The Finder Customer Satisfaction Awards ask Australians how satisfied they are with their rewards credit cards. We surveyed thousands of Australians to rate their providers based on customer service, features and benefits, ease of application, fees and interest rate, and trustworthiness.
Most Loved Rewards Credit Card: American Express

American Express is Australia's most loved rewards credit card brand for the 2025 Customer Satisfaction Awards. American Express customers scored it highly in all categories, making it the most loved, trusted and recommended brand with top value and legendary service.
Loved Brand

NAB
NAB finished highly commended in the most loved rewards credit card category in 2025.
NAB
NAB finished highly commended in the most loved rewards credit card category in 2025.

Westpac
Westpac was a runner up this year for most loved rewards credit card.
Westpac
Westpac was a runner up this year for most loved rewards credit card.
Most Trusted Rewards Credit Card: American Express

American Express is the most trusted rewards credit card brand in Australia in 2025. It got a trust score of 4.3.
Trusted Brand

Westpac
Westpac was highly commended in the most trusted rewards credit card brand category. It got a score of 4.1.
Westpac
Westpac was highly commended in the most trusted rewards credit card brand category. It got a score of 4.1.

Commonwealth Bank
The Commonwealth Bank was also highly commended in the trust category this year.
Commonwealth Bank
The Commonwealth Bank was also highly commended in the trust category this year.
Legendary Service Rewards Credit Card: American Express

American Express is the 2025 customer satisfaction award winner for legendary service, with a score of 4.3 for customer service.
Quality Service

Commonwealth Bank
The Commonwealth Bank was highly commended in the legendary service category. It had a score of 4.0.
Commonwealth Bank
The Commonwealth Bank was highly commended in the legendary service category. It had a score of 4.0.

NAB
NAB also finished highly commended for its legendary customer service in 2025.
NAB
NAB also finished highly commended for its legendary customer service in 2025.
Top Value Rewards Credit Card: American Express

American Express is the top value winner in 2025. Customers give it a score of 4.2 for value.
Value

Coles
Coles finished up as one of the top value rewards credit card brands with a score of 4.0.
Coles
Coles finished up as one of the top value rewards credit card brands with a score of 4.0.

NAB
NAB was a runner up this year for the top value rewards credit card.
NAB
NAB was a runner up this year for the top value rewards credit card.
Most Recommended Rewards Credit Card: American Express

American Express is Australia's most recommended rewards credit card brand. American Express customers were most likely to recommend its rewards credit cards to family and friends.
Recommended Brand

Coles
Coles was one of Australia's most recommended rewards credit card brands this year. 84% of Coles customers say they'd recommend its cards.
Coles
Coles was one of Australia's most recommended rewards credit card brands this year. 84% of Coles customers say they'd recommend its cards.

Qantas Money
83% of Qantas Money rewards credit card customers recommend the brand.
Qantas Money
83% of Qantas Money rewards credit card customers recommend the brand.
How we picked our Customer Satisfaction Awards
Each year, thousands of Australians rate brands they've used as part of Finder's Customer Satisfaction Awards. Consumers assess brands within a product category across various metrics, including trust, customer service, value and overall satisfaction. Finder surveyed thousands of customers and analysed their feedback.
Customers reviewed products they had purchased or used recently, with the recency period varying by category—from within the past year to up to five years.
Surveys continued until each category reached a minimum sample size of 500 to 5,000 responses, depending on the category. Respondents selected a brand from a pre-populated list or entered their own. Responses were recorded as they fell naturally.
We used the following metrics to assess brands and asked customers between 4-8 questions, including:
- if they would recommend this brand to a friend.
- how they would rate each brand on a scale between 1 and 5 in terms of several metrics that varied by category, including: brand love, customer service, trust, reliability, features, value, and any factors unique to each product category (for example, 'rewards programs' for retailers).
The final scores were determined exclusively based on the relevant metric. For example, the Most Trusted award was calculated based on responses to the question on how much people trust a brand, while the Most Loved award was based on responses to the question on how much people love a brand.
If a brand or product no longer exists in the market, they were disqualified and excluded from our assessment, meaning that they were ineligible for consideration for any Award (even though responses may have been collected in relation to the relevant brand's product(s) at such time that they were previously available). However, if only the brand's name changed and the products remained the same, the brand was still eligible for consideration for an Award and was assessed by us on the basis of the new brand name. Additionally, brands that did not meet the minimum per-brand sample size were excluded. The threshold ranged from 40 to 100 responses per brand, depending on the category, with most being 100.
The Finder Customer Satisfaction Awards is an independent awards program and commercial partnerships do not influence the results in any way.
Disclaimer: We tried to collect feedback and data from survey participants on as many products and providers in the market as possible. Although we were able to assess an extensive range of products and providers from the survey responses, we can't say that every provider and/or product currently available in the market was considered as part of our review and winner selection process. Some products and/or providers may have been omitted from survey responses and therefore not considered by us for any Customer Satisfaction Award. Read our Advertiser Disclosure.
Meet our experts

Graham Cooke, Head of consumer research
Graham Cooke is Finder’s Head of Consumer Research, leading the team responsible for gathering and analysing data on everything from consumer spending and saving habits to how different financial products perform in the real world.

Richard Whitten, Money editor
Richard Whitten is a money editor at Finder. He has been covering home loans, property and personal finance for the last 7 years.

Alison Banney, Editor, Money
With over 10 years of experience writing about personal finance, Alison has written extensively for a range of financial institutions and publications including Westpac, Money Magazine and Financy.
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