Credit card customer 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 customer reviews

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  • American Express Credit Card

    Flexibilities are amazing but protection limited.

    The rewards systems and flexibility is the main appeal. However, processes are long especially in regards to disputes. There is lack of protection and communications.

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    Caitlin, New South Wales, reviewed 22 days ago
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  • Westpac Credit Card

    Westpac is the best.

    I can highly recommend Westpac because on a few occasions I have had to seek their help with fraudulent activities against my account, and also they have assisted me greatly in choosing the right credit card to suit my needs. They consistently provide excellent customer service with positive and friendly attitudes in a professional matter. Sincerely

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    Gayle, Western Australia, reviewed 22 days ago
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  • Latitude Credit Card

    Obstructive customer service

    Just don't. The customer service, and being able to access the right person in a timely and convenient manner is impossible. Then everything falls apart. Constant issues with calling the right phone, being put on hold, only to be transferred to another, and another. Or phone lines are down, website not working, app difficult to get into. The moment something goes wrong, they make it difficult for you to get through to them for an amicable and timely resolution. But they are quick to put the blame on you. Not worth it.

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    Teresa, Victoria, reviewed 22 days ago
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  • 28 Degrees Credit Card

    Good card, hopeless website

    Happy with the card - particularly the exchange rates for foreign purchases. However, the old website was bad and the new website is truly terrible. There is no way to easily see or download a list of transactions. The interface appears to have been redesigned to remove any and all useful information and is so dumbed down as to be useless.

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    Nev, South Australia, reviewed 24 days ago
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  • ANZ Low Rate - Balance Transfer Offer

    No support

    I don’t recommend them for credit cards, I struggled with being financially abused as well as all other abuse imaginable by my ex husband, and finally got free of him and really suffered trying to afford my credit card bill that my ex had run up, unfortunately the credit card was in my name and I rang the bank to enquire about recieving a cut in my repayments per month as I was desperately struggling to survive and make the repayments each month. They were very uncaring and told me they could do nothing to help me. To this day I’m still struggling with the debt.

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    Kylie, New South Wales, reviewed 24 days ago
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  • Bankwest Credit Card

    Wouldn't recommend

    Took a card and was making lump sum contributions, missed the minimum and never heard anything. They listed a failed payment and despite paying the total outstanding within weeks they refused to amend. Never tried to reach out before the negative credit listing

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    C, New South Wales, reviewed 24 days ago
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  • Commonwealth Bank Credit Card

    Great service and very helpful

    First just last week I had a problem with my account all the staff were nice and helpful and solved and fixed the issue, second my son who has Asperger’s syndrome had a problem with his account they were so nice and kind to him.

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    Samia, New South Wales, reviewed 24 days ago
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  • Citi Prestige - Qantas

    Happy with citi as a reward card

    I do you like the party lounge access provided and insurance that is included in this credit card so the upfront cost I feel is quite steep. The bonus Qantas frequent flyer points was good on signup

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    Rachel, Queensland, reviewed 24 days ago
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  • Coles No Annual Fee Mastercard

    Absolute headache! Avoid!

    Terrible user experience. App interface and browser dashboard are horrible. Feels as though this provider thrives on a lack of transparency. Had to contact customer service about how to make voluntary payments. If you've set up a direct debit, voluntary payments don't count towards the balance owed so come direct debit payment, you end up double paying if you haven't cancelled your direct debit beforehand. This is flagged but ability to cancel the direct debit via the app was inconsistent - sometimes it worked and sometime didn't (curiously, no issues setting up a direct debit). Experienced issues logging into my account (desktop version). Randomly stopped recognising my login details and couldn't reset my password because it also claimed it couldn't verified the details I has input. Absolute headache. Avoid!

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    Michelle, Victoria, reviewed 24 days ago
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  • Commonwealth Bank Credit Card

    Australia’s biggest bank.

    Pro: Australia’s biggest bank. Good customer service. Con: not enough physical locations.

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    Paul, Western Australia, reviewed 30 days ago
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  • Commonwealth Bank Credit Card

    Great rewards

    I love the rewards available with the credit card points. I often use my points to make purchases in myer which is great.

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    Marisa, New South Wales, reviewed 30 days ago
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  • ANZ Credit Card

    I have used Mozo for ages and everything is great

    I like it because everything was excellent

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    Kaso, New South Wales, reviewed about 1 month ago
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  • NAB Credit Card

    Excellent credit card.

    Nab card I use had 0% interest on purchases for 20 months. Only downside would be the NAB internet application could be better like the CBA application

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    Travis, Victoria, reviewed about 1 month ago
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  • ANZ Credit Card

    Overall great

    Have had my credit card with ANZ for many, many years and have been very happy with them.

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    Karen, Queensland, reviewed about 1 month ago
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  • ANZ Credit Card

    Love this bank

    A bank who is there for you

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    Sophie, Tasmania, reviewed about 1 month ago
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  • 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

    • Low Rate Card - Balance Transfer Offer

      Purchase rate
      12.49% p.a.
      Balance transfer rate
      0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
      Annual fee
      $59 $0 in the first year
      Rewards program

      Promoted
    • Qantas Ultimate Card

      Purchase rate
      23.99% p.a.
      Balance transfer rate
      No current offer
      Annual fee
      $450
      Rewards program
      Qantas Frequent Flyer

      Promoted
    • Velocity Platinum Card

      Purchase rate
      23.99% p.a.
      Balance transfer rate
      No current offer
      Annual fee
      $375
      Rewards program
      Velocity Frequent Flyer

      Promoted
    • Qantas Discovery Card

      Purchase rate
      23.99% p.a.
      Balance transfer rate
      No current offer
      Annual fee
      $0
      Rewards program
      Qantas Frequent Flyer

      Promoted
    • Explorer® Credit Card

      Purchase rate
      23.99% p.a.
      Balance transfer rate
      No current offer
      Annual fee
      $395
      Rewards program
      Membership Rewards

      Promoted

    **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 195 credit cards in the Mozo comparison engine.

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    About Mozo Reviews

    Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia.

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