Travel Credit Cards - 0% Fees, Bonus Points and more | Finder

Travel Credit Cards

Travel credit cards let you make transactions overseas and perks like 0% currency conversion fees and complimentary travel insurance.

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Choosing the right way to take money abroad is essential whether you're a regular jet-setter or planning a rare getaway. Travel credit cards allow you to access the daily exchange rate, which may be more competitive than loading currency onto a prepaid travel card, giving you better value for your money.

This guide compares travel credit cards and explains the potential benefits of using one overseas on your next holiday.

Bankwest Credit Card Offer

Bankwest Zero Platinum Mastercard

$0 annual fee
0% foreign transaction fees

Eligibility criteria, terms and conditions, fees and charges apply

Bankwest Credit Card Offer

Save with a $0 annual fee, 0% foreign transaction fees and a balance transfer offer. Plus, complimentary overseas travel insurance.

  • Ongoing $0 annual fee
  • 17.99% p.a. purchase rate | 21.99% p.a. cash advance rate
  • 0% foreign transaction fees online and overseas
  • 2.99% on balance transfers for 9 months, reverts to 17.99% p.a.
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Compare Travel Credit Cards with 0% Foreign Fees

Data updated regularly
Name Product Foreign currency conversion fee Interest-free period Purchase rate Annual fee
Coles Rewards Mastercard
0%
Up to 55 days on purchases
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Enjoy 20,000 bonus Flybuys points, a $0 first-year annual fee and 0% p.a. on balance transfers for 18 months (1.5% fee applies).
Bankwest Zero Platinum Mastercard
0%
Up to 55 days on purchases
17.99% p.a.
$0
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Bankwest Breeze Platinum Mastercard
0%
Up to 55 days on purchases
10.99% p.a.
$0 annual fee for the first year ($69 p.a. thereafter)
Get 0% interest on balance transfers for 26 months, a $0 first-year annual fee, complimentary travel insurance and no foreign transaction fees.
humm90 Mastercard
0%
Up to 110 days on purchases
23.99% p.a.
$99
Enjoy up to 110 days interest-free on purchases, 0% foreign transaction fees and flexible instalment plan options.
NAB StraightUp Card
0%
N/A
$0
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
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Credit cards for travel

How it works: Credit cards provide more liquidity and access to cash overseas for peace of mind. Credit cards also allow you to access the exchange rate of the day, which may be higher than the rate you could have secured beforehand with prepaid travel cards.

How a credit card can suit your travel money needs.

  • Receive the exchange rate on the day. Not being able to lock in the exchange rate can work to your advantage. If your domestic currency appreciates against the destination's currency when you are travelling, you can exchange your money for a better rate.
  • Travel now, pay later. Credit cards can provide up to 55 days interest-free on purchases and 0% purchase offers. These features provide extra funds and flexibility for your travel money needs.
  • Rewards and frequent flyer points. Earn points with rewards programs and frequent flyer programs while you travel.

Things to note when using credit cards for travel.

  • No backup cards. Credit cards only provide additional cards instead of backup cards. As a result if your credit card is lost overseas it may take 1-2 weeks for a new card to be sent to your whereabouts.

Frequent Flyer and Rewards Credit Cards

Frequent flyer and rewards credit cards are designed with the traveller in mind and can enhance your next travel experience. This type of card lets you look forward to frequent flyer program benefits, airport lounge passes, complimentary travel insurance and bonus points offers so you can upgrade your flights and redeem for rewards.

Data updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Citi Rewards Card - Bonus Points Offer
100,000
Citi Rewards Program
1
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Get 100,000 bonus Citi reward Points (worth $460 in gift cards) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee.
HSBC Platinum Credit Card
N/A
HSBC Rewards Plus
1
19.99% p.a.
$29 annual fee for the first year ($129 p.a. thereafter)
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
Qantas American Express Ultimate Card
55,000
Qantas Frequent Flyer
1.25
20.74% p.a.
$450
Receive 55,000 bonus Qantas Points when you spend $3,000 within the first 3 months. Plus, a $450 Qantas Travel Credit each year.
St.George Amplify Platinum - Qantas
60,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months with a 1% BT fee.
Qantas Premier Platinum
100,000
Qantas Frequent Flyer
1
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points when you spend at least $4,000 within the first 3 months. Plus a discounted $199 first-year annual fee.
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Purchase Credit Cards

Interest free purchase credit cards provide you with an interest-free period upon account activation, allowing you to make purchases now and repay later. This type of credit card can provide you with extra spending power for your holiday. After the purchase promotion has ended the revert purchase interest rate will take effect.

Data updated regularly
$
Name Product Purchase rate Balance transfer rate Annual fee Interest-free period Amount saved
Virgin Money No Annual Fee Credit Card
0% p.a. for 12 months, reverts to 18.99% p.a.
0% p.a. for 12 months
$0
Up to 55 days on purchases
Save with an ongoing $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.
Citi Simplicity Card
0% p.a. for 6 months, reverts to 21.49% p.a.
0% p.a. for 6 months
$0
Up to 55 days on purchases
Get 0% p.a. interest for up to 6 months on purchases and balance transfers. Plus, a $0 annual fee for life.
St.George No Annual Fee
0% p.a. for 12 months, reverts to 20.74% p.a.
$0
Up to 55 days on purchases
Save with a 0% p.a. interest rate offer and a $0 annual fee. Plus, a minimum credit limit of $500.
NAB StraightUp Card
N/A
$0
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
BankSA Amplify Platinum
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$99
Up to 55 days on purchases
Earn 80,000 bonus Amplify Points (worth $350 in eGift cards) when you spend $3,000 in the first 90 days.
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Gold, Platinum and Black credit cards

Gold, platinum and black credit cards cards offer the holder a range of premium benefits including large bonus points offers, higher rewards points earnings per $1 spent, free flights and complimentary travel insurance.

Data updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 36 months
$29 annual fee for the first year ($129 p.a. thereafter)
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
American Express Platinum Card
N/A
$1,450
Offer Extended: 150,000 bonus points when you spend $3,000 in the first 3 months. Additional 50,000 points in the 2nd year.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points when you spend at least $4,000 within the first 3 months. Plus a discounted $199 first-year annual fee.
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
American Express Explorer Credit Card
20.74% p.a.
$395
Get 90,000 bonus Membership Rewards Points and $300 back when you spend $3,000 on your new card in the first 3 months.
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Ultimately, choosing the right credit card for travel means understanding your money personality and choosing a card that suits your budget, your lifestyle, your travel plans, and your spending style. Compare the features available and ask yourself how the card you are looking at would benefit you.


Frequently asked questions about travel credit cards

  • What is a currency conversion fee?

A currency conversion fee (sometimes called a foreign or international transaction fee) is a fee that is normally charged by your bank when you spend money in a foreign currency. Every time you make a transaction in a foreign country with your Australian-issued credit card, the amount you spend needs to be converted to the local currency in order for the payment to be processed. Banks charge a fee for this, usually 2 or 3 percent, every single time you transact.

Over time, this charge can add up, especially if you are using your credit card as your main source of spending money and make frequent payments for things like hotels, restaurants and buying train tickets.

Credit cards that do not charge a fee for currency conversion are very popular with travellers. Bear in mind that while some cards will advertise ‘no currency conversion fee’ as their main selling-point, this feature may also be available on other cards.

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4 Responses

    Default Gravatar
    JenMay 15, 2017

    What does your article mean by “travel credit card”? Is this different from my normal Australian Visa credit card? Can I use my normal credit overseas or do I have to get a “travel” credit card?

      Avatarfinder Customer Care
      DeeMay 16, 2017Staff

      Hi Jen,

      Thanks for your question.

      Yes, generally, you may use your normal or regular credit card overseas. However, most credit cards attract high currency conversion and other international transaction fees. Travel credit cards on the other hand may have features that are ideal for overseas travel such as low or zero foreign transaction fees.

      Cheers,
      Anndy

    Default Gravatar
    AbelMay 4, 2015

    Hi,

    What’s the best 0% credit card for travelling overseas with? I missed out on the BankWest offer which was 12 month 0% interest free and no foreign transaction fees. Is there anyway I can apply for this card with these perks?

      Avatarfinder Customer Care
      ElizabethMay 5, 2015Staff

      Hi Abel,

      Thanks for your question.

      There really is no one ‘best’ credit card, as it depends what features you’re looking for in a travel card, where you’re going, how much you’re going to spend, the financial situation you’re in, etc. As you can see from this page there are a few cards available, some with other features such as complimentary insurances, frequent flyer points and more. It can help tp decode wjay features are important to you and then look at what rates and fees are competitive.

      I hope this has helped.

      Thanks,

      Elizabeth

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