The best travel money cards for Australian travellers

Which travel money card should you use for your next overseas holiday?

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Whether you're chasing summer in a warmer climate or you're planning your next winter ski trip, you might find that you're in the market for a new travel money card or debit card suitable for travel. Both debit cards and travel money cards have great features that make them ideal for overseas spending, and which option you choose will depend on your spending style.

Looking for a debit card that's suited to overseas travel?

Debit cards allow you to spend using your own money, instead of having to pre-load it like a prepaid travel card. While you can't load foreign currency onto the card, there are some debit cards that don't charge any international transaction fees when you pay using your AUD in another currency overseas.

Find a debit card with no international transaction fees

Name Product Card access ATM Withdrawal Fee Fee Free Transactions p.m. Monthly account fee
HSBC Everyday Global Account
Visa
$0
$0
Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.

Suncorp Everyday Options Account
Visa
$0
$0
There's no international transaction fee when using your Suncorp Visa Debit card overseas, and no overseas ATM withdrawal fee charged by Suncorp (the ATM operator may charge its own fee though).
Citi Global Currency Account
Mastercard
$0
$0
Earn up to 0.6% p.a. interest on your AUD balance. You can hold up to 10 different currencies in the account, and withdraw the correct local currency from international ATMs with no withdrawal fee and foreign currencies fee.
Citibank Plus Everyday Account
Mastercard
$0
$0
Free international money transfers and free overseas Citibank ATM withdrawals.
Macquarie Transaction Account
Mastercard
$0
$0
Everyday banking with a linked Mastercard and protection against unauthorised transactions.
Suncorp Everyday Essentials Account
Visa
$0
$0
Affordable banking for low income customers and holders of concession and health care cards.
Suncorp Everyday Options Sub Account
Visa
$0
$0
Ongoing, variable 0.05% p.a. when you maintain a minimum balance of $0.01 and over. Available on the entire balance.
UBank USpend
Visa
$0
$0
Earn up to 1.1% p.a. interest on your linked savings account. No foreign ATM or transaction fees.
$0 monthly account fee.
You must open the UBank USave with USpend Bonus savings account in order to get this account. Enjoy access to ATMs in Australia and overseas for free and a 0% foreign transaction fee for online purchases. Manage your spending with a built-in sweep facility that automatically moves money between your linked accounts based on the limits you set. Make contactless payments with Apple Pay and Google Pay.
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Looking for the best prepaid travel card to load foreign currency?

Instead of a debit card, do you like the idea of a prepaid card that lets you load up on the currency you need before you get there? There are several options for this, but the right one for you will largely depend on the currency you're going to be using.

We've looked at the top 10 most popular travel destinations for Aussies based on the Australian Bureau of Statistics overseas departure and arrivals data and rounded up the most relevant travel cards you could use in each location. From the rolling hills of New Zealand to the bustling streets of China, read on for the travel card tips you'll need for your next holiday.

Find a better travel money card

Name Product Available Currencies ATM Withdrawal Fee Initial Load Fee Reload fee
7-Eleven Just Go Pre-Paid Travel Card
AUD,USD,EUR,GBP,NZD
EUR €0, GBP £0, AUD $0, USD $0, NZD $0
$0
$0
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1. New Zealand

The land of towering snow-capped mountains, crystal blue lakes and hobbits and elves often tops Australia's list of favourite travel destinations. Conveniently, most Australian prepaid travel cards support New Zealand dollars. You can take your pick of the crop below:

CardSupported currency and features
NAB Traveller Card (Discontinued)New Zealand dollars is just 1 of 10 currencies supported by the NAB Traveller Card (Discontinued). There is no fee for international ATM withdrawals and it costs $0 to load your card with funds.
Qantas Cash cardYou can use the Qantas Cash card to spend in New Zealand with a $0 load fee. If you're a Qantas Frequent Flyer, you'll also collect 1 Qantas Point per $1 spent overseas. If you use the card for ATM withdrawals, you'll be charged NZD$2.50.
Velocity Global Wallet CardIf you're a Velocity frequent flyer, you'll earn 1 Velocity Point per $1 spent in New Zealand dollars. The card saves you money with a $0 issue fee and $0 reload fees, but you will pay NZD$2.50 if you use the card to make ATM withdrawals.
Cash PassportYou can pick up a Cash Passport Platinum Mastercard online or in-store at Australia Post, Suncorp and IMB. When you collect the card and load your funds, you won't be charged as this card features a $0 initial load fee. ATM withdrawals collect a fee of NZD$3.50.
Commonwealth Bank Travel Money CardThis card supports New Zealand dollars, but you'll be charged NZD$3.50 if you make any ATM withdrawals with it. You can cut costs knowing that this card features a initial load fee and $0 reload fees to put funds into your account.
Westpac Global Currency Card - DiscontinuedYou can also use the Westpac Global Currency Card - Discontinued to spend in New Zealand dollars. You'll be charged NZD$2.00 when you use your card for ATM withdrawals, but you can avoid ATM fees altogether if you take advantage of the Global ATM alliance.

See our New Zealand travel money guide for more tips to help you prep for your trip over the Tasman.

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2. Indonesia

Aussies love the tropical climate, beaches and poolsides of Indonesia. Despite our close proximity to Indonesia and Australia's reputation for frequenting tourist destinations such as Bali, no Australian travel cards currently support Indonesian rupiah.

However, as Visa and Mastercard are accepted in Indonesia, you can still use an Australian travel card when you're there. You can find travel cards that don't charge a currency conversion fee when you spend in an unsupported currency below.

CardSupported currency and features
Qantas Cash cardYou'll earn 1 Qantas Point per $1 spent wherever Visa is accepted in Indonesia. You can also save with $0 currency conversion fees when spending Indonesian rupiah with this card.
Cash PassportThe Cash Passport travel card offers $0 currency conversion fees, but you'll be charged $3.50 when you get cash out in Indonesia.
STA Travel CashFLEX Visa CardThis card can be used wherever Visa is accepted in Indonesia and charges $0 currency conversion fees. You will be charged an ATM withdrawal fee of $1.50 if you withdraw less than $250.

Browse our Indonesia travel money guide for more travel money options.

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3. The US

The land of stars and stripes also has a soft spot in the heart of Australian travellers. So, it's probably no surprise that most Australian prepaid cards support US dollars. You can research your many options below:

CardSupported currency and features
NAB Traveller Card (Discontinued)The NAB Traveller Card (Discontinued) supports US dollars and you won't be charged for ATM withdrawals and there is a $0 reload fee.
Qantas Cash cardWhen you spend in US dollars using the Qantas Cash card, you'll collect 1 Qantas Point per $1 spent overseas. If you use the card for ATM withdrawals, you'll be charged USD$1.95.
Velocity Global Wallet CardVelocity frequent flyers can collect 1 Velocity Point per $1 spent in US dollars. The card charges a $0 reload fee, but you'll be charged USD$1.95 each time you use the card for ATM withdrawals.
Cash PassportThe Cash Passport supports US dollars, but you'll be charged USD$2.50 when you use the card for ATM withdrawals. The card also comes with $5 reload fees.
Commonwealth Bank Travel Money CardThis card supports US dollars, but you'll have to pay USD$2.50 each time you use the card for ATM withdrawals. The card has an issue fee of $15.
Westpac Global Currency Card - DiscontinuedThe Westpac Global Currency Card - Discontinued supports US dollars, but you'll be charged USD$2 for ATM withdrawals.

See our US guide for the best travel money options for your next trip to the states.

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4. The UK

If you're making a Eurotrip to the UK, you'll be glad to know that most Australian prepaid travel cards support the pound sterling.

CardSupported currency and features
NAB Traveller Card (Discontinued)The NAB Traveller Card (Discontinued) also supports GBP and you won't be charged a fee for using the card to make ATM withdrawals in the UK.
Qantas Cash cardThis card supports GBP but you'll be charged £1.25 when you use the card for ATM withdrawals. Qantas Frequent Flyers can look forward to earning 1 Qantas Point per $1 spent in the UK.
Velocity Global Wallet CardVelocity frequent flyers can collect 1 Velocity Point per $1 spent in the UK. The card charges a $0 initial load fee, but you'll be charged £1.25 each time you use the card for ATM withdrawals.
Cash PassportThe Cash Passport supports GBP and you'll be charged an ATM withdrawal fee of £1.50.
Commonwealth Bank Travel Money CardYou can use the Travel Money Card to spend in the UK, but you'll have to pay £2.00 each time you use the card for ATM withdrawals. The card has an issue fee of $15, but you can save with $0 reloading costs.
Westpac Global Currency Card - DiscontinuedThe Westpac Global Currency Card - Discontinued supports GBP, but you'll be charged £1.50 for ATM withdrawals.

Use our UK travel guide for everything you need to plan your next trip to the UK.

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5. Thailand

Thailand is a popular holiday destination for many Aussies seeking sunshine and rich culture, so it's lucky that quite a few Australian travel cards support the Thai baht.

CardSupported currency and features
NAB Traveller Card (Discontinued)The NAB Traveller Card (Discontinued) also supports the Thai baht and you won't be charged a fee for using the card to make withdrawals anywhere where Mastercard is accepted.
Qantas Cash cardYou'll collect 1 Qantas Point per $1 you spend in Thai baht while overseas. If you use the card for ATM withdrawals, you'll be charged ฿70.00 per withdrawal.
Velocity Global Wallet CardVelocity frequent flyers can collect 1 Velocity Point per $1 spent in Thai baht. The card saves you money with a $0 initial load fee, but you'll be charged ฿60.00 each time you use the card for ATM withdrawals.
Cash PassportThe Cash Passport supports Thai baht and you'll usually be charged ฿80.00 when you use to card to withdraw from an ATM.
Commonwealth Bank Travel Money CardYou can use the Travel Money Card to spend Thai baht, but you'll have to pay ฿80.00 each time you use the card for ATM withdrawals.
Westpac Global Currency Card - DiscontinuedThe Global Currency Card supports Thai baht, but you will be charged ฿75.00 when you use the card for ATM withdrawals.

Use our Thailand travel money guide to research more travel money options for your trip.

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6. China

While there are a handful of travel cards that support Hong Kong dollars, your options are little more limited if you want to spend in Chinese yuan. You can weigh up some of your options below.

CardSupported currency and features
NAB Traveller Card (Discontinued)You can spend in Hong Kong dollars with the NAB Traveller Card (Discontinued), but you'll be charged a currency conversion fee of 4% of the total transaction value if you spend in Chinese yuan as it's an unsupported currency.
Qantas Cash cardWhile the Qantas Cash card supports Hong Kong dollars, you can also use it to spend in Chinese yuan and save with $0 currency conversion fees. Keep in mind that ATM withdrawals collect a fee of HKD$15. You'll also earn 1 Qantas Point per $1 spent overseas.
Velocity Global Wallet CardVelocity frequent flyers can collect 1 Velocity Point per $1 spent in China and Hong Kong. The card supports Hong Kong dollars, but you'll be charged a currency conversion fee of 2.25% if you spend in Chinese yuan.
Cash PassportThe Cash Passport supports Hong Kong dollars, but doesn't support Chinese yuan. This card charges $0 currency conversion fees, so you can still use it wherever Mastercard is accepted in China without any extra costs.
Commonwealth Bank Travel Money CardThe Commonwealth Bank Travel Money Card is one of few cards that supports both Chinese yuan and Hong Kong dollars. You'll be charged CNY¥$15 and HKD$17 respectively when you use the card for ATM withdrawals.

You can use our China and Hong Kong travel money guide for more tips for spending on your next trip.

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7. Singapore

If you're taking a trip to the Garden City, there are a few travel card options to choose from.

CardSupported currency and features
NAB Traveller Card (Discontinued)You can use the NAB Traveller Card (Discontinued) to spend in Singapore dollars and you won't be charged any ATM withdrawal fees when in Singapore.
Qantas Cash cardThe Qantas Cash card supports Singapore dollars and rewards cardholders with 1 Qantas Point per $1 spent. You will be charged SGD$2.50 when you use the card for ATM withdrawals.
Velocity Global Wallet CardVelocity frequent flyers can collect 1 Velocity Point per $1 spent in Singapore. The card supports Singapore dollars, but charges SGD$2.50 when you withdraw from an ATM.
Cash PassportYou can spend in Singapore dollars using the Cash Passport but you will be charged SGD$3.50 per ATM withdrawal.
Commonwealth Bank Travel Money CardThe Commonwealth Bank Travel Money Card allows you to spend in Singapore dollars, but it charges a fee of SGD$3.50 for ATM withdrawals.
Westpac Global Currency Card - DiscontinuedYou can use the Westpac Global Currency Card - Discontinued to spend in Singapore dollars, but you'll also be charged SGD$3 when you use the card for ATM withdrawals. This card can save you money with a $0 initial load fee.

You can find more travel money options for your trip to Singapore with this guide.

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8. Japan

Whether you want to bask in the beauty of cherry blossom season or tear up the snowy slopes, there are plenty of travel card options if you're planning a trip to Japan.

CardSupported currency and features
NAB Traveller Card (Discontinued)You can use the NAB Traveller Card (Discontinued) to spend in Japanese yen on your Japan trip and you won't have to shell out for any ATM withdrawal fees.
Qantas Cash cardYou'll earn 1 Qantas Point per $1 spent in Japan. However, an ATM withdrawal fee of ¥160.00 applies when you withdraw cash.
Velocity Global Wallet CardCollect 1 Velocity Point per $1 spent in Japan, but you will be charged ¥160.00 for ATM withdrawals.
Cash PassportThis card supports Japanese yen but will charge a standard ATM withdrawal fee of ¥260.00 when you withdraw cash.
Commonwealth Bank Travel Money CardThe Commonwealth Bank Travel Money Card also lets you spend in Japanese yen, but a ¥220.00 fee applies to ATM withdrawals.
Westpac Global Currency Card - DiscontinuedThe Westpac Global Currency Card - Discontinued supports Japanese yen, but you'll also be charged ¥200.00 when you use the card for ATM withdrawals.

See our Japan guide for more travel money tips for your next holiday.

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9. Fiji

While the white sands and crystal blue waters of Fiji are a favourite for Aussie travellers, no prepaid travel cards currently support the Fijian dollar. However, as Mastercard and Visa are widely accepted in Fiji, there are still a few options available for holidaymakers drawn to this island oasis.

CardSupported currency and features
Commonwealth Bank Travel Money CardThe Fijian dollar isn't one of the 13 currencies supported by the Commonwealth Bank Travel Money Card. While you can technically use it in Fiji, you'll be charged a currency conversion fee of 4%.
Qantas Cash cardThe Qantas Cash card is another card that doesn't offer Fijian dollars but also charges a $0 currency conversion fee. This means you can use it wherever Mastercard is accepted to avoid currency conversion fees and earn 1 Qantas Point per dollar spent in Fiji.
Cash PassportThe Cash Passport travel card also charges $0 currency conversion fees, but you will have to pay $3.50 every time you use the card to withdraw funds from an ATM.
STA Travel CashFLEX Visa CardThis card can be used wherever Visa is accepted and you will save with $0 currency conversion fees. ATM withdrawals will attract a fee of $1.50 unless you withdraw more than $250.

See our Fiji guide for more travel money tips and tricks.

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10. India

Similar to the Fijian dollar, the Indian rupee isn't supported by any Australian travel cards. So, if you're travelling to the hustle and bustle of India, you might want to look for travel cards that don't charge any currency conversion fees when spending in an unsupported currency.

CardSupported currency and features
Commonwealth Bank Travel Money CardYou can use the Commonwealth Bank Travel Money Card wherever Visa is accepted in India but will be charged a currency conversion fee of 4%.
Qantas Cash cardYou'll collect 1 Qantas Point per $1 spent wherever Visa is accepted in India. While you won't enjoy the convenience of locked-in exchange rates, you can save with $0 currency conversion fees when spending in Indian rupee with this card.
Cash PassportThe Cash Passport travel card charges $0 currency conversion fees, but you will be charged $3.50 when you use the card to withdraw funds from an ATM in India.
STA Travel CashFLEX Visa CardThis card can be used wherever Visa is accepted in India and you won't be charged any currency conversion fees. ATM withdrawals will attract a fee of $1.50 unless you withdraw more than $250.

Check out our India travel money guide for more tips.

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While there's no single best travel money card out there, it's easier to narrow down your search when you know which cards support the local currency you'll be spending in on your trip. Once you've done this, look for any issue fees, ATM withdrawal fees and loading costs to help compare your travel money options and pick the right travel card companion for you.

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11 Responses

    Default Gravatar
    IanNovember 29, 2017

    I am going on a cruise with stops in India, Singapore, Dubai and Sri Lanka. Apart from getting cash what is the best way to take money there? I will only be in Sri Lanka for one day.

      Default Gravatar
      AsiaDecember 1, 2017

      Hello there Ian,

      Thank you for your inquiry.

      Like the page you’re on, you have travel card alternatives for Singapore and India. However, India does not support Australian travel cards, but rather you can look at your travel card choices that don’t charge currency conversion fees.

      In Dubai, you may begin looking at your travel card.

      In Sri Lanka, Their Government has tight control over the national money and there are strict points of confinement on the measure of rupees you can get in and out of the nation. Aside from cash, you may look at your prepaid travel cards, debit or credit card choices on our page for Travel guide in Sri Lanka.

      You may likewise jump at the chance to consider a Debit Card or Credit Card with low or no currency conversion fees.

      I hope this information helped.

      Cheers,
      Asia

    Default Gravatar
    louisOctober 22, 2017

    Travelling to Mexico and Cuba and don’t know whether there is any card better than a Westpac Global Currency Card all things considered.

      Avatarfinder Customer Care
      JoanneOctober 23, 2017Staff

      Hi Louis,

      Thank you for visiting Finder.

      For options in getting the most suitable travel money card for you, you may want to visit our travel money option for Mexico as well as our travel money guide for Cuba. From there you may compare cards and select which one would suit your needs. Once you have chosen a particular card, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with your application or get in touch with their representatives for further assistance.

      Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before applying.

      Cheers,
      Joanne

    Default Gravatar
    NancyOctober 2, 2017

    What about Peruvian Soles? Or Chilean Pesos? Do I have to put in USD first?

      Default Gravatar
      LiezlOctober 2, 2017

      Hi Nancy,

      Thanks for your question.

      Currently, prepaid travel money cards do not support the currencies of South American countries. You would have to load them with Australian dollars and withdraw the local currencies such as nuevo sol and peso. However, this will attract overseas ATM fees and currency conversion fees.

      If you wish to avoid these fees you can use debit or credit cards. Moreover, you can consider a travel card with no currency conversion fees. Check out our Travel Money Guide to Peru to compare your options. You may also check your travel money options for South America.

      Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Cheers,
      Liezl

    Default Gravatar
    JacquiAugust 10, 2017

    Travelling to Bali with a Qantas Cash card. I understand I can’t load it with rupiah, however can use it where Mastercard accepted. I’m not clear though on what the currency conversion fee is. Above it says that you can “avoid currency conversion fees when spending Indonesian rupiah with this card.” However you can’t load Rupiah in the card. Can you explain further please?

      Default Gravatar
      JonathanAugust 10, 2017

      Hello Jacqui,

      Thank you for your inquiry.

      The currency conversion fee is when you load Australian dollars on your card and then convert them to Rupiah while you’re traveling in Indonesia. In this case, you are simply converting the currency on a “as per needed basis”, Qantas daily rate for the currency you’re spending in will apply. You can use their currency conversion tool on the website to check the exchange rate daily.

      If in case you are interested, please explore different travel money options in Indonesia.

      Please take time to download the Product Disclosure Statement of this product to know more about the terminologies and fees associated with use.

      Hope this clarifies.

      Cheers,
      Jonathan

    Default Gravatar
    SuzannaMay 25, 2017

    What about. Europe comparison for travel cards?

      Avatarfinder Customer Care
      RenchMay 26, 2017Staff

      Hi Suzanna,

      Thanks for your inquiry.

      Here is the page where you can compare Travel Cards for Europe – https://www.finder.com.au/travel-money/europe. It also has a comparison for Travel Credit Cards and Travel Debit Cards.

      Hope this information helped.

      Cheers,
      Rench

      Avatarfinder Customer Care
      HaroldMay 26, 2017Staff

      Hi Suzanne,

      Thank you for your inquiry.

      You may be interested to check the available option/s for travel cards in Europe on our website. Check that page and you will also find more details about how you use travel money cards in Europe.

      I hope this information has helped.

      cheers,
      Harold

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