CC Recommendations for Booking Overseas Holiday

bumperplates on 02/10/2023 - 08:15
Last edited 02/10/2023 - 08:22

Hi,

I'm wondering if anyone can offer advice on the best CC to use when booking an overseas trip that is over my current CC limit (Citi Signature Rewards Card).

Should I try and extend the limit to take advantage with Rewards on card, or sign up for a new CC just for this purchase (and possibly use the new card as a daily CC)?

I'm not a high earner, and I'm also trying to see if I can take advantage of the travel insurance on the card if possible.

Thank you

Financial Credit Card

Comments

  • Shadowsfury on 02/10/2023 - 08:45

    Best done with a card that won't charge you foreign exchange fees - or at least only spend enough on such a card to trigger the travel insurance

    You could overpay your current credit card though - and then spend what you need in one hit.

    Every card going to have different pros and cons so hard to recommend one, but I would consider the Bendigo Bank Ready Mastercard - travel insurance, no forex fees, no annual fee is a decent enough benefit list for me. And only $3k minimum credit limit which might help with a lower income.

    • bumperplates on 02/10/2023 - 12:00

      Would you recommend also using this card solely for airfares, and all overseas travel expenses, and then use rewards to cash back on the family trip?

      • Shadowsfury on 02/10/2023 - 15:00

        Don't believe there's any rewards on the card I mentioned

  • Drakesy on 02/10/2023 - 11:14

    Churn and burn

    ANZ FF or Rewards are great.

    • bumperplates on 02/10/2023 - 11:59

      Thanks for the advice. Would I ask for the limit based on total costs like airfares etc (basically for a big family holiday), and then once purchased, use the points for cash back to what was purchased?

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