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Fraud Protection Guarantee

Don’t get screwed over by fraud and unauthorised charges. Compare credit cards with a fraud protection guarantee for purchases you make with the card.

$100 off one Coles Supermarket shop if you apply and are approved by 28th Feb 2017.
No annual fee to pay, ever.
Earn 1 flybuys point for every $2 spent.
Up to 62 days on purchases
New customers only.
Promotion
fraud protection guarantee
purchase rate
annual fee
apply
Westpac Low Rate Credit Card Exclusive Offer
APPLY BY 30 jan 17
EXCLUSIVE OFFER
0% p.a. for 24 months on balance transfers.
Low balance transfer revert rate of only 13.49% p.a.
An annual fee of $59 p.a.
More info
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Yes
13.49% p.a.
ongoing
$59
ongoing
Coles No Annual Fee MasterCard
APPLY BY 28 feb 17
73 reviews
$100 off one Coles Supermarket shop if you apply and are approved by 28th Feb 2017.
Earn 1 flybuys point for every $2 spent.
No annual fee to pay, ever.
More info
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Yes
19.99% p.a.
ongoing
$0
ongoing
The American Express Essential® Credit Card
3 reviews
Receive a $50 credit when you apply online, are approved and spend $750 on your new Card within the first 3 months of Card Membership.
Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card.
More info
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Yes
14.99% p.a.
ongoing
$0
ongoing
HSBC Platinum Credit Card
APPLY BY 30 jun 17
13 reviews
Earn 1 Rewards Point per $1 spent.
0% p.a. on balances transferred for 15 months.
Annual fee refunded – (conditions apply)
Max credit limits of up to $25,000
More info
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Yes
19.99% p.a.
ongoing
$149
ongoing
$250 Back to your new ANZ Low Rate Platinum Credit Card.
0% p.a. for the first 6 months on purchases from approval.
Up to 55 days on purchases.
More info
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Yes
6 months
0% p.a.
then 13.49%
$99
ongoing
American Express Explorer Credit Card
APPLY BY 30 jan 17
Receive 100,000 points when you apply online by 30th Jan 2017, are approved and spend $1,500 on your card within the first 2 months of Card Membership.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
Smartphone Screen Insurance for up to $500 for screen repairs when you pay for your phone or contract with this card.
More info
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Yes
20.74% p.a.
ongoing
$395
ongoing
$100 Back to your new ANZ Low Rate Credit Card.
0% p.a. for the first 6 months on purchases from approval.
Low annual fee of $58 p.a.
More info
Add to comparison
Yes
6 months
0% p.a.
then 13.49%
$58
ongoing
NAB Low Rate Card
APPLY BY 22 jan 17
73 reviews
0% p.a. on purchases and 0% p.a. on balance transfers for 15 months.
Make purchases with NAB’s lowest interest rate card and longest interest-free period.
Low $59 p.a. annual fee.
More info
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Yes
15 months
0% p.a.
then 13.99%
$59
ongoing
NAB Premium Card Online Only Offer
0% p.a. for 24 months on balance transfers.
7 types of complimentary insurances including overseas travel insurance.
24 hour, 7 day Platinum Concierge Service.
More info
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Yes
19.74% p.a.
ongoing
$90
ongoing
NAB Low Rate Platinum Card
APPLY BY 22 jan 17
0% p.a. on purchases and 0% p.a. on balance transfers for 15 months.
Platinum Concierge Service plus seven complimentary travel insurances.
Up to 55 days on purchases.
More info
Add to comparison
Yes
15 months
0% p.a.
then 13.99%
$100
ongoing
NAB Premium Card
APPLY BY 22 jan 17
26 reviews
0% p.a. for 15 months on balance transfers and purchases.
24 hour, 7 day Platinum Concierge Service.
7 types of complimentary insurances including overseas travel insurance.
More info
Add to comparison
Yes
15 months
0% p.a.
then 19.74%
$90
ongoing
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Q&As about Fraud Protection Guarantee from Customers

Q: Does Visa and MasterCard’s Zero Liability cover me?

As a minimum, yes. Both card issuers Visa and MasterCard protects you from fraudulent or unauthorised transactions made using your card with their Zero Liability Guarantees. However, beyond that basic guarantee, your bank may also guarantee that you’ll never be liable for fraudulent use of your credit card, provided you follow the credit card conditions of use policy.

Q: How is a fraud protection guarantee different to fraud monitoring?

Credit card lenders provide varying levels of sophistication when it comes to fraud monitoring and detection. If they notice something irregular, suspicious or unusual on your card they may send you a text message or call you up to ask you about the transaction. Or you might find out about the fraudulent activity when your statement arrives. A fraud protection guarantee typically means that you will be reimbursed for any unauthorised transactions provided that you have not contributed to the loss and you contacted your bank promptly when you found out about it.

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