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 credit card review

Overall rating   8 / 10

I’m content

My bank does everything I need.

Full review

My bank does everything I need.

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Kim, Queensland, reviewed 1 day 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 1 day 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 6 days 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 6 days 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 13 days 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 15 days ago

Westpac

Westpac 55 Day Platinum Card 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

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Agavale, Victoria, reviewed 16 days 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

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Stefanie, New South Wales, reviewed 16 days 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

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Tamara, Western Australia, reviewed 16 days ago

Westpac

Westpac 55 Day Card 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

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Dawn, New South Wales, reviewed 16 days ago

Westpac

Westpac Altitude Black (Altitude Rewards) credit card review

Overall rating   8 / 10

Have been with them for more than 60 years!

I can phone or go online at any time and get the answers I require.

Full review

I can phone or go online at any time and get the answers I require.

    Features   8 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Patricia, Western Australia, reviewed 16 days ago

ANZ

ANZ Frequent Flyer Platinum credit card review

Overall rating   8 / 10

Convenient and competitive

I have been with ANZ for years and have had no problems with them. I've also compared them to other banks and they are by far the best. "If it ain't broke don't fix it".

Full review

I have been with ANZ for years and have had no problems with them. I've also compared them to other banks and they are by far the best. "If it ain't broke don't fix it".

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Graham, Queensland, reviewed 20 days ago

St.George

St.George No Annual Fee credit card review

Overall rating   9 / 10

No annual fee and accepted everywhere

There are no annual fees which is an amazing feature. Visa card is accepted everywhere so it is great for travel. The customer service staff is always helpful and friendly.

Full review

There are no annual fees which is an amazing feature. Visa card is accepted everywhere so it is great for travel. The customer service staff is always helpful and friendly.

    Price   5 / 10

    Features   2 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Elizabeth, New South Wales, reviewed 20 days ago

NAB

NAB Low Rate Platinum Card credit card review

Overall rating   8 / 10

Smart shoppers, smart accounts, happy customers

We only use it for small amounts, that we know can be paid back before interest is charged. Using it this way has been great!

Full review

We only use it for small amounts, that we know can be paid back before interest is charged. Using it this way has been great!

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Donna, Queensland, reviewed 20 days ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   7 / 10

Good customer service

The local branch has always been helpful.

Full review

The local branch has always been helpful.

    Features   7 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   5 / 10

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David, Western Australia, reviewed 20 days ago

ANZ

ANZ credit card review

Overall rating   8 / 10

So far so good

They have really made things clear and easy to understand. They haven’t caused any inconveniences. So far so good!

Full review

They have really made things clear and easy to understand. They haven’t caused any inconveniences. So far so good!

    Price   9 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Ash, South Australia, reviewed 20 days ago

Bank of Melbourne

Bank of Melbourne No Annual Fee credit card review

Overall rating   8 / 10

Satisfactory

No money debit card is all I have. Service could be better.

Full review

No money debit card is all I have. Service could be better.

    Price   8 / 10

    Features   7 / 10

    Customer service   4 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Kelly, Victoria, reviewed 20 days ago

Westpac

Westpac 55 Day Card credit card review

Overall rating   7 / 10

Satisfactory

Long waits but good services.

Full review

Long waits but good services.

    Price   8 / 10

    Features   7 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   9 / 10

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Kelly, Victoria, reviewed 20 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   10 / 10

Always helpful with any questions or deals

I have banked with Commbank for over 45 years and have had no problems with them at all. I have been offered other cards and accounts from other banks but Commbank has always come back to me with a better offer.

Full review

I have banked with Commbank for over 45 years and have had no problems with them at all. I have been offered other cards and accounts from other banks but Commbank has always come back to me with a better offer.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Debbie, Victoria, reviewed 20 days ago

CUA

CUA Platinum Credit Card credit card review

Overall rating   10 / 10

Good value

Good rates and amazing service. Highly recommended to anyone.

Full review

Good rates and amazing service. Highly recommended to anyone.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Chris, New South Wales, reviewed 20 days ago

Westpac

Westpac 55 Day Card credit card review

Overall rating   1 / 10

Poor

Terrible product. There are too many problems and unhappy customers. I'm am one of the unhappy customers.

Full review

Terrible product. There are too many problems and unhappy customers. I'm am one of the unhappy customers.

    Price   0 / 10

    Features   0 / 10

    Customer service   1 / 10

    Convenience   2 / 10

    Trust   1 / 10

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Peter, Western Australia, reviewed 20 days ago

NAB

NAB Low Rate Card credit card review

Overall rating   8 / 10

Good customer service

NAB satisfies my needs.

Full review

NAB satisfies my needs.

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Jorge, New South Wales, reviewed 20 days ago

NAB

NAB Low Fee Platinum Card credit card review

Overall rating   7 / 10

Decent

We've been with NAB for 56 years. They are very convenient to use.

Full review

We've been with NAB for 56 years. They are very convenient to use.

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Bob, Queensland, reviewed 29 days ago

NAB

NAB Low Rate Platinum Card credit card review

Overall rating   8 / 10

Overall good

Good service.

Full review

Good service.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Carmel, Western Australia, reviewed about 1 month ago

ANZ

ANZ credit card review

Overall rating   2 / 10

Expensive

No notification is sent when your bill is due to be paid.

Full review

No notification is sent when your bill is due to be paid.

    Price   3 / 10

    Features   5 / 10

    Customer service   2 / 10

    Convenience   3 / 10

    Trust   3 / 10

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Mandy, Queensland, reviewed about 1 month 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 2018

    American Express Explorer® Credit Card

    American Express Explorer® Credit Card

    • Receive 100,000 Membership Rewards® Points (T&Cs apply).
    • $400 in Travel Credit each year.
    • Up to 2 Membership Rewards points per $1 spent. Note: point redemption rates will change as of 15 April 2019, please visit the Amex website for more information.

    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 100,000 Membership Rewards® Points (T&Cs apply).
    • $400 in Travel Credit each year.
    • Up to 2 Membership Rewards points per $1 spent. Note: point redemption rates will change as of 15 April 2019, please visit the Amex website for more information.
    • 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

    6.6

    Based on 863 American Express credit card reviews

    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

  • MOZO EXPERTS CHOICE AWARDS 2018

    Australian Military Bank Low Rate Visa Credit Card

    Australian Military Bank Low Rate Visa Credit Card

    • $0 additional cardholder fee
    • Up to 55 days interest free on purchases
    • Visa payWave for convenient contactless purchases under $100

    balance transfer rate

    0% p.a. for 12 months and then 11.99% p.a.

    purchase rate

    11.99% p.a.

    annual fee

    $49

    Go to site

    More info

    • $0 additional cardholder fee
    • Up to 55 days interest free on purchases
    • Visa payWave for convenient contactless purchases under $100
    • Balance transfer rate: 0% p.a. for 12 months and then 11.99% p.a.
    • Annual fee: $49
    • Purchase rate: 11.99% p.a.
    • Interest free days: 45
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: $4.50
    • Rewards description:
    Overall rating

    7.3

    Based on 45 Australian Military Bank credit card reviews

    Need more information?
    Go to site

    More info

  • Bankwest Breeze Platinum Mastercard

    Bankwest Breeze Platinum Mastercard

    • 0.0% p.a. on balance transfers for 13 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases

    balance transfer rate

    0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

    purchase rate

    0% p.a. for 13 months then 12.99% p.a.

    annual fee

    $99

    Go to site

    More info

    • 0.0% p.a. on balance transfers for 13 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases
    • Balance transfer rate: 0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
    • Annual fee: $99
    • Purchase rate: 0% p.a. for 13 months then 12.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.3

    Based on 1027 Bankwest 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 6066 ANZ 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 218 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 2018

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

Check out the winners
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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.