Compare Overseas Spending credit cards

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 21 Jul 2018

Now showing 1 - 20 of 27 Overseas Spending
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Overseas Spending

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Platinum Card (Suncorp Bank Rewards)
Bonus PointsTriple reward points for the first 6 months, 0% p.a. on balance transfers for 18 months
Foreign Exchange Fee
3.4% on Visa
Overseas charges
Estimated ATM Cost
$10.2
for AU $300 withdrawal
Annual Fee
$129
Compare
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Low Rate Mastercard
Foreign Exchange Fee
3% on MasterCard
Overseas charges
$5
Estimated ATM Cost
Annual Fee
$45
Compare
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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 2 September 2018.
Foreign Exchange Fee
3.3% on Visa
Overseas charges
$5
Estimated ATM Cost
$14.9
for AU $300 withdrawal
Annual Fee
$64
for 12 months then $129
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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 Card
CashbackReceive 10% cashback (capped at $100 total) on spend in the first 3 months from card approval when you apply by 2 September 2018.
Foreign Exchange Fee
3.3% on Visa
Overseas charges
$5
Estimated ATM Cost
$14.9
for AU $300 withdrawal
Annual Fee
$49
Compare
Low Rate
Balance Transfer0% p.a. on balance transfers for the first 15 months. No Balance Transfer Fee.
Foreign Exchange Fee
3% on Visa
Overseas charges
$6
Estimated ATM Cost
$15
for AU $300 withdrawal
Annual Fee
$58
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Standard Card
Foreign Exchange Fee
3.4% on Visa
Overseas charges
Estimated ATM Cost
$10.2
for AU $300 withdrawal
Annual Fee
$55
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Low Rate Credit Card
Foreign Exchange Fee
3% on Visa
Overseas charges
$4
Estimated ATM Cost
$13
for AU $300 withdrawal
Annual Fee
$79
Compare
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
$14
for 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
$14
for AU $300 withdrawal
Annual Fee
$100
Compare
First
Balance Transfer0% p.a. on balance transfers for the first 18 months
Foreign Exchange Fee
3% on Visa
Overseas charges
$6
Estimated ATM Cost
$15
for AU $300 withdrawal
Annual Fee
$30
Compare
Platinum
Balance Transfer0% p.a. on balance transfers for the first 18 months
Foreign Exchange Fee
3% on Visa
Overseas charges
$6
Estimated ATM Cost
$15
for AU $300 withdrawal
Annual Fee
$0
for 12 months then $87
Compare
Everyday Platinum Credit Card
Gift CardsSave up to $50 every month, with 10% off your first shop on selected dates when you apply by 30 September 2018. No annual fee for the first year, saving you $49. 0% p.a. for 14 months on balance transfers, from card approval, reverting to cash advance rate.
Foreign Exchange Fee
3% on Visa
Overseas charges
$5
Estimated ATM Cost
$14
for AU $300 withdrawal
Annual Fee
$0
for 12 months then $49
Compare
Platinum Credit Card
Foreign Exchange Fee
3% on Visa
Overseas charges
$4
Estimated ATM Cost
$13
for AU $300 withdrawal
Annual Fee
$0
for 12 months then $129
Compare
Qantas Rewards Signature Card
Foreign Exchange Fee
3% on Visa
Overseas charges
$5
Estimated ATM Cost
$14
for AU $300 withdrawal
Annual Fee
$295
for 12 months then $395
Compare
Platinum Rewards Mastercard
Foreign Exchange Fee
3% on MasterCard
Overseas charges
$5
Estimated ATM Cost
Annual Fee
$89
Compare
Qantas Platinum Mastercard
Foreign Exchange Fee
3% on MasterCard
Overseas charges
$5
Estimated ATM Cost
Annual Fee
$149
Compare
Simplicity
Balance Transfer0% p.a. for 15 months on balance transfers and 5% cashback of up to $1,000 spend in the first 90 days (max $50 cashback) when you apply by 31 July 2018
Foreign Exchange Fee
3.4% on Visa
Overseas charges
$5
Estimated ATM Cost
$15.2
for AU $300 withdrawal
Annual Fee
Compare
Velocity Escape Card
Balance Transfer0% p.a. on balance transfers for the first 12 months
Foreign Exchange Fee
3% on AMEX
Overseas charges
Estimated ATM Cost
Annual Fee
Compare
Qantas Ultimate Card
Bonus PointsReceive 55,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months of Card membership.
Foreign Exchange Fee
3% on AMEX
Overseas charges
Estimated ATM Cost
Annual Fee
$450
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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