Best travel credit cards

4 of the best travel credit cards on the market right now

• Best overall pick for travel features and 0% interest offer: Bankwest Breeze Platinum Mastercard
• Best travel card for perks and extras: Latitude 28° Global Platinum Mastercard
• Best $0 annual fee travel card: Bendigo Bank Ready Credit Card
• Best points earning travel credit card: Bankwest Qantas Platinum Mastercard

Finder Score	Foreign currency conversion fee	Interest-free days	Purchase rate p.a.	Annual fee
Best overall pick for travel features and 0% interest offer
Finder score 9.9 Excellent Bankwest Breeze Platinum Mastercard Finder Award	Finder score 9.9 Excellent	0%	Up to 55 days on purchases	Intro purchase rate 12.99%	$59	View details Compare product selection Compare	loading	Why we like it This card gives you a way to save on overseas travel costs with 0% foreign transaction fees and overseas travel insurance, with the option of upgraded cover through Cover-More. Right now, it also offers 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee. This could help you save on interest for up to two years as you pay off a trip. The 12.99% interest rate that applies after the introductory period is also competitive. And if you're approved, you can get a digital card straight after activating your account. Pros & cons Pros Balance transfer offer of 0% p.a. for 24 months A low ongoing 12.99% p.a. purchase rate No foreign transaction fees on overseas purchases Cons Does not include a rewards program Cash advance rate of 21.99% p.a. Charges a 3% balance transfer fee
Best travel card for perks and extras
Finder score 8.5 Great Latitude 28° Global Platinum Mastercard Latitude Rewards	Finder score 8.5 Great	0%	Up to 55 days on purchases	Intro purchase rate 28.49%	$0 first year ($96 after)	Go to siteView details Compare product selection Compare	loading	Why we like it With the Latitude 28° Global Platinum Mastercard you get 0% international transaction fees on purchases while you travel overseas or shop online. This card has a bunch of handy travel perks too. You get free data roaming with Flexiroam, which gives you a choice of SIMs and 3GB of free data for 15 days each calendar year to use in over 150 countries. Plus there's free lounge access when your flight is delayed with the Flight Delay Pass at select airport lounges. Pros & cons Pros Up to $500 Latitude Rewards $0 first-year annual fee 0% international transaction or currency conversion fees on purchases Cons Purchase interest rate of 28.49% p.a. Charges a payment handling fee of $1.95 for BPAY payments and $3.95 for payment at Australia Post. You can avoid the fee by using Latitude Service Centre or via direct debit.
Best $0 annual fee travel card
Finder score 9.8 Excellent Bendigo Bank Ready Credit Card	Finder score 9.8 Excellent	0%	Up to 55 days on purchases	Intro purchase rate 19.99%	$0	View details Compare product selection Compare	loading	Why we like it You can't find a cheaper credit card to use overseas than one with $0 annual fee and no foreign transaction fees. The card also offers complimentary overseas travel insurance, which is a rare perk for a cheaper card like this. The card doesn't offer too much else in terms of perks and features, but it's a really cost-effective choice for anyone looking to spend money overseas, whether shopping online or travelling. Pros & cons Pros $0 annual fee 0% international transaction fees on purchases Access to complimentary overseas travel insurance Cons No introductory offers on purchases and balance transfers Does not feature a rewards program There is a $15 late payment fee
Best points earning travel credit card
Finder score 9.8 Excellent Bankwest Qantas Platinum Mastercard Qantas Frequent Flyer	Finder score 9.8 Excellent	0%	Up to 44 days on purchases	Intro purchase rate 19.99%	$199	View details Compare product selection Compare	loading	Why we like it Unlike most travel cards that offer 0% foreign transaction fees, the Bankwest Qantas Platinum Mastercard also lets earn Qantas Points on your spending. While the earn rate is not very high compared to most frequent flyer credit cards, it's a nice added benefit. And the card also offers 0% foreign transaction fees. The annual fee with this card is a bit higher than other top scoring cards, which is normal for cards that let you earn frequent flyer points. Pros & cons Pros Up to 80,000 bonus Qantas Points offer 0% foreign transaction fees Complimentary overseas credit card travel insurance Cons Relatively high ongoing annual fee of $199 p.a. and purchase rate of 19.99% p.a. Earn rate per $1 spent is low compared to other Qantas cards

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• Methodology: How we chose these cards

  The Finder Score for travel credit cards scores all the eligible cards in Finder's database. Cards are ranked on 6 features:

  • Foreign exchange fees: Cards with 0% fees score the highest. This is the most important factor in the travel credit card category.
  • Travel insurance: Cards score higher if they offer complimentary travel insurance.
  • International ATM fee: the lower the fee the higher the score.
  • Purchase rate: The lower the rate the higher the score.
  • First-year fee. $0 annual fee in the first year of the card scores the highest.
  • Ongoing annual fee: A $0 ongoing annual scores the highest.

  We weigh up these 6 factors and score the cards. The higher the score, the better the card for the average travel card customer. We update these scores every month.

  Keep in mind: Our top picks may not always be best for you. Based on your situation, you may find certain features to be more or less important, so compare your options before you apply.

Can I use my everyday credit card overseas?

Yes, you can use any credit card when you travel internationally. Just like in Australia, the business will need to accept card payments, but that's common in a lot of popular travel destinations.

Keep in mind that many credit cards and debit cards charge a 2-3% foreign transaction fee when you make payments in another country. So before you go overseas with your everyday card, check its foreign currency fee to make sure it's affordable.

Compare more credit cards with 0% foreign transaction fees

If you're trying to save money, the best credit card to use overseas is likely one with 0% foreign transaction fees. If you want a card that can help you earn points and get you there for free, you can compare frequent flyer credit cards.

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10 of 25 results

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Finder Score	Foreign currency conversion fee	Interest-free days	Purchase rate p.a.	Annual fee
Finder score 9 Excellent humm90 Platinum Mastercard	Finder score 9 Excellent	0%	Up to 110 days on purchases	Intro purchase rate 27.3%	$0 first year ($119.40 after)	Limited time: Get $150 back when you use the promo code 150BACK and $0 monthly fees for 12 months. Ends 25 Mar 2026. T&Cs apply.	Up to 60 months interest free at 50+ partner retailers like Ikea, Freedom and Flight Centre.	Go to siteView details Compare product selection Compare	loading
Finder score 8.5 Great Latitude 28° Global Platinum Mastercard Latitude Rewards	Finder score 8.5 Great	0%	Up to 55 days on purchases	Intro purchase rate 28.49%	$0 first year ($96 after)	Get a bonus $260 in Latitude Rewards if you spend $2,000 p/m in the first 3 months and ongoing Latitude Rewards up to $240 each year when you spend $1,000+ on eligible international and local purchases each month. New and approved customers by 30 April 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading
Finder score 9.9 Excellent Bankwest Breeze Platinum Mastercard Finder Award	Finder score 9.9 Excellent	0%	Up to 55 days on purchases	Intro purchase rate 12.99%	$59	ContinueView details Compare product selection Compare	loading
Finder score 9.8 Excellent Bendigo Bank Ready Credit Card	Finder score 9.8 Excellent	0%	Up to 55 days on purchases	Intro purchase rate 19.99%	$0	ContinueView details Compare product selection Compare	loading
Finder score 9.8 Excellent ING Orange One Rewards Platinum	Finder score 9.8 Excellent	0%	Up to 45 days on purchases	Intro purchase rate 16.99%	$149	Up to $30 cashback per month and $0 ATM fees. Available when you hold or open an Orange Everyday bank account.	ContinueView details Compare product selection Compare	loading
Finder score 9.8 Excellent Bankwest More Platinum Mastercard Bankwest More Rewards Program	Finder score 9.8 Excellent	0%	Up to 44 days on purchases	Intro purchase rate 19.99%	$160	ContinueView details Compare product selection Compare	loading
Finder score 9.8 Excellent Bankwest Qantas Platinum Mastercard Qantas Frequent Flyer	Finder score 9.8 Excellent	0%	Up to 44 days on purchases	Intro purchase rate 19.99%	$199	ContinueView details Compare product selection Compare	loading
Finder score 9.7 Excellent Bankwest More World Mastercard Bankwest More Rewards Program	Finder score 9.7 Excellent	0%	Up to 44 days on purchases	Intro purchase rate 19.99%	$270	Get 10 complimentary airport lounge passes per year.	ContinueView details Compare product selection Compare	loading
Finder score 9.7 Excellent Bankwest Qantas World Mastercard Qantas Frequent Flyer	Finder score 9.7 Excellent	0%	Up to 44 days on purchases	Intro purchase rate 19.99%	$320	ContinueView details Compare product selection Compare	loading
Finder score 9.7 Excellent Bank First Visa Platinum Credit Card	Finder score 9.7 Excellent	0%	Up to 55 days on purchases	Intro purchase rate 11.49%	$99	ContinueView details Compare product selection Compare	loading

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How we picked these

How we calculate Travel Credit Cards Finder Score

Read full methodology

What different scores mean

9+

Excellent

These cards offer lower currency conversion fees and relevant perks for travelers like insurance and ATM access.

7+

Great

Reasonable cards for travelers, however can potentially charge higher fees.

5+

Standard

While eligible to be used to travelers internationally, these cards may charge currency conversion, overseas ATM withdrawal and ongoing fees.

0+

Basic

These cards should be used for international purchases only in the event of an emergency.

Types of travel credit cards

There are 4 main types of credit cards that offer features and benefits for travellers:

• 0% foreign fees
  These credit cards don't charge an international currency conversion fee and can save you around 2-3% compared to some other credit and debit cards.

• Complimentary travel insurance
  Credit cards with complimentary overseas travel insurance typically offer cover for medical emergencies, travel delays and lost or stolen luggage. Some offer cancellation cover and many cover COVID-related claims.

• Frequent flyer
  A frequent flyer credit card offers you points for your everyday spending, which you can redeem for flights and other rewards.

• Lounge passes or travel credit
  Some premium credit cards offer airport lounge passes you can use before your flight. And a few cards offer flight or travel credit for international or domestic bookings.

Pros and cons of using credit cards for travel

How to compare travel credit cards

• Look at all the fees. A 0% foreign transaction fee will save you most when using a credit card overseas. Some cards charge up to 3%. But there's also fees for making overseas ATM withdrawals, and standard fees like the annual fee.
• Travel insurance. Check if the credit card offers complimentary travel insurance. While you can get a standalone policy, being covered by your card is convenient.
• Other travel perks. Some credit cards offer flights or yearly travel credit, concierge services to help with travel bookings. You might also be able to get complimentary lounge passes that offer a one-off access to an airport lounge.
• Points and rewards. It's possible to get a travel credit card that also lets you earn frequent flyer points, rewards points or some form of cashback.

Do I need a travel credit card?

A credit card is not your only option to spend money overseas.

• Cash. Depending where you travel, carrying some local cash is wise. It's not particularly secure if you lose it, and in some countries you may have an easier time with plastic.
• Pre-loaded travel card. A pre-loaded travel card or travel money card is a great alternative to a credit card. You can load it up with a foreign currency and spend it overseas without getting charged foreign transaction fees. Wise and Revolut are 2 popular options.
• Debit card. You can often use a debit card overseas just like a credit card. And like a credit card, you'll likely get charged a foreign transaction fee.

"Last time I went overseas I didn't use a credit card once I landed. I used a Wise multi-currency card, which I was able to pre-load in the local currency for a small fee and a pretty competitive rate. Then I just used that card as if it was a local debit card. It was quick to top up mid-journey as well. But I did book flights, hotels and a hire car in advance using a credit card that earns frequent flyer points."

Richard Whitten

Senior Money Editor

How we calculate Travel Credit Cards Finder Score

Read full methodology

What different scores mean

9+

Excellent

These cards offer lower currency conversion fees and relevant perks for travelers like insurance and ATM access.

7+

Great

Reasonable cards for travelers, however can potentially charge higher fees.

5+

Standard

While eligible to be used to travelers internationally, these cards may charge currency conversion, overseas ATM withdrawal and ongoing fees.

0+

Basic

These cards should be used for international purchases only in the event of an emergency.

The lowdown on Finder Score

The Finder Score gives you a simple score out of 10, the higher the better. In the travel card category we examine 250+ credit cards and assess six features, assigning them scores out of 10.

We look at features like international transaction fees, travel insurance, annual fees and the purchase rate. Cards with 0% foreign transaction fees and other travel perks score higher.

The methodology is designed by our insights and editorial team. Commercial partnerships carry no weight, all products in the database are scored objectively.

The same card will receive a different score within each category, depending on the features being assessed.

Our intention is to enable informed financial decision-making quickly and easily. Please consider your own financial circumstances when making a decision.

• Crunching the numbers: how the Finder Score works

  • 9+ Excellent - These cards offer lower currency conversion fees and relevant perks for travellers like insurance and ATM access.
  • 7+ Great - Reasonable cards for travellers, however can potentially charge higher fees.
    5+ Satisfactory - While eligible to be used to travellers internationally, these cards may charge currency conversion, international ATM withdrawal and ongoing fees.
  • Less than 5 – Basic - These cards should be used for international purchases only in the event of an emergency.

  Finder Score metric assessment - Travel credit cards

  Feature	Definition	Assessment	Weight
  Foreign Exchange Fees	Fees charge on international transactions	Lower fees score higher	50%
  Travel Insurance	Complimentary travel insurance	Full score for complimentary insurances	15%
  Overseas ATM Fees	Fees charged by card provider to withdraw from international ATMs	Lower fees score higher	10%
  Purchase Rate	Interest rate on new purchases	Lower rates score higher	10%
  First-Year Fee	Annual fee charged in the first year of ownership	Lower fees score higher. $0 fee receives the maximum points.	7.5%
  Ongoing Annual Fee	Annual fee charged from the second year onwards	Lower fees score higher. $0 fee receives the maximum points.	7.5%

Frequently asked questions

• Is Visa or Mastercard better for international travel?

  There isn't much difference between Visa and Mastercard credit cards when you're overseas: both operate in over 200 countries and offer fraud protection.

  American Express is accepted in over 130 countries and also offers fraud protection that's similar to Visa and Mastercard. So, with a few exceptions (think Cuba, North Korea, etc.), you'll pretty much be able to use any credit card when you travel.

• Can I add extra funds to my credit card before I go overseas?

  While some travellers add money to their credit card accounts to avoid interest charges when they're away, it's not possible on all cards. You should talk to your credit card provider or check your credit card product disclosure statement (PDS) for details on how this type of balance is treated – it's usually referred to as a "positive balance".

• What's the point of a travel credit card?

  When used wisely, a travel credit card offers a way to make secure payments when you're overseas and gives you access to other benefits such as 0% foreign transaction fees and complimentary insurance. Some hotels and car rental companies also prefer credit cards for security deposits and payments. But there are potential costs to getting a credit card, including the annual fee and interest payments if you don't pay it off in full, so weigh up your options carefully.

• What is the most accepted credit card for international travel?

  Visa and Mastercard are the most accepted credit cards worldwide, providing seamless transactions abroad. Most card providers and merchants charge international fees and/or currency conversion fees, which can add 3-4% to the cost of each transaction.

• Which credit card is best for flight discounts?

  American Express Qantas Ultimate Card offers exclusive flight discounts and reward points that can be redeemed for travel, however the flights must be booked using the AMEX travel website, which doesn't usually offer deeply discounted sale fares. The Qantas Money Platinum Mastercard offers travel perks like complimentary travel insurance, discounted companion fares, and two invitations to a Qantas Club lounge per year.

"I always travel with my CBA Gold card. It has no foreign transaction fees and also has travel insurance included. The other benefit to using credit cards when you travel is that any fraud happens, it is dealt with swiftly by the bank."

Matt Corke

Head of Publishing Ventures

2026 Finder Awards for Travel Credit Cards

Each year the Finder Credit Card Awards recognises Australia's top credit cards, with expert analysis of rates, fees and offers based on 12 months' worth of data. Here are the top performing travel credit cards.

Best Travel Credit Card: Bankwest Breeze Platinum Mastercard

Bankwest's Breeze Platinum Mastercard is Finder's winning Travel Credit Card at the 2026 Finder Credit Card Awards. The card combines 0% foreign transaction fees with a low annual fee.

Bankwest's Breeze Platinum Mastercard is Finder's winning Travel Credit Card at the 2026 Finder Credit Card Awards. The card combines 0% foreign transaction fees with a low annual fee.

Highly commended

Bendigo Bank Ready Credit Card

The Bendigo Bank Ready Credit Card finished highly commended in the Travel Credit Card category with its low fees and 0% foreign transaction fee.

Bankwest More Platinum Mastercard

Bankwest's More Platinum Mastercard was highly commended in the Travel Credit Card category at this year's awards.

Bank First Visa Platinum Credit Card

The Bank First Visa Platinum Credit Card ranked highly commended in the Travel Credit Card category with its 0% foreign transaction fee and complimentary travel insurance.

Commonwealth Bank Smart Awards Credit Card

The Commonwealth Bank's Smart Awards Credit Card secured a highly commended place in the Travel Credit Card category with a 0% foreign transaction fee and rewards points.

Bankwest Qantas Platinum Mastercard

The Bankwest Qantas Platinum Mastercard was highly commended in the Travel Credit Card category with a combination of no foreign transaction fee, points earning potential and travel insurance.

Bankwest More World Mastercard

Bankwest's More World Mastercard finished highly commended in the Travel Credit Card category thanks to its 0% foreign transaction fee, reward points and complimentary travel insurance.

Bankwest Qantas World Mastercard

Bankwest's Qantas World Mastercard ranked highly commended in the Travel Credit Card category with a 0% foreign transaction fee, a strong Qantas Points offer and free overseas travel insurance.

To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 494 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability