I had underpaid a bill by $5 given an honest oversight. I called and they gave full commitment to waive it both the finance and interest charges. Told me they will take care of everything. I paid the outstanding $5 but in the next month's statement, the finance and interest charges were still not waived but instead compounded. Repeated calls always ended with them committing to fix it but they never their commitments. Ended up, I had enough. Cancelled all 4 cards my wife and I had with them. Extremely unprofessional! I have so many credit cards but never such an experience.

** Pros **
The whole procedure from start to finish with an online application was efficient, fuss-free and confinient for someone with a busy schedule. Didn't need to provide documents or talk to anyone for follow ups.

** Cons **
Over 21% cash advance is pretty steep but I knew that before signing up, so I'm ok with. May be a con for others.
Didn't realise there was a autatoc annual fee charged once the card was activated until I received my first statement. Read documents carefully.
Conscience, speed of procedure and no follow up with any forms/calls.

What initally attracted me to this card is the low interest rate and the fact I am with the bank. It was very easy to apply for (online) and had an immediate answer (well within 60 seconds). The card itself is an ugly plain white, but you do have the option to go online after yo receive the card to change to whatever your heart desires. The card arrived in 2 days after applying, which I thought was lignting fast and was able to use it immediately after phone activation, which itself was very simple and took less than two minutes.
Easy to apply for, low interest rate
ugly card

im happy with the low interest rate. I was given a credit limit of $4000 which was more than i expected (and wanted) however it doesnt bother me because its only used for emergencies. I can track my credit card payments in my internet banking.
Low interest rate for me who is not a regular credit card user. They have the option of 0% balance transfers for 6 months which i dont need but its a great bonus. I can design my card to whatever print i like,
the annual fee is $58 dollars however the interest rate is smaller saving you more money than having the opposite.

As with my Visa this card was easy to use and so I ended up with a large amount owing and couldn't afford to repay the whole balance. This is where the cards are tricky when you're paying interest every month without really reducing your balance much.
Much lower interest rate than many other cards. Is a good addition to having a Visa so you have more payment options. Bigger limit on this card than my Visa so more savings on interest by using this instead.
Annual fee was a bit dearer than on my Visa but still excellent value when you consider the lower annual interest rate.

A good card however one may require a second non-amex card. The annual fee is also reasonable for a gold card. Can use it world wide.
This is a gold card that offers travel insurance for those travelling overseas. This card is great if one is purchasing tickets for overseas travel using it.
American express cards are not accepted by a number of merchants which limits one option to earn maximum point from it. Some even charge higher merchant fees. This means that one has to have another card alongside one's amex just in case amex isn't accepted.

The card is fine, I would like to see a replacement card automatically sent out every 6 months as my card gets a flogging.
Every time i have a need to use it the motel or shop will accept it. On occasion i have been overdrawn and i have still been able make a purchase. I always fix my bill ASAP (Dont you?)
I like this card only because it has a competitave interest rate and its easy to manage online.
I have had AMEX and i would not recomend this card at all. The service is poor and not every outlet will accept AMEX, this helped to sway me to ANZ.
I have used may cards in the past and this one is as good as any, better than most.

the card is not a bad one if you intend to use it for purchases, the rate is not too high compared to other cards, but like so many others beware of the holiday period ending once you've done a balance transfer. for even a small amount you'd pay an arm and a leg, never actually paying off more than the minimum each month.
good if you plan to keep the used balance to a minimum. or pay off very soon for a balance transfer transaction to another card
interest is surreal after the balance transfer period has run out

I think that this card is a fantastic way to pay off another credit card - you simply transfer it's balance over to this card and secure the 0% interest rate. You then work like a mad person to pay it off before the actual interest kicks in. It was extremely easy to apply (online) and I simply dropped into my local ANZ branch to pick up the card.
0% interest rates on balance transfers, very easy to apply online and good customer service
They gave me $2,000 more credit than I wanted, which I thought was a little bit too cheeky

So so. Wouldn't have bothered had I known about the annual card fee being treated as a 'Purchase' and interest would have been applicable from day dot but live and learn.
0% balance transfer for 6 months. Low rate even for b/t's after the 6 months.
ANZ charge the annual card fee on the first statement cycle and treat it as a purchase thereby incurring interest immediately. POOR, very poor. Only ended up costing a few $$$ more over the 6 months but that's the first bank ever to do that to me.

if you are existing an ANZ customer and like to manage the account online + stick with ANZ. fullly recommended to use this card.
however,if you are looking for lower rate and lower annual fees. this is not the best one. u definitely can able to find another to replace it.
it's easy to manage the account especially can do it online.
annual fees and interest rate is not the lower one.
able to find a better deal from HSBC.

I really liked this card and thought that the interest rate was very competitive, they are really helpful with the customer service I just wish that you could use it at more tellers for cash advances cause we all need to get some help sometimes. Great for an emergency and a low annual fee. Pretty good in my books!
The online approval was great. It only took about a minute for them to tell me I was approved I thought that was terrific normally you have to wait ages.
Its ugly which dissapoints me I wish they would make it look great with some new funky designs.

Not satisfied, currently looking at other options as the interest rate on my ANZ card has not stayed at the rate that was agreed upon. Overall NOT SATISFIED

High interest rate compared to other cards @ 12% +