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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
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Coles No Annual Fee MasterCard
APPLY BY 28 feb 17
74 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
4 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
Receive 50,000 points when you are approved and spend $1,500 on your card within the first 3 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.
Enjoy up to two entries per year to the American Express Lounge.
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
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Yes
6 months
0% p.a.
then 13.49%
$58
ongoing
NAB Low Rate Card
APPLY BY 31 may 17
73 reviews
0% p.a. on balance transfers for 18 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
13.99% p.a.
ongoing
$59
ongoing
NAB Low Rate Platinum Card
APPLY BY 31 may 17
0% p.a. on balance transfers for 18 months.
Platinum Concierge Service plus seven complimentary travel insurances.
Up to 55 days on purchases.
More info
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Yes
13.99% p.a.
ongoing
$100
ongoing
NAB Premium Card
APPLY BY 31 may 17
26 reviews
0% p.a. for 24 months on balance transfers.
24 hour, 7 day Platinum Concierge Service.
7 types of complimentary insurances including overseas travel insurance.
More info
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Yes
19.74% p.a.
ongoing
$90
ongoing
Citi Simplicity Card
APPLY BY 30 jun 17
No annual fee.
Enjoy up to $50 cash back, 5% cash back on all retail purchases in the first 90 days from account approval.
0% p.a. for 15 months on balance transfers (1.5% BT fee applies).
More info
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Yes
19.99% p.a.
ongoing
$0
ongoing
Westpac Low Rate Credit Card
APPLY BY 20 apr 17
42 reviews
0% p.a. interest on purchases for up to 6 months.
0% p.a. for 12 months on balance transfers.
No balance transfer fee.
More info
Add to comparison
Yes
6 months
0% p.a.
then 13.49%
$59
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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