Best Frequent Flyer & Travel Credit Cards

The 28 Degrees Latitude Global Card is probably one of the most frustrating financial products I've ever used. It's excellent for overseas… Read more

transactions, but that's where the good experience ends.

The biggest issue is its completely outdated payment processing system. When you make a payment from your bank account, Latitude advises that it can take up to SIX DAYS before the funds become available on your card. Think about that for a moment—your money has left your bank account, but Latitude can hold you waiting for nearly a week before you can use your available credit.

In today's world of instant payments and real-time banking, a six-day delay is simply ridiculous. There is absolutely no justification for making customers wait this long to access money they have already paid.

What's even worse is the attitude of customer service. When I raised my concerns, they showed no interest whatsoever. The response was essentially, "That's our process." No ownership, no solution, and no concern for the inconvenience caused to customers.

Latitude is happy for you to use the card, but when you've paid your bill, don't expect the same urgency from them. It's astonishing that a major financial institution still operates this way in 2026.

My advice? If you only need a card for overseas purchases and can tolerate poor payment processing, it may suit you. Otherwise, look elsewhere. There are plenty of competitors that offer great international transaction benefits without making customers wait up to six days for their own money to become available.

A shameful and outdated system that Latitude should have fixed years ago.

BUYER BEWARE - YOUR CREDIT RECORD WILL BE DAMAGED – Prior to applying, I had reasonably decent credentials: credit scores of 1000+ across multiple creditors; income of $250k+; never later with… Read more

payments; good debt/income ratio. My application was declined, with no reason provided. All credit scores now down across the board 200+ points. Better cards out there with more transparency. Suggest avoiding.

Over the years Amex has slowly reduced the services and features they offer. Amex used to be generous, feature packed, and made it easy to bank with… Read more

them. Over the years this has been slowly reduced. Two examples of all the things that have stopped are: - Stopped all types of payments to the card to be nothing else than bank transfer - Visa and Mastercard allow any payment method via banks and post offices for free. (They removed cash payment about 1-2 years ago. Then sent notification 6 months ago, that cheque'ss cannot be used as a payment method. The reason was for security and our saftey. Hmmm, we are paying into the account, not withdrawing. What's the real reason AMEX, honesty goes a long way.). Yes, cheques will be discontinued by banks in good time, but my point here is, why does AMEX have to remove this as well, while the providers of the cheques haven't? - Then we have the points earning reduction. Qantas points earned used to be 1.5 per $. Now it is 1.25.

Only examples I chose to list to reduce my review, but there are many more.

It will be interesting when the new law comes in in October 2026. Where other card providers transactions do no incur a surcharge for the consumer. With this in mind, the fact that they are accepted anywhere, .25 of a point is not worth a surcharge, more flexibility, and I can just carry one card. I will have to weigh up paying $450 per year in return for not much at all.

I've held a Diamond Rewards Visa credit card (and its predecessors) on a fee-free basis for over 30 years. For me, its most useful feature is the… Read more

free travel insurance, especially as I travel overseas several times a year. Otherwise it’s nothing particularly special, compared with my Amex points earning credit card.

I was happy to keep it on a complimentary basis, but a few days ago I received an email from CBA stating that they had been providing this card fee-free in error, and to correct their mistake they would start charging me $32 per month.

Well, of course, I wasn't happy to accept this, and contacted CBA by phone. The agent I spoke to basically said too bad, you’ll just have to wear it. I wasn’t particularly surprised by this response, and had prepared for this eventuality, so I asked the agent to close my account there and then.

To my mind this is just another example of how rapacious the CBA has become, in extracting the last cent from its customers. I also have similar complimentary credit cards with other banks and they have not (yet) pulled the same stunt as CBA.

Bankwest rejected my application immediately despite a good financial situation. When I asked why, they wouldn't provide any information. Do not apply through Bankwest as a rejected application will look bad on your credit profile!

I had booked a flight using Amex travel service. However, later I realised that I was not able to change the date of travel online either on the… Read more

airline website or Amex travel site. I had to call the travel helpline (which took couple of minutes to get through) and even then, the change could be made only after the reprsentative forwarded my request to another part of the organisation and it took hours before the changes could be confirmed. Very stressful indeed particularly if one is already overseas. I am unlikely to book flights any more using the American Express Travel Service based on the above experience.

No contactless pay – Poor technical support and outdated systems, cannot even support Google Pay on many platforms. Show details

Very Poor Service AMEX. I have been a very loyal customer since 1997 and spend a lot of money each Month using card. I have never been late paying… Read more

card. I book international flights through AMEX Tavel regularly. On a recent trip to Perth, I booked a hotel with breakfast included. Upon checking in I was informed that breakfast was not included. Upon calling AMEX Travel and sending over 1.5 hrs on the phone they informed me there nothing they could do. AMEX could not have cared less, so I cancelled my card on the spot after 29 years. Loyalty meat nothing to AMEX. They did not even ask why I was cancelling or ask if they could stop me leaving me.

I applied for the card (I am on Disability Support Pension) in June 2021. After providing additional information requested regarding my assets, the… Read more

card was approved for a generous limit. The staff processing the application were lovely, and very helpful. I was expecting to get knocked back but was pleasantly surprised to be approved.

I’m an NDIS Participant and use this card to pay for most purchases made on my plan. The QF points are just racking up nicely. I’ve had attempted fraud a couple times (apparently the scammers guessed the card details and fluked it once). Bank stopped it and prevented any loss. I even had an attempted fraud on Christmas Day(!) and the bank phoned me and stopped it. They got spooked by one of my allied health providers, but the transaction was legitimate and allowed it no problem once verified.

The purchase protection is very nice, too. I bought a product from a retail store and it failed promptly. The merchant refused to fix it, so the bank charged it back to the merchant. Saved a lot of stress.

I had trouble getting the card to add to Google Wallet on a new phone, so I went into the former Rockingham Branch and the staff looked into it in detail. The lady rang me back the next day, but I couldn’t answer. She left a voicemail with the outcome of their investigation and what needs to be done to get it working. I followed those instructions and voila(!) it worked! I rang her back later that day to thank her. It was a very nice touch. When an employee makes a real effort to assist, it makes a big difference and I feel should be acknowledged :)

The QF points were initially 0.75 per dollar, but this was lowered within the last year. It’s still not too bad, as I still earn tonnes of QF points each month just by paying for regular expenses with it.

I have been with Amex for a very long time. Just recently I wanted to increase the limit. And not by much. I was declined and not even a reason.… Read more

Finances are impeccable. No reason no answers. So cancelled the card. Good luck Amex with your bad service

Unfair cancellation not even a phone call – Today i found out Jetstar MasterCard had cancel my credit card and my years as a good customer because they said I didn’t pId my bill. And I owe… Read more

them a bit over $200 back in mid 2020.

When COVID bit I paid my credit card in full and I think I was a few dollars in credit. I never worried about re checking my balances because I knew I paid it off and I Kew I wasn’t going to be travelling in the near future so I didn’t think much of it until I found the new credit card they send me last year in a bowl waiting to be activated.

I rang them to my shock they told me that because I didn’t pay my bill they terminated My account. The real story here is that I paid my credit card in full and was as I remember in credit back in February 2020 but as COVID hit everything went mad. I had no need of credit card as I wasn’t travelling anymore but the bank regardless of my good credit rating forgot to informed me that they charged me an annual fee.

I never received phone call or e en an email to the fact and today the person I spoke to said it wa my responsibility to check account online that statements get send there. Yes I understand that very well but the fact that my account was settled before COVID-19 hit i had no reason to suspect I own them anything. The fact that some people are struggling and there is messages on website advertising assistance to tose in need is disturbing as simple telephone. All or email could had avoided this. Poor customer service I call this..plus due to current hardships the bank should not be allowed to charge annual fees. I always been a good customer all these years and paid my bills on time and their attitude with my situation has left me very disappointed. I have never received any communication about why they were canceling my account, no telephone call no email ever sent.

I tried to join the frequent flyer program online on five occasions over two days. I kept getting errors with advice asking me to ring their call… Read more

centre. I wasted an enormous amount of time trying to join. I rang the call centre number provided. I could not understand half of what the service representative was saying to me because she spoke in the thickest of Asian accents, fast. I asked repeatedly to slow down speak concisely and precisely and I would do the same, because of my Australian accent. It was a long call already. I gave up, thru in the towel, when she asked me to spell a simple word which I repeated slowly, precisely, to her and she got the A as an I. I said let's just cancel, goodbye. I regret booking my flights with Virgin I should have gone Qantas. This is their call centre! There was loud chatter in the background, people talking behind her, and not on the phones. . Virgin can suck jet fuel. I've left the hanger. I'll be fair with the review of my upcoming flights, but I will review them.

Qantas Credit Card people won't help...Won't return contact requests....Web site that doesn't allow an application to be submitted.... Keep getting… Read more

emails stating to complete the application only to use the web page which won't work........Rude call Centre Customer Service Staff.....and I could go on.

Excellent – I'm a fan of this card, and would recommend it to anyone. I use it for all my grocery purchases and anything else I can think of! I've had this card… Read more

for three years now, and love that Amex always has special offers or sometimes surprises me with extra FF points - in my time I have accumulated almost 150,000 points. I decided this year that I couldn't afford the annual fee so tried to cancel and they waived the fee, and waived the supplementary card fees as well for my family.

Customer service is always impeccable. I also like that travel insurance is included and that you get Qantas Club invites, as well as the 1.25 points per dollar spent. This card is really worth it. I would have said the annual fee!

Delivered to wrong address – Its wonderful to have express delivery to the country areas....but....my son purchased a present from JBHI (love JBHI, they might want to reassess in… Read more

the best interest of their business who they use as a courier), he was home on the Monday & Toll left a card, thats ok, got online to do the redeliver thing, easy process. However come Friday & he checks delivery status, its already been delivered but to who. The signature is not his. Rang customer service & was on hold for 37minutes before a sassy customer service lady answered, she was ok but was very hard to understand as it sounded like she was yelling in the phone. She got a few details wrong. Anyways, we have to wait for customer service to call back within 24hours to resolve the missing JBHI package that was delivered to who knows now.

What is wrong with Macquarie Bank?? I hold 10 accounts with them with substantial assets and want to apply for a credit card. It takes 3 contacts, 2… Read more

weeks and my brokers involvement just to get the application form sent my way. Continually advised that assessments can take up to 10 days - no problems. Was told on last week (when enquiring about something else) that the assessor was looking at it that day. Haven’t heard anything so today I ask- now told it won’t be looked at for 3 weeks??? You can’t call them because they just harp on about us using their online chat but the chat is useless! Scripted information and they don’t even acknowledge the events and communication that have occurred - only want to stick to their script. Highly disappointing and will be proceeding to a formal complaint now. This is the definition of being treated like a number, not a person!

I recently changed my credit card from an ANZ Frequent Flyer Black (FFB) to an ANZ First Credit Card as I couldn’t stomach the annual fee on the FFB… Read more

card any longer. At the point in time when I activated my new ANZ First Card, which de-activated the FFB card (since it was a change of card request), a fraudulent transaction was posted against the FFB card number. ANZ claims that this transaction was performed by someone cloning my old card (even though my card never left my possession and the transaction was posted in a different state). Seems very coincidental that this transaction happened at exactly the moment in time when I activated my new card, which de-activated my old card from Apple Pay/Apple Wallet. And there had been no other fraudulent transactions against this card up to this point in time. My suspicion is that there is an issue in the banking system whereby when a card is deactivated via activating a replacement card type, the deactivated card gets crossed with another cardholders card resulting in a transaction that is in the process of being posted, getting processed against the wrong cardholders card. So please beware when changing credit card types with ANZ Bank and check your account activity if you do to look out for erroneous transactions against your account. Note also that ANZ fraud protection is useless. I posted a POS transaction in my home location less than hour prior to the erroneous transaction being posted and the erroneous transaction was also POS in another state that is over 4 hours away by plane. So why wasn’t this picked up by ANZ as fraud and stopped?

When I was approved for this card in June 2023 It was a good card. I got 80,000 sign on bonus points and get 1 point/$1 spend which these days is… Read more

good.

After the changes they made to the online system late last year it became a mess. It took a few MONTHS from the start to finish. I couldn't access my account on my PC during that time but could in the app. During that time every transaction was either duplicated or tripled (later fixed). They changed the layout of the statement so that you needed a degree to understand it. I lodged a complaint and the person who dealt with it showed almost no interest. I imagine she was overwhelmed with other complaints.

Now there is NO information on the website or the statements to show how many Velocity points are earned. All you see is when they appear in your Velocity account. Imagine that? A points earning card with no details on your points! I've hitched my wagon to Virgin for flying and have now ben approved for an AMEX Velocity card which will be my main card. Unfortunately with Amex you need a backup card as a few business don't accept it otherwise I would have already cancelled the High Flyer card.

I've just noticed that they are no longer accepting new applications for the card "New applications: Applications for a new Virgin Money Credit Card are currently unavailable." Explains a lot. They want to get rid of existing pesky cardholders.

Poor customer service. No notifications when card used. Can't increase credit limit. When topping up the card it takes several days to transaction. Give this card a wide berth Show details

I've had this card for about 3 months and the first month was charged $660 in interest because I never actually received a statement and had to call… Read more

to get it and then my payment was late (I never pay credit cards late), and next statement I paid on time but somehow they still charged me $84 in interest. You also don't receive a statement online, but only transactions. It hasn't been set up properly so wait a couple of years before you get this one - it's really hopeless. I'll be calling them up again tomorrow for answers.

On the phone for over 2 and half hours getting transferred from one person to the next (6 in total) with none of them being able to rectify the issue… Read more

I was/am having in making flight bookings for my grandson's. In the end I was conveniently disconnected. Looks like the easier outcome will be just to cancel the flights and go with another carrier like Virgin or whoever. Qantas IS Australias worst airline !!!

Despite having a well established, long-term farming business with multi-million dollar turnover, apparently we don't qualify for a business credit… Read more

card. I'm not sure what businesses the ANZ criteria are designed to suit, but they clearly have no discretion to apply common sense and farming doesn't tick their box! I invested a considerable amount of time assembling the tomes of documentation required for the application. The portal for uploading documentation was glitchy. All in all it has been a lot of frustration without the desired outcome.

After three attempts I was finally successful. I am pleased to say that approval only took a day and the card was received in about a week. The… Read more

second attempt went missing after the photo id check was done, no email or an application id. I guess the message is, preserve if you really won’t the card.

Good reward, but annual fee and points capped at $5000 – the card reward programme itself was quite good, $1 per point on visa card that is one of the highest conversion in the market. sign up offer is very… Read more

attractive at the moment, offering 120000 points, comparing anz 100k. $395 annual fee was ok, they started to charge me annual fee last year even I had multiple home loan with them. in terms of customer service, I don't know why their csc always typing on the computer, and most of the time they were just silent. probably too much chatting with Indian, who is really doing th work, they are just the face in australia.

It just doesn't make sense! – Stay away from the HSBC credit card. I just realized today that I’ve been charged over $70 (3%) as an overseas transaction fee for an international… Read more

flight from Melbourne, even though the purchase was made on the carrier's .com.au website. I made similar overseas flight purchases using a Westpac Qantas card in 2024, and there was absolutely no “overseas transaction fee.” The so-called “consultant” from HSBC had no intention or ability to negotiate and retain a customer. On top of that, there was another $100 increase in the annual fee for two consecutive years. I’ll be canceling this card soon.

After Suncorp forced us over to My Card it's been nothing but terrible. When over the limit you can't instantly transfer money into the card, it's… Read more

only via BPAY so your money sits in limbo for 3 days before it appears on the credit card. So you can't use the card for 3 days.

And now they've just issued a notice today they are removing the complimentary travel insurance from it in less than 2 months time. I've booked an overseas trip in October with it which I had coverage for. But apparently not now! How is this legal?

I haven't even checked if we're actually still getting Qantas points from it which was what we had with Suncorp.

All our home loans have been with Suncorp for 10 years. Will be moving banks due to this complete lack of honouring agreements and lack of customer service.

Terrible experience as I made a typo on repayment amount, paid $5 less full payment. Then I was interest charged $14 as penalty, followed by interest… Read more

charge on every single dollar spent within 55 days after the miss. It's all running at the background without giving you any notice, until a statement arrives.

Not until I spent 15min getting to their chat I was told all about this. The customer service simply copy and paste all T&C like robot. You should really know how to ask the questions to get a proper answer from them.

I paid full straight away. But the payment could not be made at weekend, and could only be counted on the following Tue. Before then you expect interest charge is still running. So much stress!

While they suggest this can be avoided by setting up Direct Debit, funny is they do old school with print, sign, and postal. They try to stress you by all mean. You need to be smart enough to use this card.

Very Disappointing – Not What You Expect from a “Premium” Card I am extremely disappointed with the American Express Business Platinum Card. For a… Read more

card that markets itself as premium and high-end, the experience has been the complete opposite.

Customer service agents are polite and human, but they operate like robots. They simply repeat scripted responses and show little understanding of the actual issue. It feels like there is no flexibility or real support when you genuinely need help.

The card advertises “no preset spending limit,” but in reality that doesn’t mean much. When you actually need to spend for your business, transactions can still get declined or restricted. It creates uncertainty and defeats the purpose of having a supposed premium business card.

Another frustrating part is that they constantly ask you to make payments well before the due date just to continue using the card. Instead of functioning like a reliable charge card, it feels like you’re being forced to prepay repeatedly.

Overall, the experience feels misleading. The marketing promises flexibility and premium service, but the reality is restrictive and inconvenient.

Honestly, it feels like a scam for the annual fee they charge. Very disappointing. Shame on Amex for promoting something that doesn’t live up to its reputation.

Terrible – The staff who assess the application are unprofessional and rude. They keep changing what are required to support the application, as soon as you… Read more

provide them what they have requested they request something different.. like many times (>3)... They don't call you to discuss anything they just send you emails using a template like robot and even the emails are contradicted... Wasted so much time on this... Wouldn't bother if I knew...