As I'm heading to a country that doesn't use Mastercard, I'm looking for a Visa Credit Card that has no foreign exchange fees, foreign transaction fees, prefer no annual fee, but if I can cancel the card before incurring annual fee than that's awesome.
Alas, Bankwest Platinum Zero & 28 Degrees is Mastercard.
If you have an ING Orange Everyday that you use regularly, then their Orange One Credit Card offers fee free overseas transactions, no annual fee and is a Visa.
Please note:
Foreign currency conversion fee (payable to us):
for all Transactions in a foreign currency; and
for all Transactions in Australian dollars or a foreign currency, where:
the merchant or financial institution accepting the card is located outside of Australia; or
the entity processing the Transaction is located outside of Australia).
2.5% of transaction amount
However:
Foreign currency conversion fee rebate 100% rebate of ING foreign currency conversion fee of 2.5% of the amount of the international transaction when eligibility criteria is met
Offer will apply for the next calendar month when you perform the following during the current calendar month:
deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
make at least 5 card purchases that are settled (not pending) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
Merchants may charge you a separate fee for their services (which is not rebated under this offer).
Might be risky if you don't use ING as your primary Bank though.
I've been an ING customer for years (due to ING Tap & Go 5% rebate). I've basically eliminated by funds from my Everyday Account.
How does the ING Card compare to ANZ Rewards Travel Adventures?
I don’t have either so can’t advise unfortunately.
It’s probably a decision between meeting the requirements above, or going with the ANZ and cancelling before the yearly fee!
The basic ING card is a very simple no-frills card — no included rewards program, insurances, domestic flights, etc. that are included with the ANZ card.
It is convenient if you already use ING because you can have the card balance swept directly from a savings maximiser account when it's due (note the ING card is a bit unusual in that you can only pay the balance from another ING account — they don't offer bpay or direct debit from other banks). Purchases on the credit card also count towards their 5-transaction condition for bonuses, and you can use the Orange Everyday debit card for completely free ATM withdrawals overseas too.
I used to have the ANZ card and at the time it didn't show pending transactions in internet banking, but I've heard that's changed since I left them. ING shows pending transactions immediately, however the pending amount can differ slightly to the final amount if it's foreign currency.
I'd recommend ING to you if you're already setup with them, otherwise ANZ.
Oh, two more things:
ANZ will charge you the annual fee on your first statement
I suppose Westpac's lite card (https://www.westpac.com.au/personal-banking/credit-cards/low…) is another option for you, though it has a monthly fee attached. I wouldn't choose it.
Sorry I think this is only for onlinr transactions so this won't help
DiviPay is out of action anyway.
What country doesn’t have Mastercard?
+1, do they have Maestro?
No Maestro either (ex-Soviet Central Asian Country).
Visa widely accepted though (the wife has family still there which we are visiting)
Let's just call it Uzbekistan.
Correct.
If your going to a country that dosent accept mastercard. Visa isnt going to save u. That one guy in the village will only accept coconut shells and salt
Have a look here