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Compare Travel Credit Cards
Ready to travel again? See below for some of the best credit cards for overseas travel.
Rates updated an hour ago
Credit card | |||||||||||||
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[Qantas Frequent Flyer] | 0 | [Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent. Pay no annual Card fee for up to 4 Supplementary Cards so you can earn more Qantas Points. Eligible for use with Google Pay, Apple Pay and Samsung Pay Apple Pay, Android Pay, Google Pay, Samsung Pay, ] | 0 | 0 | 30 | $product[$field["value"]] | -1 | AMEX | More details | ||||
American Express Qantas Discovery Card | |||||||||||||
[Qantas Frequent Flyer] | 0 | [Complimentary overseas travel insurance. (Terms, conditions, limits and exclusions apply. See the Travel Insurance Information Booklet for details.) Earn 0.75 Qantas Points for every $1 spent Earn one additional Qantas Point for every $1 spent on selected Qantas products and services in Australia Monthly Qantas Points will be capped at 20, 000 A low $189 annual fee ($59 for an additional card) Safe online purchasing with Visa Checkout Access to Visa Platinum entertainment offers Access to Apple Pay, Google Pay and Samsung Pay Manage the way you transact with card controls Place a temporary lock on your card the moment you think it might be lost or stolen Create custom notifications to monitor your card activity Pay for things using your card and enjoy up to 55 days to pay the amount back without interest. Minimum Credit Limit $1, 000 Apple Pay, Android Pay, Google Pay, ] | 0 | 59 | 0 | $product[$field["value"]] | 20.24 | Visa | More details | ||||
Bank Australia Platinum Rewards Visa Credit Card | |||||||||||||
[Qantas Frequent Flyer] | 0 | [Earn 2 Qantas Frequent Flyer points for every $1 spent on Qantas products and services. Earn 1 Qantas Frequent Flyer point for every $1 spent on eligible purchases.. Complimentary Qantas Frequent Flyer membership. Complimentary overseas travel insurance. Emergency Overseas Visa Cash Advance - US$175 4.99% p.a. on balance transfers and purchases for your first 5 months. Up to 46 days interest free on purchases. Free additional card holder. 24/7 worldwide Visa Platinum Concierge Service. Access to Visa Platinum entertainment offers. Minimum credit limit $1, 000.00, ] | 0 | 0 | 0 | $product[$field["value"]] | 19.49 | Visa | More details | ||||
Qudos Bank Visa Platinum Credit Card | |||||||||||||
[Qantas Frequent Flyer] | 0 | [Earn 75, 000 bonus Qantas Points on your new ANZ Rewards Platinum credit card. Bonus Qantas Points earned when you spend $2, 500 on eligible purchases in the first 3 months from approval.* Offer ongoing until further notice. Up to 55 days interest free credit on purchases. Interest rate of 20.49% p.a. on purchases and 21.99% p.a. on cash advances. View balances, transfer money and make payments simply and easily with the ANZ App. Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card. Apple Pay, Android Pay, Google Pay, Samsung Pay, ] | 0 | 65 | 20 | $product[$field["value"]] | 21.99 | Visa | More details | ||||
ANZ Frequent Flyer Platinum | |||||||||||||
[Qantas Rewards] | 0 | [Receive 20, 000 bonus Qantas Points when you spend $3, 000 or more on eligible purchases1 within 90 days from card approval. Earn 1 Qantas Point per $1 spent on eligible purchases, up to $1, 000 per statement period. After that, every $1 spent earns you 0.5 Qantas Points, up to a total of 7, 500 per statement period. (Qantas Bonus Points are not subject to capping) 0% p.a. Balance Transfer for 12 months from non-HSBC credit cards on application. Enjoy complimentary membership to the Qantas Frequent Flyer program (valued at $99.50) Complimentary Insurance package available including International Travel Insurance, Extended Warranty Insurance, Guaranteed Pricing Scheme, Transit Accident Insurance and Purchase Protection Insurance. Eligibility criteria and conditions apply. Up to 55 days interest free on purchases when you pay the full by the due date each month. Additional Cardholder at no extra cost. Visa Premium Benefits is your connection to money-can’t-buy experiences, from backstage passes to tickets to gallery openings. It’s a range of special privileges just for you. For more, visit visapremium.com.au Visa payWave7 for convenient contactless purchases under $100. Now available with Apple Pay®. Use your compatible Apple® device to tap and pay with an eligible HSBC credit card. Apple Pay, Android Pay, Google Pay, ] | 0 | 0 | 30 | $product[$field["value"]] | 21.99 | Visa | More details | ||||
HSBC Platinum Qantas Credit Card | |||||||||||||
[Qantas Frequent Flyer] | 0 | [Earn 70, 000 bonus Qantas Points on a new NAB Qantas Rewards Premium Card when you spend $2, 000 on everyday purchases within 60 days of account opening.* Enjoy a reduced annual card fee (from $295 to $150) for the first year. Standard Balance Transfer Rate: 0% p.a. for 12 months. 3% BT fee applies. BT reverts to Cash Advance Rate. Minimum monthly repayments required. NAB may vary or end this offer at any time. Access to six complimentary insurances when you make an eligible purchase. Platinum Concierge Service - your own 24 hour, 7 day personal assistant. Complimentary Qantas Frequent Flyer membership. Up to 44 days interest free on purchases. Minimum credit limit $6, 000 Apple Pay, Google Pay, Samsung Pay, ] | 0 | 0 | 15 | $product[$field["value"]] | 21.74 | Visa | More details | ||||
NAB Qantas Rewards Premium Card | |||||||||||||
[Qantas Frequent Flyer] | 0 | [Receive 20, 000 bonus Qantas Points when you apply online, are approved, and spend $3, 000 on your new Card within the first 3 months. Offer available to new Card Members only. Offer subject to change without notice. Earn 1 Qantas Points per $1 spent on eligible purchases. See Reward Yourself section for more details. Complimentary domestic and overseas travel insurance. Eligible for use with Google Pay, Apple Pay and Samsung Pay Apple Pay, Android Pay, Google Pay, Samsung Pay, ] | 0 | 0 | 30 | $product[$field["value"]] | -1 | AMEX | More details | ||||
American Express Qantas Premium Card | |||||||||||||
[Qantas Frequent Flyer] | 0 | [Earn up to 120, 000 bonus Qantas Points (90, 000 when $3k spend met within 60 days, 30, 000 in the 13th month) From 13 September 2024, the annual card fee for the NAB Qantas Rewards Signature Card will be increasing to $420 p.a. Standard Balance Transfer Rate: 0% p.a. for 12 months. 3% BT Fee applies. BT reverts to Cash Advance Rate. Minimum monthly repayments required. NAB may vary or end this offer at any time. Access to six complimentary insurances when you make an eligible purchase. Additional cardholder at no extra cost. Up to 44 days interest free on purchases. Apple Pay, Google Pay, Samsung Pay, ] | 0 | 0 | 15 | $product[$field["value"]] | 21.74 | Visa | More details | ||||
NAB Qantas Rewards Signature | |||||||||||||
[Qantas Frequent Flyer Program] | 0 | [- Earn 1 Qantas Point for every $1 spent on eligible purchases, capped at 20, 000 Qantas Points per month - Earn 1 additional Qantas Point for every $1 spent on selected Qantas products and services in Australia - Annual 10, 000 bonus Qantas Points - New cardholders will receive 50, 000 bonus Qantas Points when $5, 000 is spent on eligible purchases within 90 days of account opening - Platinum Visa Concierge - No joining fee for Qantas Frequent Flyer membership - Add an additional cardholder at no extra cost - Minimum credit limit : $6, 000 Apple Pay, Google Pay, Samsung Pay, ] | 0 | 0 | 15 | $product[$field["value"]] | 21.99 | Visa | More details | ||||
G&C Mutual Bank Platinum Visa Credit Card | |||||||||||||
[Amplify Rewards or Amplify Qantas] | 0 | [Earn up to 100, 000 bonus Amplify Points in year When you spend $3k+ on eligible purchases in the first 90 days from new card approval. (That can get you up to $450 in eGift cards<) Plus, $49 card fee for the first year (reverts to $124), when requested at card application. Apply between 7th November 2023 and 30th November 2024, Complimentary insurance covers if you pay for your travel costs with your Amplify Platinum card before you leave Australia, as set out in the policy. 24/7 Concierge. Add an additional cardholder at no extra cost. Apple Pay, Google Pay, Samsung Pay, ] | 0 | 0 | 15 | $product[$field["value"]] | 21.99 | Visa | More details | ||||
BankSA Amplify Rewards Platinum |
All products with a link to a product provider’s website have a commercial marketing relationship between us and these providers. These products may appear prominently and first within the search tables regardless of their attributes and may include products marked as promoted, featured or sponsored. The link to a product provider’s website will allow you to get more information or apply for the product. By de-selecting “Show online partners only” additional non-commercialised products may be displayed and re-sorted at the top of the table. For more information on how we’ve selected these “Sponsored”, “Featured” and “Promoted” products, the products we compare, how we make money, and other important information about our service, please click here. Rates correct as of December 23, 2024. View disclaimer.
What is a travel credit card?
Travel credit cards are designed for overseas travel, packed with a number of features and perks to help you save money when spending in foreign countries. These can range from fee-free currency conversions, complimentary travel insurance, frequent flyer points, status credits and lounge access just to name a few.
Everyday credit card vs travel credit card
While most everyday credit cards can be used overseas, both products are structured differently which is why you may consider opting for a travel credit card if you are jetting off to a foreign country. Aside from offering different features, fees are the most significant factor when comparing the two. To benefit your finances most, it’s important to check the fees that apply when using your everyday credit card overseas. These can include currency conversion fees, cash advance fees and overseas ATM fees.
Some travel credit cards will have no currency conversion, cash advance or overseas ATM fees, however this may be at the expense of a higher interest rate on purchases.
If you decide to use your everyday credit card overseas, consider informing your credit card provider. If you don’t, your provider may think your overseas transactions are suspicious and place a temporary lock on your card - which is the last thing you want when on a holiday overseas!
Why use a travel credit card?
Travel credit cards offer convenient access to a line of credit no matter where you are in the world. They can be easily used to purchase goods or experiences without the immediate worry of having to pay the costs upfront. Using a travel credit card also means you don’t have to carry around a stack of cash, which can pose security risks depending on the country or region of the world you are travelling too.
On top of their convenience, travel credit cards also offer:
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Worldwide acceptance.
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Rewards programs.
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Special features and perks.
Worldwide acceptance
Since the majority of credit cards are issued by Visa and Mastercard, you’ll have little trouble finding places that will accept your card – there are millions of them all over the globe. Cards issued by American Express and Diners Club might be less accepted due to the higher fees they attract, but there’s still no shortage of places where you can use these cards.
Rewards programs
If you have a frequent flyer or rewards card, you may still be able to earn points for overseas spending, with some cards actually offering bonus points for non-Australian dollar spend. Also, if you’ve already built up enough points, you could use them to pay for business class flights.
Special perks
Depending on the card you’ve got, it might have some nifty features that can make your trip much easier and even a little classier, like access to airport lounges, complimentary travel insurance, concierge services, fraud protection and more.
Travel credit card pros and cons
Pros
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Widely accepted: Globally, most credit cards are issued by Visa, Mastercard or American Express. This means that you can use your travel credit card wherever that payment network is accepted overseas.
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Benefits: Depending on the structure of your credit card, you may be eligible to receive extra perks such as travel insurance, airport lounge access, reward points and frequent flyer points.
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Ability to budget: With access to a line of credit, you may be able to travel with a more flexible budget and cover any unexpected expenses that crop up.
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Low international fees: As opposed to using your normal credit card, international fees tend to be significantly lower on a travel credit card. This means lower charges for making an international transaction and widespread acceptance at overseas ATMs.
Cons
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Fees: You may be charged fees including annual fees, currency conversion fees, overseas ATM fees and cash advance fees.
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High interest: Credit cards tailored for travel will generally attract high interest rates on purchases to go along with their benefits.
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Exchange rates: With a travel credit card, you could be at the mercy of constantly changing exchange rates depending on the card’s structure.
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Temptation to overspend: you have access to a line of credit, so there is a potential temptation to overspend, compared to using a travel debit card or travel money card, for example.
Comparing travel credit cards
While you’ll find some attractive travel credit card options in our comparison table above, when comparing these cards it is important to identify specific factors that best suit your travel needs and financial position.
Fees
Be sure to consider annual fees, currency conversion fees, overseas ATM fees and cash advance fees, as well as any fee waivers that may apply for use of the travel credit card. What may seem like an enticing deal at the start, may have the potential to bite you later on down the track with a number of hidden fees.
Rewards
If you are choosing a rewards or frequent flyer credit card, check the rate at which points accumulate and what you can redeem your points for. In most cases, points can be redeemed for flights, accomodation, upgrades and status credits.
Premium features
When comparing travel credit card options, keep on the lookout for additional perks such as complimentary travel insurance, cover for specific instances such as COVID-19 or loss of baggage and airport lounge access.
Ease of use
Another factor to consider is the ease of use for your travel credit card and associated account. This can range from a number of factors including merchant acceptability, international ATM access and security.
Savings.com.au’s two cents
Travel credit cards are a popular option for those looking to jet off overseas with the potential to take advantage of some beneficial rewards. After all who doesn’t love a freebie?
Before you do look to take advantage of rewards such as complimentary lounge access or the ability to accumulate points for free flights down the track, ensure you consider factors such as annual fees and interest rates as travel credit cards are renowned for both expenses. Some credit cards may come with more bells and whistles than you can count, therefore it’s important to determine the features of the credit card that will benefit your travels most prior to signing on the dotted line.
It’s also important to not spend beyond your means despite the temptation. Set yourself a budget and a regular repayment goal to avoid paying significant interest expenses on the accumulated credit balance.
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