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Horizon Bank Credit card reviews

Overall rating
5.0/10
Price
7.7/10
Features
5.7/10
Customer service
10.0/10
Convenience
5.0/10
Trust
10.0/10
Based on 3 reviews as rated by the Mozo community.

Recent Horizon Bank credit card reviews

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  • Horizon Bank Credit Card review

    Overall rating   2 / 10
    Avoid if you use mobile payments.

    If you use Google Pay mobile payment then avoid this credit card at all costs. It has two incredibly frustrating limitations: 1. You are limited to 5 daily mobile transactions PER DAY. After 5 transactions any future mobile transactions will be denied. It is very easy to hit 5 transactions in one day - e.g. when going shopping, buying lunch, drinks, etc. You will find yourself 'caught short' if you rely on this credit card for emergency payments if you have already reached your 5 daily limit. Horizon customer support says this is a 'security measure'. However, it is overly restrictive and actually circumvents the security of mobile payment by forcing you to carry your physical credit card with you also. Other banks have much higher daily mobile transaction limits or are unlimited (e.g. ING) It also defeats the whole purpose of mobile payment which is to leave your credit card at home! Horizon do not seem to understand this. Their response to what to do when hitting the limit is 'just use your physical credit card'. 2. The other major limitation is you cannot get a refund on mobile payments. E.g. you buy something at a shop, change your mind and want to return it. Don't have your physical credit card handy? Too bad, you've got a long trip home and back to come back into the store which your physical Horizon credit card to get your refund. I do not have this issue with other banks' credit cards. A wholly unenjoyable and frustrating experience. My first discovery at these wonderful 'security measures' was being stuck at a petrol station not being able to buy petrol, even though I had enough credit on my credit card, because I had reached my 5 transaction limit. It was after business hours so no way to contact Horizon and nothing they can do anyway (you'd think they could lift the restriction for a short time after verifying your identity), I didn't have any other way to pay, kept getting unexplained 'transaction denied' when paying even though I knew there were funds in there. Fun times Horizon, thanks for the memories....

    Price
    6 / 10
    Features
    2 / 10
    Convenience
    1 / 10
    Less
    Brendan, South Australia, reviewed 2 days ago
  • Horizon Bank Credit Card review

    Overall rating   8 / 10
    Happy to bank here forever

    The service is great and the staff is always really helpful and willing to go the extra mile.

    Price
    7 / 10
    Features
    8 / 10
    Customer service
    10 / 10
    Convenience
    7 / 10
    Trust
    10 / 10
    Less
    Judith, Queensland, reviewed 8 months ago
  • Horizon Bank Credit Card review

    Overall rating   5 / 10

    It is really important not only for business to fulfill other needs also.

    Price
    10 / 10
    Features
    7 / 10
    Customer service
    10 / 10
    Convenience
    7 / 10
    Trust
    10 / 10
    Less
    Sitara, Northern Territory, reviewed almost 10 years ago
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    Credit card comparisons on Mozo - rates updated daily

    • Low Rate

      Purchase rate
      13.74% p.a.
      Balance transfer rate
      0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
      Annual fee
      $59
      Rewards program

      Promoted
    • Vertigo

      Purchase rate
      13.99% p.a.
      Balance transfer rate
      0% p.a. for 24 months and then 21.49% p.a.
      Annual fee
      $55 $0 in the first year
      Rewards program

      Promoted
    • Low Rate Credit Card

      Purchase rate
      11.99% p.a.
      Balance transfer rate
      0% p.a. for 20 months and then 21.74% p.a.
      Annual fee
      $49 $0 in the first year
      Rewards program

      Promoted
    • frank Credit Card

      Purchase rate
      11.99% p.a.
      Balance transfer rate
      No current offer
      Annual fee
      $0
      Rewards program

      Promoted
    • Foundation Credit Card

      Purchase rate
      3.99% p.a. for 6 months then 8.99% p.a.
      Balance transfer rate
      3.99% p.a. for 6 months and then 8.99% p.a.
      Annual fee
      $45
      Rewards program

      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.

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    About Mozo community reviews

    Mozo gives you the inside story on the best banking, energy 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.