I like Westpac and have banked with them since I arrived in Australia in 2007. One of the main pros for us was being able to establish our banking needs before arriving in Australia. Communicating with the bank can be done in so many ways. I have never had an issue getting any query resolved.
The interest rate is high but I had some good rewards I can actually use. They do not reject me at Point of sale if i am over limit,. Rather they send me a text so i can deposit into my account. Thanks guys. The only thing that annoyed me was at the Covid19 hold, they forgot to tell me a few things like they were going to reject my auto payments (Insurance and a few other things I have had taken from Credit card for years). All a bit of a rush i know, but had i known those T&Cs, I would not have asked for help as I top my account up all month and didn't need my automatic debits frozen thanks.
Have been a loyal customer for 20 years. Had only started a new job and ended up in hospital. Their terms and conditions for a new credit card is a minimum of 6 months employment, after a few phone calls and being assigned a case officer was granted the card to cover some expenses - now all paid off, now just a back up in case of emergency - customer service goes a long way!
Been with the bank for 12 years. Customer service with every issue I have raised with them, ranges between terrible advice and negligible. All the staff try to give generic responses and buck pass. They do not assist. Even their FB online assistant is useless. I have tried every avenue available to resolve issues with THEIR banking products. I get the wrong advice online, on the phone, in the branch or via email. Here is a recent issue (plenty more in my back pocket to talk about). Dear Westpac, 1. My Debit masterCard taken by the Westpac ATM 14 days ago. 2. Card not replaced by mail as instructed by Westpac on the day the card was taken. Westpac advised they would replace it ASAP. 3. Westpac App doesn't communicate about card progress and only provides generic info, even though the App directed me here for "card support". There is no live chat to utilise for this issue as live chat is a robot, but is also used for "customer support" but there is no support provided. Just auto replies from the robot. 4. Westpac Customer service refuses to communicate with me over phone as they imply that I am not whom I say I am. They asked me several questions about myself that I answered correctly but said I still am not me and refuse to talk to me. They refused to send a written update to my mailing address about the delay too. 5. I am unable to transact on the account and unable to communicate with westpac. 6. I emailed their customer service manager directly, Facebook online messenger for support, an online customer complaint was sent from their website, plus an online complaint to AFCA the regulator. The banking regulator was the first to respond. Westpac no response.
I got a credit card with Westpac as part of a loan deal. The interest rate was reasonable but that was not a concern as I paid everything on time. The offers for cashback rewards were acceptable but the high amount needed to spend before getting cash back was a tall-order for me. The points system was good however if there's a chance to get more points through reward partners, it would be ideal. Some banks offer deals such as waive international transactions and having something like that would make me stay but I have wracked up a lot of points so happy where I am.
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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.