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.