[[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 vs 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 often linked to a local bank account, Visa and Mastercard supplies the technology to allow payments to happen.
Mastercard is more popular in Australia. However VISA is the larger payment network globally.
It is advisable that when travelling you have VISA and a Mastercard on you just incase.
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 in other currency's you will generally find VISA to be slightly cheaper.
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 is advisable to avoid using DCC if its 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 two main places you will see DCC being used is either via Paypal and foreign ATM's. 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 Mastercard or VISA's exchange rate. This is typically better than the rate an overseas ATM or merchant (like Paypal) 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 | No | $0 | - | - | - | - | - | - | Yes | Yes | - | 55 Days | International transaction fee waiver only applies if you have a home loan with Bankfirst. |
| Bankfirst | Platinum | $99 | Visa | No | $0 | - | - | Yes | - | - | - | Yes | Yes | - | 55 Days | - |
| Bankwest | Breeze Platinum | $69 ($0 in 1st year) | Mastercard | No | $0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | - |
| Bankwest | More Platinum | $160 | Mastercard | No | $0 | 2 Bankwest points per $1 | - | Yes | Yes | Yes | Yes | Yes | Yes | - | 44 Days | - |
| Bankwest | More World Platinum | $270 | Mastercard | No | $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 | No | $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 | No | $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 | No | $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 | No | $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 | 45 Days | - |
| Commonwealth Bank | Ultimate Awards | $0 with $4000 monthly statement spend, otherwise $35 per month. | Mastercard | No | $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 | 45 Days | - |
| Commonwealth Bank | Neo | $12/$18/$22 Per Month based on credit limit | Mastercard | No | 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 | No | $0 | - | - | - | - | - | - | Yes | Yes | - | 55 Days | - |
| ING | Orange One Low Rate | $0 | Visa | No | $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 | No | $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 | No | $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 | No | $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 | No | $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 | No | $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 | No | 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 | No | $0 | - | - | - | - | - | - | Yes | Yes | Yes | 45 Days | - |
Debit Cards with No Overseas Transaction Fees
| Bank | Product Name | Monthly Fee | Visa/Mastercard | Joint Accounts | Cashback | Bank@Post | Travel Insurance | Purchase Security | Extended Warranty | Price Guarantee | Airport Lounge Access | Overseas ATM Withdrawal Fee | Rebate Overseas ATM Operator Fee | Apple Pay | Google Wallet | Samsung Wallet | Garmin Pay | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bankfirst | Visa Debit | $0 | 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 | Mastercard | WA or Home Loan Customers Only. | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | - | - |
| Bankwest | Qantas Transaction | $0 | Mastercard | WA or Home Loan Customers Only. | - | Yes | - | - | - | - | - | $0 | - | 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. |
| Great Southern Bank | Everyday Edge Account | $0 | Visa | Yes | - | Yes | - | - | - | - | - | $4.50 (rebated if eligible criteria met) | - | 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 | Visa | 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 | No | - | For 'Everyday Extras' you must deposit $2000 per month. Single network debit card. Visa only - No eftpos. |
| ING | Orange Everyday | $0 | Visa | Yes | - | Yes | - | - | - | - | - | $0 (max 5 ATM withdrawals per Month rebated -domestic and international) | No | Yes | Yes | No | - | Deposit $1000 per month and make 5 eligible transactions or hold an ING home loan. |
| Macquarie | Transaction | $0 | Mastercard | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | No | Yes | Single network debit card. Mastercard only - No eftpos. |
| Me Bank | SpendME | $0 | Visa | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | No | Yes | - |
| NAB | Platinum Debit | $10 | Visa | Yes | 1% on contactless purchases. | Yes | Yes | Yes | Yes | Yes | - | $5 | - | Yes | Yes | Yes | Yes | - |
| Suncorp | Everyday Options | $0 | Visa | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | - | - |
| :ubank | Spend Account | $0 | Visa | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - |
| Up | Transaction Account | $0 | Mastercard | Yes - Must create and have 2x individual personal accounts to use. | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | Up doesn't offer standalone shared accounts (i.e. cannot create a joint account owned by two people). |
Pre-Paid Debit Cards with No Overseas Transaction Fees
| Bank | Product Name | Monthly Fee | Airport Lounge Access | Overseas ATM Withdrawal Fee | Rebate Overseas ATM Operator Fee | Apple Pay | Google Wallet | Samsung Wallet | Garmin Pay | Notes |
|---|---|---|---|---|---|---|---|---|---|---|
| Hay | Prepaid | $0 | - | $0 up to $500 per month, 1.5% for amounts past $500. | - | Yes | Yes | Yes | - | Hay is a prepaid account. |
| Revolut | Standard | $0 | - | $0 up to $350 per month. | - | Yes | Yes | Yes | Yes | Free physical card (excluding delivery), no fee for 1st virtual Visa card. |
| Revolut | Premium | $10.99 | 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 | 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 | - | 2 free withdrawals every 30 days up to $350. | - | Yes | Yes | Yes | Yes | $10 new card order fee. Wise has integration with 'Up Bank' for international money transfers. |