[[cards_with_no_overseas_transaction_fees]]
Debit & Credit Cards with No International Fees
This wiki breaks down all the credit and debit cards available in Australia that don't charge you international fees.
This wiki is contributed by the public, therefore its accuracy cannot be guaranteed. You need to perform your own checks on the specific banks websites by reading their up to date terms and conditions.
Ethical Banking
See if the bank you choose invests its money in fossil fuels:
VISA & Mastercard
VISA and Mastercard are the payment networks which allows banks to process credit and debit cards transactions. So even though your bank will issue you the card itself (which is linked to a local bank account), Visa and Mastercard allow them to use their networks for the payments to happen.
Mastercard is more popular in Australia due to it's discounts, specials and rewards, however VISA is the largest payment network globally.
It's advisable when travelling overseas that you have both a VISA and Mastercard issued credit or debit card on you, just incase a merchant doesn't accept either VISA or Mastercard.
Mastercard
If you transact in a foreign currency that is not USD, Mastercard will first convert the amount to USD and then back into AUD.
Mastercard Exchange Rate: https://www.mastercard.us/en-us/personal/get-support/convert-currency.html
VISA
VISA's exchange rates in USD generally match Mastercard's rate. However on other currency they generally have a very slight advantage as they don't convert to USD and then to AUD like Mastercard does.
VISA Exchange Rate: https://www.visa.com.au/support/consumer/travel-support/exchange-rate-calculator.html
Dynamic Currency Conversion (DCC)
If you have a card with no international transaction fee's, it's advisable to avoid using DCC if it's offered to you.
DCC is sold as a service for travelers because you don’t need to understand the exchange rate to know what a transaction is costing you. However, it comes with the risk of hidden fees and a poor exchange rate.
DCC occurs when you’re prompted if you like to be charged in the local currency or Australian Dollars (AUD). The three places you will likely see DCC being used is via PayPal, foreign ATM's and foreign merchant terminals. However, you may find this prompt in other places while travelling overseas.
If you have a card with no international transaction fee's, you will likely always be ahead if you select 'pay in local currency' which will process the payment via VISA or Mastercard's exchange rate. This is typically better than the rate an overseas ATM or merchant will give you via their DCC offering.
Credit Cards with No Overseas Transaction Fees
| Bank | Product Name | Annual/Monthly Fee | Visa/Mastercard | Joint Accounts | Additional Card Holder Fee | Reward Points/Cash Back | Airport Lounge | Travel Insurance | Price Guarantee | Purchase Security | Extended Warranty | Apple Pay | Google Pay | Garmin Pay | Interest Free Period | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bankfirst | Classic | $0 | Visa | - | $0 | - | - | - | - | - | - | Yes | Yes | - | 55 Days | International transaction fee waiver only applies if you have a home loan with Bankfirst. |
| Bankfirst | Platinum | $99 | Visa | - | $0 | - | - | Yes | - | - | - | Yes | Yes | - | 55 Days | - |
| Bankwest | Breeze Platinum | $69 ($0 in 1st year) | Mastercard | - | $0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | - |
| Bankwest | More Platinum | $160 | Mastercard | - | $0 | 2 Bankwest points per $1 | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | - |
| Bankwest | More World Platinum | $270 | Mastercard | - | $0 | 2.5 Bankwest points per $1 | 10 Passes per year. | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | - |
| Bankwest | Qantas Platinum | $160 | Mastercard | - | $0 | 0.6 QANTAS points per $1 up to $2500, then 0.3 | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | - |
| Bankwest | Qantas World Platinum | $270 | Mastercard | - | $0 | 1 QANTAS points per $1 up to $5000, then 0.5 | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | - |
| Bankwest | Zero Platinum | $0 | Mastercard | - | $0 | - | - | Yes (International Only) | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | - |
| Bendigo Bank | Ready | $0 | Mastercard | Yes | $0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | - |
| Commonwealth Bank | Smart Awards | $0 with $2000 monthly statement spend, otherwise $19 per month. | Mastercard | - | $0 | 1.5 Awards points or 0.6 Qantas Points for every $1 spent up to and including $5,000 in a statement period. | Access to lounges at additional cost. | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | - |
| Commonwealth Bank | Ultimate Awards | $0 with $4000 monthly statement spend, otherwise $35 per month. | Mastercard | - | $0 | 3 Commbank Award Points for International Spend, 2 Commbank Award Points for Grocery/Petrol, 1 Point for everything else. Option to earn Qantas Points instead of CommBank Award Points for $60. | x2 Provided each year. | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | - |
| Commonwealth Bank | Neo | $12/$18/$22 Per Month based on credit limit | Mastercard | - | Not Available | - | - | - | - | - | - | Yes | Yes | Yes | No Interest Charged | Monthly fee is charged if you use the card. If you don't use the card then no monthly fee applies. |
| HSBC | Low Rate | $99 | Visa | - | $0 | - | - | - | - | - | - | Yes | Yes | - | 55 Days | - |
| ING | Orange One Low Rate | $0 | Visa | - | $10 | - | - | Yes, if credit limit is $6000 or more. | - | - | - | Yes | Yes | - | 44 Days | Deposit $1000 + x5 transactions across ING debit or credit card or hold an ING home loan. |
| ING | Orange One Platinum | $149 | Visa | - | $10 | 1% Cashback up to $3000 spend per month. | - | Yes | - | - | - | Yes | Yes | - | 44 Days | Deposit $1000 + x5 transactions across ING debit or credit card, or hold an ING home loan. |
| Latitude Finance | 28 Degrees | $0 | Visa | - | $0 | - | - | - | - | - | - | Yes | Yes | Yes | 55 Days | Charges at least $0.95 for each BPay payment. Subject of a data breach March 2023. |
| Macquarie Bank | Black | $149 | Mastercard | - | $0 | 2 Macquarie Points per $1 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | 55 Days | Applications restricted to Macquarie Bank home loan customers. |
| Macquarie Bank | Platinum | $99 | Mastercard | - | $0 | 1.25 Macquarie Points per $1 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | 55 Days | Applications restricted to Macquarie Bank home loan customers. |
| Macquarie Bank | Rate Saver | $69 | Mastercard | - | $0 | - | - | - | - | - | - | Yes | Yes | Yes | 55 Days | Applications restricted to Macquarie Bank home loan customers. |
| NAB | StraightUp | $10/$15/$20 Per Month based on credit limit. | Visa | - | Not Available | - | - | - | - | - | - | Yes | Yes | Yes | No Interest Charged | Monthly fee is charged if you use the card. If you don't use the card then no monthly fee applies. |
| Westpac | Lite | $108 | Mastercard | - | $0 | - | - | - | - | - | - | Yes | Yes | Yes | 45 Days | - |
Debit Cards with No Overseas Transaction Fees
| Bank | Product Name | Monthly Fee | Card Colour Options | Visa/Mastercard | Joint Accounts | Cashback | Bank@Post | Overseas ATM Withdrawal Fee | Rebate Overseas ATM Operator Fee | Apple Pay | Google Wallet | Samsung Wallet | Garmin Pay | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bankfirst | Visa Debit | $0 | No | Visa | Yes | - | Yes | $2.50 | - | Yes | Yes | Yes | - | International transaction fee waiver only applies if you have a home loan with Bankfirst. |
| Bankwest | Easy Transaction | $0 | Yes | Mastercard | Yes - Must create and have 2x individual personal accounts (Transaction, Saving) or an existing mortgage with Offset accounts to open a joint accounts via the Bankwest App. Otherwise you currently need to attend a branch - which is currently limited to WA based customers only. https://www.bankwest.com.au/help/applications/joint-applications | - | Yes | $0 | - | Yes | Yes | Yes | Yes | Bankwest is set to become a digital/online only bank by the end of 2024 |
| Bankwest | Qantas Transaction | $0 | Yes | Mastercard | Yes - Must create and have 2x individual personal accounts (Transaction, Saving) or an existing mortgage with Offset accounts to open a joint accounts via the Bankwest App. Otherwise you currently need to attend a branch - which is currently limited to WA based customers only. https://www.bankwest.com.au/help/applications/joint-applications | - | Yes | $0 | - | Yes | Yes | Yes | Yes | 3 Qantas Points per eligible purchase and 0.3 Qantas Points for every $100 in your account each day on balances up to $50,000. Must deposit $2000 per month. Bankwest is set to become a digital/online only bank by the end of 2024 |
| Great Southern Bank | Everyday Edge Account | $0 | No | Visa | Yes | - | Yes | $4.50 (rebated if eligible criteria met) | - | Yes | Yes | Yes | Yes | Deposit $2000 + 5 eligible card purchases in the current month. The rebate is applied on the first day of the next month. |
| HSBC | Everyday Global | $0 | No | Visa with no EFTPOS | Yes | 2% on contactless purchases under $100. | Yes | $0 | HSBC ATM's only. Excluding HSBC ATM's in Argentina, France, Greece, Malta, Mexico and Turkey. | Yes | Yes | - | - | For 'Everyday Extras' you must deposit $2000 per month. No EFTPOS functionality. |
| ING | Orange Everyday | $0 | No | Visa | Yes | - | Yes | $0 (max 5 ATM withdrawals per month rebated - domestic and international) | No | Yes | Yes | - | - | Deposit $1000 per month and make 5 eligible transactions or hold an ING home loan. |
| Macquarie | Transaction | $0 | No | Mastercard with no EFTPOS | Yes | - | - | $0 | - | Yes | Yes | - | - | No EFTPOS or Bank@Post functionality. |
| Me Bank | SpendME | $0 | Yes - $0.01c is donated to the charity linked to each card colour for every transaction performed | Visa | Yes | - | Yes | $0 | - | Yes | Yes | - | Yes | x5 different debit card colours are linked to different charities. Everytime you make a purchase on your card, $0.01c is donated to them. https://www.mebank.com.au/banking/charity-transaction-accounts/ |
| NAB | Platinum Debit | $10 | No | Visa | Yes | 1% on contactless purchases. | Yes | $5 | - | Yes | Yes | Yes | Yes | - |
| Suncorp Bank | Everyday Options | $0 | No | Visa | Yes | - | Yes | $0 | - | Yes | Yes | Yes | - | Suncorp Bank has been acquired by ANZ. Suncorp Bank customers will be migrated onto the ANZ Plus app in future. Not yet clear if ANZ Plus will introduce zero international transaction fee's to match what Suncorp is currently offering. https://www.bankingday.com/anz-plus-hitting-its-straps |
| :ubank | Spend Account | $0 | Yes - Joint Account has a different card colour | Visa | Yes - Must create and have 2x individual personal accounts to open a joint account | - | - | $0 | - | Yes | Yes | Yes | Yes | No Bank@Post functionality. |
| Up | Transaction Account | $0 | Yes - Joint Account has a different card colour | Mastercard | Yes - Must create and have 2x individual personal accounts to open a joint account | - | Yes | $0 | - | Yes | Yes | Yes | Yes | - |
Pre-Paid Debit Cards with No Overseas Transaction Fees
| Bank | Product Name | Monthly Fee | VISA / Mastercard | Airport Lounge Access | Overseas ATM Withdrawal Fee | Rebate Overseas ATM Operator Fee | Apple Pay | Google Wallet | Samsung Wallet | Garmin Pay | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Hay | Prepaid | $0 | VISA | - | $0 up to $500 per month, 1.5% for amounts past $500. | - | Yes | Yes | Yes | - | Hay is a prepaid account. |
| Revolut | Standard | $0 | VISA | - | $0 up to $350 per month. | - | Yes | Yes | Yes | Yes | Free physical card (excluding delivery) and no fee for 1st virtual Visa card. |
| Revolut | Premium | $10.99 | VISA | Passes available to purchase. Free passes if flight is delayed for >1 hour. | $0 up to $700 per month. | - | Yes | Yes | Yes | Yes | - |
| Revolut | Metal | $24.99 | VISA | Passes available to purchase. Free passes if flight is delayed for >1 hour. | $0 up to $1400 per month. | - | Yes | Yes | Yes | Yes | - |
| Wise | Multi Currency Account | $0 | VISA | - | 2x free withdrawals every 30 days up to $350. | - | Yes | Yes | Yes | Yes | $10 new card order fee. Wise has integration with UP Money for international money transfers. |