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 30th June 2017, and make a purchase within the first 30 days.
Earn 1 flybuys point for every $2 spent – everywhere, everyday.^
Protected by the Coles Shield.
No annual fee to pay, ever.
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Westpac Low Rate Credit Card Exclusive Offer
APPLY BY 28 jun 17
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.
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Yes
13.49% p.a.
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$59
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Coles No Annual Fee Mastercard
APPLY BY 30 jun 17
77 reviews
$100 off one Coles Supermarket shop if you apply and are approved by 30th June 2017, and make a purchase within the first 30 days.
Earn 1 flybuys point for every $2 spent – everywhere, everyday.^
No annual fee to pay, ever.
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Yes
19.99% p.a.
ongoing
$0
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The American Express Essential® Credit Card
5 reviews
Receive a $50 credit when you apply online, are approved and spend $750 on your new Card within the first 3 months. Conditions apply.
Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone (Conditions apply)
Eligible for use with Android Pay, Apple Pay and Samsung Pay.
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Yes
14.99% p.a.
ongoing
$0
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HSBC Platinum Credit Card
APPLY BY 31 aug 17
13 reviews
0% p.a. on balances transferred for 22 months, with a 2% balance transfer fee.
Earn 1 Rewards Point per $1 spent.
Annual fee refunded – a potential saving of $99 a year (conditions apply)
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Yes
19.99% p.a.
ongoing
$99
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0% p.a. for the first 16 months on balance transfers with a 2% balance transfer fee. Reverts to 21.74% p.a.
Up to 55 days on purchases.
$99 p.a. annual fee.
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Yes
11.49% p.a.
ongoing
$99
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Receive 50,000 points when you apply online, are approved and spend $1,500 on your card within the first 3 months. Conditions apply.
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.
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Yes
20.74% p.a.
ongoing
$395
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0% p.a. for the first 16 months on balance transfers with a 2% balance transfer fee. Reverts to 21.74% p.a.
Low 12.49% p.a. ongoing rate on purchases.
Low annual fee of $58 p.a.
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Yes
12.49% p.a.
ongoing
$58
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NAB Low Rate Card
APPLY BY 01 oct 17
77 reviews
0% p.a. on balance transfers for 16 months.
Make purchases with NAB’s lowest interest rate card and longest interest-free period.
Low $59 p.a. annual fee.
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Yes
13.99% p.a.
ongoing
$59
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NAB Low Rate Platinum Card
APPLY BY 01 oct 17
0% p.a. on balance transfers for 16 months.
Platinum Concierge Service plus seven complimentary travel insurances.
Up to 55 days on purchases.
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Yes
13.99% p.a.
ongoing
$100
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NAB Premium Card
APPLY BY 01 oct 17
27 reviews
0% p.a. for 20 months on balance transfers.
24 hour, 7 day Platinum Concierge Service.
7 types of complimentary insurances including overseas travel insurance.
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Yes
19.74% p.a.
ongoing
$90
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Citi Simplicity Card
APPLY BY 31 aug 17
No annual fee.
Enjoy 10% cash back on all eligible purchases capped at $50 per month for first 4 months from card approval.
0% p.a. for 6 months on balance transfers.
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Yes
19.99% p.a.
ongoing
$0
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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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We welcome your questions but we cannot help if you need personal financial advice or if have lost your card or need to resolve a dispute with your bank.
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