Credit cards for overseas spending

Find a credit card that best suits your needs. Compare interest rates, balance transfer rates, annual fees and more from Australia's leading lenders, big and small. - Data last updated on 22 May 2018

Now showing 1 - 20 of 48 Overseas Spending
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Platinum Credit Card
Balance Transfer0% p.a. balance transfer for 22 months (with a 2% balance transfer fee). $0 first year annual fee
Foreign Exchange Fee
3% on Visa
Overseas charges
$4
Estimated ATM Cost
$13for AU $300 withdrawal
Annual Fee
$0
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Virgin Australia Velocity Flyer Card (Balance Transfer & Points Offer)
Balance TransferEarn 3 bonus Velocity Points on top of your standard earn rate for each eligible $1 spent per month in the first 3 months and 0% p.a. on balance transfers for 18 months when you apply by 30 April 2018
Foreign Exchange Fee
3.3% on Visa
Overseas charges
$5
Estimated ATM Cost
$14.9for AU $300 withdrawal
Annual Fee
$64for 12 months then $129
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Vertigo Platinum
Balance TransferOnline only - 0% p.a. for 24 months on balance transfers requested at card application (1% BT Fee Applies). Rate then switches to applicable variable cash advance rate. $0 annual card fee for the first year (saving you $99).
Foreign Exchange Fee
3% on Visa
Overseas charges
$5
Estimated ATM Cost
$14for AU $300 withdrawal
Annual Fee
$0for 12 months then $99
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Low Rate Platinum
Balance Transfer0% p.a. on balance transfers for the first 15 months. No Balance Transfer Fee.
Foreign Exchange Fee
Overseas charges
$6
Estimated ATM Cost
Annual Fee
$99
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Gold Low Rate
Foreign Exchange Fee
2.5% on Visa
Overseas charges
$5
Estimated ATM Cost
$12.5for AU $300 withdrawal
Annual Fee
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Frank Credit Card
Foreign Exchange Fee
1.5% on MasterCard
Overseas charges
$4
Estimated ATM Cost
Annual Fee
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Low Rate Mastercard
Special$0 annual fee for the first year when you apply by 30 June 2018
Foreign Exchange Fee
3% on MasterCard
Overseas charges
$5
Estimated ATM Cost
Annual Fee
$0for 12 months then $45
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Low Rate Platinum Mastercard
Foreign Exchange Fee
3% on MasterCard
Overseas charges
$5
Estimated ATM Cost
Annual Fee
$89
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Low Rate First Mastercard (ages < 25)
Foreign Exchange Fee
3% on MasterCard
Overseas charges
$5
Estimated ATM Cost
Annual Fee
$29
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Low Rate Card
CashbackReceive $100 cashback when you apply by 30 April 2018. Offer applies when you spend $500 per month for the first 3 months.
Foreign Exchange Fee
3.3% on Visa
Overseas charges
$5
Estimated ATM Cost
$14.9for AU $300 withdrawal
Annual Fee
$49
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Low Rate
Balance Transfer0% p.a. on balance transfers for the first 15 months. No Balance Transfer Fee.
Foreign Exchange Fee
Overseas charges
$6
Estimated ATM Cost
Annual Fee
$58
Compare
Vertigo Platinum
Balance TransferOnline only - 0% p.a. for 24 months on balance transfers requested at card application (1% BT Fee Applies). Rate then switches to applicable variable cash advance rate. $0 annual card fee for the first year (saving you $99).
Foreign Exchange Fee
3% on Visa
Overseas charges
Estimated ATM Cost
$9for AU $300 withdrawal
Annual Fee
$0for 12 months then $99
Compare
Standard Card
Foreign Exchange Fee
3.4% on Visa
Overseas charges
Estimated ATM Cost
$10.2for AU $300 withdrawal
Annual Fee
$55
Compare
Low Rate Credit Card
Balance Transfer0% p.a. balance transfer for 20 months (with a 2% balance transfer fee)
Foreign Exchange Fee
3% on Visa
Overseas charges
$4
Estimated ATM Cost
$13for AU $300 withdrawal
Annual Fee
$79
Compare
Low Rate Card
Balance TransferExclusive online special: 0% p.a. on balance transfers for 26 months (2% BT fee applies) then reverts to variable cash advance rate. Offer ends 11 June 2018.
Foreign Exchange Fee
3% on Visa
Overseas charges
$2.5
Estimated ATM Cost
$11.5for AU $300 withdrawal
Annual Fee
$0for 12 months then $59
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Low Rate Card
Balance Transfer0% p.a. on balance transfers for 6 months
Foreign Exchange Fee
3% on Visa
Overseas charges
$5
Estimated ATM Cost
$14for AU $300 withdrawal
Annual Fee
$59
Compare
Low Rate Platinum
Balance Transfer0% p.a. on purchase interest rate for 9 months and 0% p.a. on balance transfers for 6 months
Foreign Exchange Fee
3% on Visa
Overseas charges
$5
Estimated ATM Cost
$14for AU $300 withdrawal
Annual Fee
$100
Compare
Platinum
Foreign Exchange Fee
2.5% on Visa
Overseas charges
$5
Estimated ATM Cost
$12.5for AU $300 withdrawal
Annual Fee
$125
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Rewards Platinum
Bonus PointsReceive 65,000 Bonus Rewards Points
Foreign Exchange Fee
3% on Visa
Overseas charges
$6
Estimated ATM Cost
$15for AU $300 withdrawal
Annual Fee
$0for 12 months then $95
Compare
Rewards
Bonus PointsReceive 25,000 Bonus Rewards Points
Foreign Exchange Fee
3% on Visa
Overseas charges
$6
Estimated ATM Cost
$15for AU $300 withdrawal
Annual Fee
$0for 12 months then $80
Compare
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A trip overseas is so exciting! Whether your work or business is footing the bill for some international exposure, or you're simply on your way to a well-deserved bit of rest and relaxation, the biggest thing on your mind is money.

Overseas credit card charges and hotel bills all add up – and the last thing you want is a stressful holiday.

Likewise, if you can’t afford to shop in New York – but instead shop at New York retailers online – you still don’t want to be charged extra for doing so.

So in order to make the most of your time overseas or shopping on overseas websites, at the least cost and inconvenience, you may wish to carry out a credit card comparison specifically targeted towards low currency conversion and ATM fee credit cards.

How does overseas spending on credit cards work?

There are two main costs to be concerned with when you are spending overseas – currency conversion fees and ATM charges. The good news is, there are many card providers that now recognise Australians’ growing trend to travel and shop overseas and, as such, offer lower fees and charges as a perk for choosing one of their credit cards.

While there are specific travel cards that you can purchase for your overseas trips, if you're looking for a credit card to use on a daily basis too, you may want to look at credit cards that operate primarily in Australian dollars, as they may have special introductory offers or balance transfer specials. For travellers looking for a card specifically for overseas use, international cards that have a few different ‘currency wallets’ may be an option also.

There are even options that offer the best of both worlds – keep all your money in Australian dollars and pay no conversion or international transaction fees – but these credit cards may come with other costs, such as high annual fees or limitations on who can successfully apply for them. Either way, you should conduct a thorough cost-benefit analysis in order to find the card that suits your personal situation.

What are the benefits of credit cards offering overseas spending perks?

Credit cards specifically geared towards overseas travel, like frequent flyer cards, are usually kitted out with a very different set of bonus features to your standard credit cards.

For example, complimentary travel insurance, international concierge services for booking hotels and events, and memberships to exclusive accommodation clubs, all beckon the anxious traveller. But frequent flyer and reward cards usually come with higher rates and fees. These costs could be worth it for frequent travellers, but what about for overseas shoppers?

Fortunately, there are some low-rate cards that offer some great overseas spending perks also – such as low currency conversion and ATM fees – while still offering lower rates and fees. So for those that travel less often but enjoy shopping online at international retailers – you may not see value in a rewards or frequent flyer card, but may benefit from a low-rate or low-fees credit card that has overseas spending perks.

When carrying out an overseas spending credit card comparison, make sure you consider the following fees:

  • ATM withdrawal fees
  • Charges from the foreign ATM provider
  • Cash advance fees
  • International transaction charges
  • Currency conversion fees
  • Charges by Mastercard or Visa on top of those from your provider
  • Interest rates and annual fees

Common travel money questions

This all sounds like a lot of money – and it can be. So why not use cash?

Well, any trip over a decent amount of time will have several associated expenses, including food, accommodation and sightseeing. If you had to carry enough physical currency to pay for all of these items, you run the very real risk of losing it all through misadventure or theft. What many travellers find is that a balance of cash and card spending is ideal.

Having enough local currency for small and frequent transactions will keep your overseas conversion fees down, while breaking out the plastic for larger expenses is an ideal way to reduce the amount of cash (and risk) you carry.

Of course credit cards can go missing too, but most providers will be able to cancel your card and get you an emergency replacement wherever you are. Watch out though – there can be hefty fees associated with this too.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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