With our mortgage and classic checking/savings account at Westpac, this was the perfect card for my husband and I.

While accruing points for worthwhile gifts is no longer an easy thing, as we use the card for truly any and everything we can, including even the smallest purchase, we’ve got some significant gift cards for Myer, David Jones, Barbecues Galore and Woolworths over the years. And it’s just for buying what we’d buy anyway—a good thing.

We like the free travel insurance and the customer service is good—not great—but good. I trust Westpac and think this is overall a good card.