0% Foreign Fees Credit Cards

Compare credit cards with 0% foreign fees and save money when you shop overseas.

Latitude Financial Services Credit Card Offer

28 Degrees Platinum Mastercard

$0 annual fee

Eligibility criteria, terms and conditions, fees and charges apply

Latitude Financial Services Credit Card Offer

Enjoy up to 55 days interest-free on purchases, no annual fee and no international transaction fees.

  • $0 p.a. annual fee.
  • 21.99% p.a. on purchases
  • Cash advance rate of 21.99% p.a.
  • Up to 55 days interest free
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Compare No Foreign Currency Exchange Fee Credit Cards

Rates last updated March 26th, 2019
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
28 Degrees Platinum Mastercard
0% of transaction value
$0
3% of the cash advance or $4 (whichever is greater)
$0 p.a.
No foreign transaction fees on international purchases including international purchases online, together with a no annual fee.
Bankwest Zero Platinum Mastercard
0% of transaction value
$0
2% of transaction amount or $4 (whichever is greater)
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
ING Orange One Platinum
2.5%
of transaction value
$2.50
$149 p.a.
Enjoy up to $30 cashback per month and complimentary insurance covers. Available when you hold or open an Orange Everyday account.
Bankwest Qantas Platinum Mastercard
0% of transaction value
$0
2% or $4 (whichever is greater)
$160 p.a.
Enjoy 0% foreign transaction fees, complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
Bankwest More Platinum Mastercard
0% of transaction value
$0
2% of transaction amount or $4 (whichever is greater)
$160 p.a.
Earn 2 More Rewards Points per $1 spent, 75,000 bonus points when you meet the spend requirement and save with 0% foreign transaction fees.

Compare up to 4 providers

Compare No Foreign Currency Exchange Fee Debit Cards

Rates last updated March 26th, 2019
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
HSBC Everyday Global Account
Visa
$0
$0
No foreign ATM or transaction fees.
$0 monthly account fee.
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.
ING Orange Everyday Account
Visa
$0
$0
$0 international transaction fees.
ATM fee rebate.
Pay no International transaction fees and receive a rebate on overseas ATM withdrawal fees when you deposit $1,000 per month and make 5+ card purchases a month
Citi Global Currency Account
Mastercard
$0
$0
$0 transaction fee on international purchases.
Save on international transaction fees by using local currencies with your debit card.
If you’re shopping online on a US site, you can set your debit card transaction currency to USD to pay no international transaction fees.

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Compare Prepaid Travel Cards

Updated March 26th, 2019
Name Product Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee
AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB
AUD $3.50, USD $2.50, GBP £2.00, EUR €2.20, NZD $4.50, CAD $3.00, HKD $20.00, SGD $4.00, THB ฿95, JPY ¥260
$0
$0
Hold up to 10 currencies and lock in your exchange rate. No load, reload or transaction fees on purchases and part of a worldwide ATM alliance.
AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, AED
AUD $1.95, CAD $2.00, EUR €1.50, GBP £1.25, HKD $15.00, JPY ¥160, NZD $2.50, SGD $2.50, USD $1.95, THB ฿70.00, AED 6.50
1%
$0
Earn up to 12,000 Qantas points when you sign up for a Qantas Travel Money card and preload funds by March 29. You must load at least $2,500 to qualify for the deal. T&C's apply.
AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB
AUD $3.50, USD $2.50, EUR €2.50, GBP £2.00, NZD $3.50, THB ฿80.00, CAD $3.50, HKD $18.00, JPY ¥260.00, SGD $3.50
1.1%
$0
Special offer: Save up to $40 when loading a new card or topping up an existing one (T&Cs apply).
Offers $0 reload options and locked in exchange rates. Use the Currency Pass to spend in up to 10 currencies everywhere Mastercard is accepted.

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How do credit cards with no foreign fees work?

When you travel or shop online with a retailer that's based overseas, many cards will charge a foreign transaction fee worth around 2–3% of your purchase. But credit cards with 0% foreign fees waive this cost, helping you save on charges when you make overseas purchases.

How much can I save with a 0% foreign fee card?

The potential savings you can get on a credit card with no foreign transaction fees depends on how much you spend overseas and the fees you'd pay on a different credit card. For example, if you spent $5,000 on a credit card with a foreign transaction fee of 3%, you would pay $150 more than you would if you use a card with a 0% foreign transaction fee.

How to compare 0% foreign fee credit cards

A bunch of credit cards offer 0% foreign transaction fees, so what else should you compare when considering a credit card to use overseas?

  • Annual fees. Weighing the cost of any annual fee against the potential savings you could get from paying 0% foreign transaction fees will help you find a card that's affordable for you.
  • Overseas ATM withdrawal fees. Getting cash out of an ATM overseas can also attract a fee worth at least $3 or between 2-4% of the total transaction. Choosing a card that offers $0 international ATM withdrawals can allow you to avoid this charge.
  • Cash advance fees. Even if you get a credit card that offers $0 ATM fees, using it to withdraw cash can attract a cash advance fee that's typically worth between 2-4% of the transaction. You'll also be charged interest at the cash advance interest rate, which is higher than the purchase rate on most credit cards. So if you need to get cash when you're overseas, you might want to consider using a debit card or prepaid travel card instead.
  • Purchase rate. Unless you pay your credit card balance off in full by the due date on each statement, your overseas spending will attract interest at the card's standard rate. In some cases, this could reduce the value you get from having no foreign transaction fees, so make sure you consider this when you're comparing different cards.
  • Other travel benefits. Some cards offer additional perks, such as complimentary travel insurance, airport lounge access or frequent flyer points for your spending. Make sure you check what requirements you need to meet to use these perks, otherwise they won't add to the value of the card.

travel essentials

What else do I need to think about?

When you're travelling or shopping online with an international retailer, keeping the following factors in mind can help you get the most out of your 0% foreign transaction fee credit card.

  • Currency conversion. When you use an Australian credit card to make a transaction in another currency, it will be converted back to Australian dollars based on the exchange rate that's applicable for your credit card. For example, if you spent US$100 and the applicable exchange rate was US$0.72 to AUD$1, this transaction would show up on your credit card account as AUD$138.80.
  • Local currency vs. Australian dollar payments. Sometimes when you're travelling, a business will give you the option of paying in the local currency or in Australian dollars. If you choose to pay in Australian dollars, the transaction will be processed using Dynamic Currency Conversion, which usually costs you a lot more than paying in the local currency.
  • Other travel money options. It's often useful to have a couple of different ways to spend money when you're travelling. As well as a credit card, you may want to buy foreign currency before you go or take a debit card in case you end up needing cash when you're away. Another option is to get a prepaid travel card that lets you spend money in different currencies, which would give you another way to avoid foreign transaction fees.

Compare more travel money options

If you're a frequent traveller or regularly shop online with international retailers, a credit card that has 0% foreign transaction fees could help you keep your costs to a minimum. Just remember to compare a range of options and look at the other features available so that you can find a credit card that really suits your needs.

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146 Responses

  1. Default Gravatar
    NicholasFebruary 25, 2019

    I withdrew money from an ATM in the Philippines and the machine said temporary closed, and no money came out. ii wrote the time down and the date. When I got back to Australia, 28 degrees said that I put my chip in and so the transaction was valid. I wrote back that no money came out of the machine, and all machines have cameras now, so they should be able to see I got no money. Can I take this to AFCA as I should not be to blame and it has to be on camera.

    • finder Customer Care
      NikkiFebruary 26, 2019Staff

      Hi Nicholas,

      Thanks for getting in touch and sorry to hear about what happened. You can check and inquire with AFCA how to handle the situation but make sure you have all supporting documents to validate your claim. Hope this helps!

      Best,
      Nikki

  2. Default Gravatar
    AndyDecember 19, 2018

    (Apologies for lengthy message) I love to travel and I hate paying ANY fee’s overseas. About 10 years ago I was away for 4 months and with the total fee’s I paid along the way I could have stayed away much longer, so since then I’ve searched high and low for credit/debit cards to use.
    I found 28 degrees first and that was fantastic until they changed the fee structure for having a positive amount on the card itself and using ATM’s, so I stopped using that one. Plus they introduced some fee’s for paying the card off if it went into debt.
    The past few years I’ve used Citibank debit card and that has been fantastic. I’ve paid no fee’s at all and its very simple to get hold of with no extra banking requirements to keep it – like put X amount per month in the account. I use it overseas and that’s pretty much it. Plus if you do use it in Australia at some restaurants you get a free bottle of wine!!
    Recently I changed banks and joined ING. I heard they had a similar card (Orange everyday Visa) and I managed to get hold of that as well. I’m not 100% sure if you have to deposit at least $1000 per month to get the benefit of no fee’s but as I’ve joined that bank that part is done anyway. Certainly worth a look but double check those rules.
    I would strongly suggest having a look at both the cards above as they are excellent for travel and not paying fees. I wouldn’t travel without them!
    Also, I tried an NAB travel card before and that was a total waste of time due to the poor conversion rates the banks charge, and checking other banks “Travel Cards” I found the same thing. They sound good but you are not getting the best rates on conversion and to add to a bad conversion in Thailand a few years ago I was slugged $8 a time at the ATM.
    Hope that helps someone! Happy travels.

    • finder Customer Care
      NikkiDecember 20, 2018Staff

      Hi Andy,

      Thanks for reaching out for sharing your experience on credit cards. Feel free to get in touch with us again should you need any assistance.

      Best,
      Nikki

  3. Default Gravatar
    DaveJuly 1, 2018

    If 28 degrees card is in credit (nothing owing) and use it to withdraw cash at overseas ATM, then surely there will be no ‘cash advance fee’ or interest charged? Is that right? Thanks.

    • finder Customer Care
      NikkiJuly 2, 2018Staff

      Hi Dave!

      Thanks for your message.

      You can withdraw or do a CASH ADVANCE from your 28 Degrees credit card at no cash advance interest rate charged. However, you will still be charged a cash advance fee and an ATM withdrawal fee (operator fee)

      Hope this clarifies.

      Regards,
      Nikki

    • Default Gravatar
      TravellerJuly 7, 2018

      Perhaps Nikki misunderstood Dave’s excellent question. Or perhaps I have!!! If your 28 degrees card has a positive balance of say $3k and you withdraw 500€ then surely there’s no cash advanced fee nor interest charged???

    • finder Customer Care
      NikkiJuly 11, 2018Staff

      Hi Traveller,

      Thanks for getting in touch!

      Sorry for the confusion. If you have a positive credit card balance and you intend to use your money put into it, there will be no cash advanced interest rate charged. However, there will still be a charge on cash advance fees and ATM withdrawal fee (ATM operator fee).

      Hope this clarifies!

      Regards,
      Nikki

  4. Default Gravatar
    BrianApril 22, 2018

    If I had say a Bankwest or 28 Deg card and wanted say to purchase, whist in Australia, a cruise costing several thousand $US dollars with an overseas company using that card would I be charged a conversion and/ or an overseas transaction fee?

    • finder Customer Care
      JeniApril 22, 2018Staff

      Hi Brian,

      Thank you for getting in touch with finder.

      For the Latitude 28 Degrees Platinum Mastercard, there’s 0% of transaction value under the foreign currency conversion fee.

      If you have a Bankwest Zero Mastercard, then you will be charged 2.95% of transaction value as the foreign currency conversion fee. However if you have a Bankwest Zero Platinum Mastercard then NO foreign transaction fee.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      I suggest that you also verify this info with your bank/credit card issuer before you make your dollar transaction.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  5. Default Gravatar
    JohnnyAugust 4, 2017

    I want a credit card for an overseas trip. Points on velocity would be great, as would no international currency transfer fees.
    Any suggestions, please? I’ve never had a credit card, just debit cards.

    • finder Customer Care
      RenchAugust 4, 2017Staff

      Hi Johnny,

      Thanks for your inquiry.

      You can also have a look on this page for more options that you can compare. These are for Frequent Flyer Credit Cards with No Foreign Transaction Fees.

      Cheers,
      Rench

  6. Default Gravatar
    redMay 12, 2017

    Hi there,

    Im travelling to Ireland and the UK for three weeks and would like a small amount credit card just in case i need more funds.

    • finder Customer Care
      HaroldMay 12, 2017Staff

      Hi Ladasedlar,

      Thank you for your inquiry.

      If you are abut to travel overseas you may want to consider the following options.
      1. Travel Money Guide: Ireland
      2. Travel Money Guide: UK

      I hope this information has helped.

      Cheers,
      Harold

  7. Default Gravatar
    AlleyApril 28, 2017

    I have a NZ kiwibank visa debit card, and I’ve been using it to withdraw money from da Commonwealth ATM in Australia where I am now residing. The fees are extremely high. Can u please which ATM in Australia day either hve a free foreign ATM fee or lesser fees?

    • finder Customer Care
      HaroldApril 28, 2017Staff

      Hi Alley,

      Thank you for your inquiry.

      While ATMs are convenient, they can also be an expensive way to access cash. With your current circumstance you may find this option helpful.

      I hope this information has helped.

      Cheers,
      Harold

  8. Default Gravatar
    YongJanuary 13, 2017

    Is there a ATM withdrawal fee for 28 Degrees MasterCard from an ATM in the US? Can I withdraw from any ATMs in US? Thanks.

    • finder Customer Care
      JasonJanuary 13, 2017Staff

      Hi Yong,

      Thank you for your enquiry.

      There’s no ATM withdrawal fee with 28 Degrees MasterCard when used with ATMs with the MasterCard logo anywhere in the world. Please note though that there would be a cash advance fee of $4 or 3% of the cash advance (whichever is greater) when you withdraw cash from an ATM with this card. Please click this link for more information about 28 Degrees MasterCard.

      Kind regards,
      Jason

  9. Default Gravatar
    narelleJanuary 12, 2017

    I am tossing up between Bankwest and 28 degrees both have some good and bad reviews. Does the Bankwest charge the payment fee that everyone seems to be complaining about 95c to make a payment?

    • finder Customer Care
      MayJanuary 12, 2017Staff

      Hi Narelle,

      Thanks for your question.

      No, Bankwest does not charge you a fee when making payments for your credit cards bills.

      Cheers,
      May

  10. Default Gravatar
    BrendaNovember 4, 2016

    We are Canadians travelling to Australia & New Zealand. I am confused about wether it is more advantageous to use a Canadian credit card or a U.S. dollar credit card in these countries. Both cards have no currency surcharge transaction fee. They are both Mastercards. I believe the exchange rate is more favourable for the Candian dollar.

    • finder Customer Care
      MayNovember 4, 2016Staff

      Hi Brenda,

      Thank you for your comment.

      Just to confirm that the credit cards we feature on our site are available to people in Australia only.

      As for your cards issued in Canada and in the US, since those cards have a MasterCard logo, most likely, those can be used in any ATM in Australia and New Zealand that accepts MasterCard. Though please note that you have to contact your issuing banks to verify the other possible fees they charge when you use them overseas.

      Cheers,
      May

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