The points earn rate looks good on paper until you realise that every spend they can't figure out and characterise properly is deemed eligible. It's an absolute rort. And also, in this day and age to have a cc that doesn't support Apple/Samsung/Google Pay is a joke.
Do not get this card! I didn't get my card till 22 days after it had been approved and was not awarded the bonus points after the 90 day period, due to being 22 days behind physically able to use the card. They base the spend requirement on monthly statements that do not reflect all the transactions of that period. Terrible customer service, spoken with four separate people over a month, all of whom have no record of previous calls of alternative compensation offers. They will backtrack on any offers they present.
I like them because of the Qantas Frequent Flyer points. I would prefer they had a physical branch - it is difficult sometimes to speak to them over the phone.
I have had this card for many years, 10+, and for the last 2 days have been unable to use it, PLUS to make matters worse we were away on holidays! I phoned up to ask why as my monthly direct debit had been taken out 4 days ago. The first lady that took my call I couldn't understand, so I called back. The second lady was not much better but I could work out what she was saying. The money had been sent by my bank but not as yet cleared. SO, they would not honour any new transactions, despite never ever in the past had I not paid my Balance immediately it was due! What wonderful service to a loyal customer! Will be looking for another credit card when home.
Pro: a great sign-on bonus and a reasonable earn rate for Qantas points. Con: expensive annual fee and high interest rate. The only value you get for your money is the points. Otherwise poor customer service based overseas who don't have answers to questions, a barely passable app and lacks basic features such an Android Pay. There's better options out there, don't get sucked in by the intro points!
The card allows you to build up more Qantas points than any other card. Which is great for family holidays. The one things we have struggled with regarding the online service is that both card holders can't view all transactions made on the account. Only the "Primary" card holder can view all transactions on the online account and other account holders can then only view their account transactions not all transactions, which is very useful.
Got this card for the points bonus. Still do not have google pay (which compared to my last card made shopping so much easier and quicker) Wife's card keeps getting fraud messages for the same transaction despite talking to them and telling them that we did buy the groceries at Woolworths. I will probably change cards before the renewal date.
This is the worst credit card I have ever had. The FF points are the temptation, but the card is nothing but a bother. Completely nonexistent customer service. I had a large charge dispute and have been trying to get it looked into for over two months. The customer service contact number literally will not connect me to an operator, it just aborts while on hold. I've tried this dozens of times. The website says to send an email, but there's no answer to the emails (once you find an address as that's hard enough). I eventually pretended I wanted to sign up for a card so I could talk to someone. They took my details then that's the last I heard. Tried again. Same result. This issue aside, payments are slow to go through, the card doesn't work randomly causing embarrassment. An absolute nightmare. Once my dispute is looked into I'm out.
Avoid this card at all costs. Asked for a rate review particularly during this time and first time I was hung up on, second time they said flat out “NO”. They are charging 19.99% for purchases and 21.99% for cash advances which includes any balance transfers they have not been paid off in time....I have my insurances with Qantas, Car, Life, Health and Income, time to walk with my feet for a better deal. Avoid them at all cost with their substandard features and appalling customer service.
Great sign up bonus, and the mobile app is great for tracking spend across categories. Annual fee is not cheap, and extra card holders cost more.
At the time, was the best Qantas FF points earning low cost credit card we could find. Low yearly fee, small charge for additional cardholder. Slight annoyance that it doesn't support Google Pay, though I guess something has to give for that yearly fee to be low. Sometimes the app's value added feature of syncing with other bank's account details to track all your transactions in one place stops working for a while, but that is a free added feature after all and it is at the mercy of the 3rd party financial institutions.
They occasionally have good sign up promos, but otherwise there are much better cards around on almost every axis. The card is serviced by Citibank, so offshore call centres and slightly backwards american processes. Unlike Citibank there is no Apple Pay!
Good reward program. They are easy to access online or through App. It's easy to work through the site. Never made to wait when called by phone and they are quick to follow up enquires. l like the text response when I get activity on my account. Great customer service.
I subscribed to this card for Qantas points in the hope of one day flying luxuriously on business class. Little did I know, it would literally be my ticket home one day. I was stuck in the UK as the pandemic ramped up, flight prices became astronomical and the frequency dried up. Thankfully, I was able to use my points to book one-way tickets home, business class. Given the stressful situation, this was beyond my wildest dreams and allowed me to get home comfortably and safely. This card provided big bonus points on sign up, is easy to use for everyday expenses and gives a generous points per dollar spent ratio. The annual fee is considerable, but it got me home, and I'll be forever grateful.
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