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.

fraud protection guarantee
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Westpac Altitude Black Credit Card Exclusive Offer
APPLY BY 26 oct 17
EXCLUSIVE OFFER
80,000 + Bonus 20,000 Qantas or Altitude Points. New cards only. Min spend and T&Cs; apply.
$200 off the first year annual card fee (bringing the fee to $195).
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
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Yes
20.24% p.a.
ongoing
$195
1st year
then $395
Westpac Low Rate Credit Card Balance Transfer Offer
APPLY BY 26 oct 17
0% p.a. for 24 months on balance transfers. (2% balance transfer fee applies).
Low variable balance transfer revert rate of only 13.49% p.a.
An annual card fee of $59 p.a.
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Yes
13.49% p.a.
ongoing
$59
ongoing
Coles No Annual Fee Mastercard
APPLY BY 31 dec 17
77 reviews
$100 off a single Coles Supermarket Shop if you apply and are approved by 31st Dec 2017 and make a purchase within 30 days. (t&c’s apply).
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
ongoing
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
ongoing
HSBC Platinum Credit Card
APPLY BY 31 oct 17
14 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
ongoing
Enjoy $250 back when you spend $500 on eligible purchases in the first 60 days of approval.
Up to 55 days on purchases.
$99 p.a. annual fee.
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Yes
11.49% p.a.
ongoing
$99
ongoing
Receive 50,000 points when you apply online, are approved and spend $1,500 on your card within the first 3 months.
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
ongoing
Enjoy $100 back when you spend $500 on eligible purchases in the first 60 days of approval.
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
ongoing
NAB Low Rate Card
APPLY BY 12 nov 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
ongoing
NAB Low Rate Platinum Card
APPLY BY 12 nov 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
ongoing
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.
More info
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Yes
19.74% p.a.
ongoing
$90
ongoing
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80,000 + Bonus 20,000 Qantas or Altitude Points.
Plus $200 off the first year annual card fee.
80,000 Qantas or Altitude Points when you spend $5,000 on eligible purchases on a new Altitude Black credit card within 90 days from card approval + BONUS 20,000 Points on card approval.
$200 off the first year annual card fee.
Earn 1.25 pts per $1 spent on the Amex worldwide and 0.625 pts per $1 spent on the Mastercard in Australia.
24/7 Altitude Black Card Priority Service line.
Redeem Altitude points through Altitude Black Travel Service or convert your points into Virgin Australia’s Velocity, Malaysia Airline’s Enrich, Air New Zealand Airpoints, Singapore Airlines KrisFlyer, Cathay Pacific AsiaMiles.
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
2 complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services.
2 complimentary American Express Sydney international Airport lounge passes.

Promotion: The bonus points promotion is available when you apply for a new Westpac Altitude Black credit card via this page between 4 September 2017 and 26th October 2017. The bonus points will be credited to your points balance as follows: 20,000 points within 8 weeks of card approval and 80,000 points within 12 weeks after the eligible spend criteria being met. Spend criteria is a minimum amount of $5,000 on eligible purchases within 90 days from card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. To be eligible, the account must be open and not in arrears at the time of crediting points. Existing Westpac customers who currently hold an Altitude Platinum credit card, or who have held one in the last 12 months are not eligible for this offer. You must be a member of the Qantas Frequent Flyer program to earn Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions.

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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