The Finder Customer Satisfaction Awards ask Australians which balance transfer credit card brands they trust and love the most. We surveyed thousands of Australians to rate their credit card providers based on customer service, features and benefits, ease of application, fees and interest rate, and trustworthiness.
NAB is Australia's most loved balance transfer credit card provider for the 2025 Customer Satisfaction Awards. NAB's customers scored it highly in all categories, particularly in trust, customer service and the percentage of people who would recommend the brand to others.
NAB is Australia's most loved balance transfer credit card provider for the 2025 Customer Satisfaction Awards. NAB's customers scored it highly in all categories, particularly in trust, customer service and the percentage of people who would recommend the brand to others.
Loved Brand
ANZ was a runner up this year for most loved balance transfer credit card, with customers giving it a score of 4.1.
ANZ was a runner up this year for most loved balance transfer credit card, with customers giving it a score of 4.1.
HSBC finished highly commended in the most loved balance transfer category this year with a score of 4.1.
HSBC finished highly commended in the most loved balance transfer category this year with a score of 4.1.
HSBC won the customer satisfaction award for most trusted balance transfer credit card brand. Customers with HSBC credit cards gave it a score of 4.3 out of 5 for trust.
HSBC won the customer satisfaction award for most trusted balance transfer credit card brand. Customers with HSBC credit cards gave it a score of 4.3 out of 5 for trust.
Trusted Brand
NAB came second in the most trusted balance transfer credit card category this year, with a trust score of 4.2.
NAB came second in the most trusted balance transfer credit card category this year, with a trust score of 4.2.
Westpac was also highly commended for its balance transfer credit cards, scoring 4.2 for trust.
Westpac was also highly commended for its balance transfer credit cards, scoring 4.2 for trust.
HSBC also won the award for legendary service. Customers rated HSBC 4.23 out of 5 for customer service in the balance transfer credit card category.
HSBC also won the award for legendary service. Customers rated HSBC 4.23 out of 5 for customer service in the balance transfer credit card category.
Quality Service
NAB came in highly commended for its customer service, with customers giving it a score of 4.16 in the balance transfer credit card category.
NAB came in highly commended for its customer service, with customers giving it a score of 4.16 in the balance transfer credit card category.
ANZ was a runner up in the balance transfer credit card category for customer service, scoring 4.16.
ANZ was a runner up in the balance transfer credit card category for customer service, scoring 4.16.
Citi is the most recommended balance transfer credit card brand in 2025. 91% of Citi customers say they'd recommend its balance transfer credit cards to family or friends.
Citi is the most recommended balance transfer credit card brand in 2025. 91% of Citi customers say they'd recommend its balance transfer credit cards to family or friends.
Recommended Brand
Bank of Melbourne was one of the most recommended balance transfer credit card brands, with 88% of customers saying they'd recommend it.
Bank of Melbourne was one of the most recommended balance transfer credit card brands, with 88% of customers saying they'd recommend it.
HSBC was recommended by 88% of its customers in the balance transfer credit card category.
HSBC was recommended by 88% of its customers in the balance transfer credit card category.
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 partnered with leading data and insights firm Dynata to survey customers and analyse 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:
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.
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
Richard Whitten is a money editor at Finder. He has been covering home loans, property and personal finance for the last 7 years.
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