Card review

Overall rating   9 / 10

Competitive rates

The debit card and bank statements are updated regularly which means I do not have to collect receipts. Recently, I had my debit card stolen and St.George blocked the card as soon as the thief tried to use it. Replacing the card was also...

Full review

The debit card and bank statements are updated regularly which means I do not have to collect receipts. Recently, I had my debit card stolen and St.George blocked the card as soon as the thief tried to use it. Replacing the card was also straightforward.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

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David, New South Wales, reviewed 6 months ago

Commonwealth Bank

Commonwealth Bank Credit Card review

Overall rating   8 / 10

I’m content

My bank does everything I need.

Full review

My bank does everything I need.

Less

Kim, Queensland, reviewed 6 months ago

NAB

NAB Low Rate Card Credit Card review

Overall rating   9 / 10

Better than most

Nice and easy to use.

Full review

Nice and easy to use.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Alexandra, New South Wales, reviewed 6 months ago

Commonwealth Bank

Commonwealth Bank Low Fee Gold Credit Card Credit Card review

Overall rating   7 / 10

CBA has excellent customer service

Very easy to be vigilante and deal with any tempts are hacking your card.

Full review

Very easy to be vigilante and deal with any tempts are hacking your card.

    Price   7 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   5 / 10

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Rosemary, Queensland, reviewed 7 months ago

Bendigo Bank

Bendigo Bank Low Rate First Mastercard Credit Card review

Overall rating   8 / 10

Very professional

The staff are very courteous. Professional all the way.

Full review

The staff are very courteous. Professional all the way.

    Price   3 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Slim, Victoria, reviewed 7 months ago

Bendigo Bank

Bendigo Bank Credit Card review

Overall rating   10 / 10

It's too good. Highly recommended

Everything is absolutely wonderful. Could not be happier.

Full review

Everything is absolutely wonderful. Could not be happier.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Ahmed, Victoria, reviewed 7 months ago

Westpac

Westpac Altitude Black (Altitude Rewards) Credit Card review

Overall rating   6 / 10

Good

Good and fast service. Rates could be a lot more competitive.

Full review

Good and fast service. Rates could be a lot more competitive.

    Price   4 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   9 / 10

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Agavale, Victoria, reviewed 7 months ago

Westpac

Westpac Low Fee Platinum Credit Card review

Overall rating   6 / 10

Good

Very nice people working there, the staff at my local branch are so friendly!

Full review

Very nice people working there, the staff at my local branch are so friendly!

    Price   6 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   9 / 10

Less

Agavale, Victoria, reviewed 7 months ago

ANZ

ANZ Low Rate Credit Card review

Overall rating   10 / 10

Great, but pricing and features could be better

Everything is amazing except for the interest rate on the card. The rate could definitely be lower. Also more features would be nice.

Full review

Everything is amazing except for the interest rate on the card. The rate could definitely be lower. Also more features would be nice.

    Price   7 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Stefanie, New South Wales, reviewed 7 months ago

Bankwest

Bankwest Breeze Mastercard Credit Card review

Overall rating   8 / 10

Alright

Overall great credit card. The interest rates could be a bit lower though.

Full review

Overall great credit card. The interest rates could be a bit lower though.

    Price   5 / 10

    Features   0 / 10

    Customer service   10 / 10

    Convenience   0 / 10

    Trust   10 / 10

Less

Tamara, Western Australia, reviewed 7 months ago

Westpac

Westpac Low Fee Credit Card review

Overall rating   10 / 10

Very helpful

Have been with them for years.

Full review

Have been with them for years.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Trust   9 / 10

Less

Dawn, New South Wales, reviewed 7 months ago

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.

Credit card comparisons on Mozo - rates updated daily

  • Qantas Money Qantas Premier Platinum

    Qantas Money Qantas Premier Platinum

    • Up to 55 days (unless you have a Balance Transfer)
    • Purchase rate of 19.99% p.a.
    • 0% p.a. Balance transfers for 18 months

    balance transfer rate

    0% p.a. for 18 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $299 $199 in the first year

    Go to site

    More info

    • Up to 55 days (unless you have a Balance Transfer)
    • Purchase rate of 19.99% p.a.
    • 0% p.a. Balance transfers for 18 months
    • Balance transfer rate: 0% p.a. for 18 months and then 21.99% p.a.
    • Annual fee: $299 $199 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $3.00
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Need more information?
    Go to site

    More info

  • Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • Redeem your credit card points for Woolworths shopping cards
    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $0 annual fee for the first year (saving $49)

    balance transfer rate

    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first year

    Go to site

    More info

    • Redeem your credit card points for Woolworths shopping cards
    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $0 annual fee for the first year (saving $49)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $49 $0 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, minimum $5
    • Rewards description: Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.
    Overall rating

    6.3

    Based on 181 Woolworths credit card reviews

    Need more information?
    Go to site

    More info

  • Citi Platinum (Bonus Points Offer)

    Citi Platinum (Bonus Points Offer)

    • Get your life moving with 0% p.a. for 15 months on balance transfers (1% BT fee applies)
    • A reduced annual fee of $49 in the first year ($149 thereafter)
    • 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)

    balance transfer rate

    0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.99% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • Get your life moving with 0% p.a. for 15 months on balance transfers (1% BT fee applies)
    • A reduced annual fee of $49 in the first year ($149 thereafter)
    • 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)
    • Balance transfer rate: 0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 20.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 3.5%, min $3.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.2

    Based on 1249 Citi credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Low Rate

    ANZ Low Rate

    • $1,000 minimum credit limit
    • 0.0% p.a. on balance transfers for 15 months (T&Cs apply)
    • Up to 55 days interest free on purchases

    balance transfer rate

    0% p.a. for 15 months and then 21.74% p.a.

    purchase rate

    12.49% p.a.

    annual fee

    $58

    Go to site

    More info

    • $1,000 minimum credit limit
    • 0.0% p.a. on balance transfers for 15 months (T&Cs apply)
    • Up to 55 days interest free on purchases
    • Balance transfer rate: 0% p.a. for 15 months and then 21.74% p.a.
    • Annual fee: $58
    • Purchase rate: 12.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description:
    Overall rating

    6.7

    Based on 6069 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • Citi Platinum (Purchase Rate Offer)

    Citi Platinum (Purchase Rate Offer)

    • Low Annual Fee at $49 for the first year then $149 each year after.
    • 0% per annum for 13 months on purchases and balance transfers.
    • Complimentary International Travel Insurance.

    balance transfer rate

    0% p.a. for 13 months and then 21.74% p.a. (1.00% balance transfer fee)

    purchase rate

    0% p.a. for 13 months then 20.99% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • Low Annual Fee at $49 for the first year then $149 each year after.
    • 0% per annum for 13 months on purchases and balance transfers.
    • Complimentary International Travel Insurance.
    • Balance transfer rate: 0% p.a. for 13 months and then 21.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 0% p.a. for 13 months then 20.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 3.5%, min $3.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.2

    Based on 1249 Citi credit card reviews

    Need more information?
    Go to site

    More info

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Want more? Compare all 227 credit cards in the Mozo comparison engine.

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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

peoples choice award

People's Choice Award 2019

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