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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Recent credit card reviews

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Commonwealth Bank

Commonwealth Bank Awards Credit Card credit card review

Overall rating   3 / 10

Subpar

It's really not that good. Idk about it just was the bank I signed up with.

Full review

It's really not that good. Idk about it just was the bank I signed up with.

    Price   2 / 10

    Features   4 / 10

    Customer service   3 / 10

    Convenience   2 / 10

    Trust   2 / 10

Less

Charlotte (NSW), reviewed 5 days ago

Bankwest

Bankwest credit card review

Overall rating   10 / 10

Excellent service

As a pensioner with a walking disability, the staff always offer me a chair. Just excellent.

Full review

As a pensioner with a walking disability, the staff always offer me a chair. Just excellent.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Maxwell (WA), reviewed 10 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   7 / 10

Have been looked after for over 30 years

I chose the low rate card because I thought it would cost less, but there could be better cards available now.

Full review

I chose the low rate card because I thought it would cost less, but there could be better cards available now.

    Price   5 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Suzanne (TAS), reviewed 10 days ago

Bankwest

Bankwest Breeze Mastercard credit card review

Overall rating   9 / 10

So glad I switched

Always friendly, attentive and solution orientated staff in branch or phone. Website flows easily and I've been a happy new customer now for 9 months.

Full review

Always friendly, attentive and solution orientated staff in branch or phone. Website flows easily and I've been a happy new customer now for 9 months.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Mel (WA), reviewed 17 days ago

St.George

St.George No Annual Fee credit card review

Overall rating   10 / 10

Love my bank

Best bank with easy to use online app.

Full review

Best bank with easy to use online app.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Prakash (NSW), reviewed 17 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   6 / 10

Staff are friendly

Not great benefits with the card though.

Full review

Not great benefits with the card though.

    Price   7 / 10

    Features   0 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   6 / 10

Less

Tanya (QLD), reviewed 19 days ago

ANZ

ANZ Frequent Flyer Platinum credit card review

Overall rating   10 / 10

ANZ have competitive rates and professional staff

I have been with ANZ for 42 years and they have always given great service. ANZ have always accommodated my needs and the staff are always very helpful.

Full review

I have been with ANZ for 42 years and they have always given great service. ANZ have always accommodated my needs and the staff are always very helpful.

    Price   6 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Hilary (WA), reviewed 19 days ago

ANZ

ANZ Low Rate credit card review

Overall rating   8 / 10

Good bank

Lovely people, and customer service service!

Full review

Lovely people, and customer service service!

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Voon (QLD), reviewed 19 days ago

Bendigo Bank

Bendigo Bank Low Rate Mastercard credit card review

Overall rating   9 / 10

Good

Bendigo Bank is open on Saturdays.

Full review

Bendigo Bank is open on Saturdays.

    Price   10 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Darren (VIC), reviewed 19 days ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   9 / 10

Very good

Good monthly rates.

Full review

Good monthly rates.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Robert (SA), reviewed 19 days ago

NAB

NAB Low Rate Card credit card review

Overall rating   6 / 10

Happy with it

It's ok, nothing special.

Full review

It's ok, nothing special.

    Price   5 / 10

    Features   2 / 10

    Customer service   4 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Catherine (VIC), reviewed 19 days ago

Police Bank

Police Bank Visa Credit Card credit card review

Overall rating   10 / 10

They have great rates for seniors

The bank has excellent staff, always willing to assist. Little or no waiting time.

Full review

The bank has excellent staff, always willing to assist. Little or no waiting time.

    Price   10 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Doriel (NSW), reviewed 19 days ago

Bankwest

Bankwest credit card review

Overall rating   8 / 10

Good service

Local and helpful.

Full review

Local and helpful.

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   -1 / 10

Less

Rod (WA), reviewed 19 days ago

IMB Bank

IMB Bank Platinum Rewards Mastercard credit card review

Overall rating   8 / 10

Good

Good.

Full review

Good.

    Price   -1 / 10

    Features   0 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Marion (NSW), reviewed 19 days ago

Bankwest

Bankwest Qantas Platinum Mastercard credit card review

Overall rating   8 / 10

Competitive rates

Have always helped us out when needed, with what ever we've requested.

Full review

Have always helped us out when needed, with what ever we've requested.

    Price   8 / 10

    Features   9 / 10

    Customer service   5 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

David (WA), reviewed 19 days ago

Westpac

Westpac credit card review

Overall rating   10 / 10

Very happy with Westpac service

Have always had good service from Westpac.

Full review

Have always had good service from Westpac.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Greta (ACT), reviewed 19 days ago

ANZ

ANZ Platinum credit card review

Overall rating   6 / 10

Convenient.

They provide convenient service.

Full review

They provide convenient service.

    Price   4 / 10

    Features   6 / 10

    Customer service   4 / 10

    Convenience   7 / 10

    Trust   6 / 10

Less

Tui (QLD), reviewed 19 days ago

Alliance One Credit Union

Alliance One Credit Union credit card review

Overall rating   10 / 10

Competitive

Good customer service.

Full review

Good customer service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   -1 / 10

    Trust   10 / 10

Less

Anthony (NSW), reviewed 19 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   5 / 10

Could lower the interest rate

There are I branches in most locations with pleasant and helpful staff. They are helpful with phone enquires and the app is easy to use.

Full review

There are I branches in most locations with pleasant and helpful staff. They are helpful with phone enquires and the app is easy to use.

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   10 / 10

    Trust   7 / 10

Less

Beth (QLD), reviewed 19 days ago

Commonwealth Bank

Commonwealth Bank Platinum Awards Credit Card credit card review

Overall rating   10 / 10

Rewards and convenience in one

Rewards points are easy to get, lots of choices when you redeem, Amex and Mastercard operate the one account, never pay interest as balance is paid off by due date, totally convenient and hassle free.

Full review

Rewards points are easy to get, lots of choices when you redeem, Amex and Mastercard operate the one account, never pay interest as balance is paid off by due date, totally convenient and hassle free.

    Price   -1 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jane (SA), reviewed 26 days ago

Bendigo Bank

Bendigo Bank Low Rate First Mastercard credit card review

Overall rating   7 / 10

Good

Bendigo bank are good.

Full review

Bendigo bank are good.

    Price   5 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   5 / 10

Less

Samara (QLD), reviewed 26 days ago

Westpac

Westpac credit card review

Overall rating   4 / 10

Bad service

No customer service, I don't think they could not care less about you.

Full review

No customer service, I don't think they could not care less about you.

    Price   3 / 10

    Features   1 / 10

    Customer service   2 / 10

    Convenience   4 / 10

    Trust   4 / 10

Less

Brendan (NSW), reviewed 26 days ago

Commonwealth Bank

Commonwealth Bank Awards Credit Card credit card review

Overall rating   10 / 10

10/10

Best bank, trustworthy.

Full review

Best bank, trustworthy.

    Price   8 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Sereyo (SA), reviewed 26 days ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   6 / 10

Average banking, with reliable online banking

Customer service is great and online banking and ATM is easy and reliable. They don't negotiate well to keep your business in a competitive market.

Full review

Customer service is great and online banking and ATM is easy and reliable. They don't negotiate well to keep your business in a competitive market.

    Price   3 / 10

    Features   3 / 10

    Customer service   4 / 10

    Convenience   10 / 10

    Trust   5 / 10

Less

Kim (NSW), reviewed 26 days ago

NAB

NAB Low Fee Card credit card review

Overall rating   6 / 10

Very competitive

Polite and efficient service.

Full review

Polite and efficient service.

    Price   7 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Lyn (QLD), reviewed 26 days 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Explorer® Credit Card

    American Express Explorer® Credit Card

    • Receive 50,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $395

    Go to site

    More info

    • Receive 50,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $395
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 May 2018. Apply and be approved by 24 Jan 2018

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $425 $0 in the first 1 year

    Go to site

    More info

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 May 2018. Apply and be approved by 24 Jan 2018
    • Balance transfer rate: No current offer
    • Annual fee: $425 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $450

    Go to site

    More info

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $450
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • $50 Woolworths eGift card after you make your first purchase (T&C’s Apply)
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $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 1 year

    Go to site

    More info

    • $50 Woolworths eGift card after you make your first purchase (T&C’s Apply)
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $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 1 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

    5.8

    Based on 82 Woolworths credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    28 Degrees Platinum Mastercard

    28 Degrees Platinum Mastercard

    • Award winning credit card
    • $0 overseas fees on purchases
    • 24/7 Worldwide Concierge Service

    balance transfer rate

    4.99% p.a. for 6 months and then 21.99% p.a.

    purchase rate

    21.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • Award winning credit card
    • $0 overseas fees on purchases
    • 24/7 Worldwide Concierge Service
    • Balance transfer rate: 4.99% p.a. for 6 months and then 21.99% p.a.
    • Annual fee: $0
    • Purchase rate: 21.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $4
    • Rewards description:
    Overall rating

    7.3

    Based on 161 28 Degrees credit card reviews

    Need more information?
    Go to site

    More info

Want more? Compare all 213 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 2017

Forget industry awards where banks scratch each other's backs. Mozo presents the People's Choice Awards, based on real customer reviews.

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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.