====== 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
https://www.marketforces.org.au/info/compare-bank-table/

====== Credit Cards with No Overseas Transaction Fees ======

|**Bank** ^ Product Name ^ Annual/Monthly Fee ^ Ethical Bank? (MarketForce) ^  Additional Card Holder Fee ^ Reward Points/Cash Back ^ Airport Lounge ^ Travel Insurance ^ Price Guarantee ^ Purchase Security ^ Extended Warranty ^ Apple Pay ^ Google Pay ^ Fitbit Pay ^ Garmin Pay ^ Interest Free Period ^ Notes ^
^ Bankfirst | Classic | $0 | YES |$0 | - | - | - | - | - | - | Yes | Yes | - | - | 55 Days | International transaction fee waiver only applies if you have a home loan with Bankfirst |
^ Bankfirst | Platinum | $99 | YES |$0 | - | - | Yes | - | - | - | Yes | Yes | - | - | 55 Days |
^ Bankwest | Breeze Platinum | $69 ($0 in 1st year) | NO |$0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | NB Bankwest converts to USD first before applying Mastercard rate, resulting in poorer rates. |
^ Bankwest | More Platinum | $160 | NO |$0 | 2 Bankwest points per $1 | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 44 Days |
^ Bankwest | More World Platinum | $270 | NO |$0 | 2.5 Bankwest points per $1 | 10 Passes per year (LoungeKey until 1 Dec 23, Dragonpass from 1 Dec 23) | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days |
^ Bankwest | Qantas Platinum | $160 | NO |$0 | 0.6 QANTAS points per $1 up to $2500, then 0.3 | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days | 
^ Bankwest | Qantas World Platinum | $270 | NO |$0 | 1 QANTAS points per $1 up to $5000, then 0.5 | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44 Days |
^ Bankwest | Zero Platinum | $0 | NO |$0 | - | - | Yes (International Only) | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days |
^ Bendigo Bank | Ready | $0 | YES |$0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | Joint accounts allowed|
^ Coles | Rewards Mastercard | $99 | NO |$0 | 2 Flybuys points per $1 up to $3000, then 1 per $1 | - | - | Yes | Yes | Yes | Yes | - | - | - | 55 Days |
^ Commonwealth Bank | Smart Awards | $0 with $2000 monthly statement spend, otherwise $19 per month | 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 | Yes | 55 Days |
^ Commonwealth Bank | Ultimate Awards | $0 with $4000 monthly statement spend, otherwise $35 per month | 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 pa | x2 Provided Each Year | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days |
^ Commonwealth Bank | Neo | $12/$18/$22 Per Month based on credit limit | NO |Not available | - | - | - | - | - | - | Yes | 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 | NO |$0 | - | - | - | - | - | - | Yes | Yes | - | - | 55 Days |
^ ING | Orange One Low Rate | $0 | 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 | 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 | UNKNOWN |$0 | - | - | - | - | - | - | Yes | 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 | NO |$0 | 2 Macquarie Points per $1 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | Applications restricted to Macquarie Bank home loan customers |
^ Macquarie Bank | Platinum | $99 | NO |$0 | 1.25 Macquarie Points per $1 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days | Applications restricted to Macquarie Bank home loan customers |
^ Macquarie Bank | Rate Saver | $69 | NO |$0 | - | - | - | - | - | - | Yes | Yes | Yes | Yes | 55 Days | Applications restricted to Macquarie Bank home loan customers |
^ NAB | StraightUp | $10/$15/$20 Per Month based on credit limit | NO |Not available | - | - | - | - | - | - | Yes | 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 | NO |$0 | - | - | - | - | - | - | Yes | Yes | Yes | Yes | 45 Days |

====== Debit Cards with No Overseas Transaction Fees ======

|**Bank** ^ Product Name ^ Monthly Fee ^ Ethical Bank? (MarketForce) ^ Joint Accounts ^ Osko & PayID ^ 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 ^ Fitbit Pay ^ Garmin Pay ^ Notes ^
^ Bankfirst | Visa Debit | $0 | Yes | Yes | 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 | No | WA or Home Loan Customers Only | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | Yes |  |
^ Bankwest | Qantas Transaction | $0 | No | WA or Home Loan Customers Only | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | 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. |
^ Commonwealth Bank | World Debit Card | $10 | No | Yes | Yes | - | Yes | Yes | Yes | Yes | Yes | x2 LoungeKey passes annually. | $0 | - | Yes | Yes | Yes | Yes | Yes | **Pilot Phase - INVITE ONLY** Random invites were issued in 2019 and haven't become available for new customers since. Product is no longer offered. |
^ Great Southern Bank | Everyday Edge Account | $0 | Yes |Yes | 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. |
^ Hay | Prepaid | $0 | UNKNOWN | - | Osko IN/OUT, No PayID | - | - | - | - | - | - | - | $0 up to $500 per month, 1.5% for amounts past $500 | - | Yes | Yes | Yes | - | - | Hay is a prepaid account. |
^ HSBC | Everyday Global | $0 | No |Yes | - | 2% tap and pay 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 | No |Yes | Yes | - | Yes | - | - | - | - | - | $0 (max 5 ATM withdrawals per Month rebated -domestic and international) | Yes (No from 1 Aug-23) | Yes | Yes | No | - | - | Deposit $1000 per month and make 5 eligible transactions, or hold an ING home loan |
^ Macquarie | Transaction | $0 | No | Yes | Yes | - | - | - | - | - | - | -  | $0 | - | Yes | Yes | No | Yes | Yes | Single network debit card. Mastercard only - No eftpos. |
^ MeBank | SpendMe | $0 | No | Yes | Yes | - | - | - | - | - | - | -  | $0 | - | Yes | Yes | No | Yes | Yes |  |
^ NAB | Platinum Debit | $10 | No |Yes | Yes | 1% on contactless purchases. | Yes | Yes | Yes | Yes | Yes | - | $5 | - | Yes | Yes | Yes | Yes | Yes |
^ Revolut | Standard | $0 | UNKNOWN | - | - | - | - | - | - | - | - | - | $0 up to $350 per month. | - | Yes | Yes | Yes | - | Yes | Free physical card (excluding delivery), no fee for 1st Virtual Visa. |
^ Revolut | Premium | $10.99 | UNKNOWN | - | - | - | - | - | - | - | - | 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 | UNKNOWN | - | - | 1% international payments and 0.1% domestic payments. | - | - | - | - | - | Passes available to purchase. Free passes if flight is delayed for >1 hour. | $0 up to $1400 per month. | - | Yes | Yes | Yes | - | Yes |  |
^ Suncorp | Everyday Options | $0 | Yes | Yes | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | - | - |
^ :ubank | Spend Account | $0 | No | Yes | Yes | - | - | - | - | - | - | - | $0 | -  | Yes | Yes | Yes | Yes | Yes |
^ Wise | Multi Currency Account. | $0 | UNKNOWN | - | Yes | - | - | - | - | - | - | Yes | 2 free withdrawals every 30 days up to $350. | - | Yes | Yes | Yes | Yes | Yes | $10 new card order fee. Wise has integration with 'Up' for international money transfers. |
^ Up | Transaction Account | $0 | Yes | Yes - Must create and have 2x individual personal accounts to use. | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | Yes | Up doesn't offer standalone shared accounts (i.e. cannot create a joint account owned by two people). | 
====== Banks That Offer Both Debit and Credit Cards with No International Transaction Fees ======
**For those people that like to have all their banking under the one roof see the banks listed below. You can reference the tables above for more information**

====Bankfirst====
Bankfirst will waive international fees on the debit and classic credit cards if you have a home loan with them. Their platinum credit card will waive the international fees regardless of if you have a home loan with them or not.

^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank? (MarketForce) ^
| Debit Card | Visa Debit Card | International fees are only waived if you have a home loan with Bankfirst | YES |
| Credit Card | Classic | International fees are only waived if you have a home loan with Bankfirst | YES |
| Credit Card | Platinum | Fees are waived for all customers. You **DO NOT** need a home loan with Bankfirst | YES |

====Bankwest====

^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank? (MarketForce) ^
| Debit Card | Easy Transaction Account |  | NO |
| Debit Card | Qantas Transaction Account | 3 Qantas Points per eligible purchase + 0.3 Qantas Points for every $100 in your account each day on balances up to $50,000. $2000 monthly deposit requirement | NO |
| Credit Card | Zero Platinum | No Annual Fee | NO |
| Credit Card | Breeze Platinum | $69 annual fee | NO |
| Credit Card | More Platinum | $160 annual fee | NO |
| Credit Card | Qantas Platinum | $160 annual fee | NO |
| Credit Card | More World Platinum | $270 annual fee | NO |
| Credit Card | Qantas World Platinum | $270 annual fee | NO |
====Commonwealth Bank====
Please note that Commonwealth Bank will waive the annual fees on most (not all) of their credit cards if you have a mortgage with them under one of their 'Wealth Package' mortgages. They are also waived if you meet the minimum spend requirements through the card each month/year. Commbank also have share trading available through Commsec, so for those of you that also want to manage your investments through the same bank, this is something to consider.

^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank? (MarketForce) ^
| Debit Card | World Debit Card | **Pilot Phase - INVITE ONLY** Product is no longer offered. | NO |
| Credit Card | Smart Awards Mastercard | $0 with $2000 monthly statement spend, otherwise $19 per month. | NO |
| Credit Card | Ultimate Awards Mastercard | $0 with $4000 monthly statement spend, otherwise $35 per month. | NO |
| Credit Card | Neo | $12, $18, $22 monthly fee based on your credit limit and if you use the card or not. | NO |

====HSBC====
HSBC Everyday Global has 2% cash back on payments under $100. To get this you need to deposit $2000 per month.
Exchange rate used is their own rather than Visa - seems to be slightly worse on average.

^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank? (MarketForce) ^
| Debit Card | Everyday Global | $2000 deposit each month for 2% cash back | NO |
| Credit Card | Low Rate | $99 Annual Fee | NO |

====ING====
Please note that ING will only waive the international fees on their cards if you deposit $1000 into your ING account and have x5 completed transactions through a combination of your debit or credit cards. ING does not issue their credit cards unless you also open a transaction and savings account with them. Their credit card 'AutoPay' feature does not work on joint savings account.

^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank? (MarketForce)? ^
| Debit Card | Orange Everyday Debit Card | Monthly $1000 deposit + 5 transactions| NO |
| Credit Card | Orange One Low Rate |$0 Annual Fee. Travel insurance if credit limit >$6000| NO |
| Credit Card | Orange One Rewards Platinum | $149 Annual Fee | NO |

====Macquarie Bank====
Macquarie Bank previously offered 2 different point earning abilities on their Platinum and Black Visa

Macquaire Bank also have share trading available, so for those of you wanting to also manage your shares under the one platform this is something to consider.

^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank ? (MarketForce) ^
| Debit Card | Transaction Debit Card | No EFTPOS | NO |
| Credit Card | Platinum Visa | $99 Annual Fee | NO |
| Credit Card | Black Visa | $149 Annual Fee | NO |

====NAB====
NAB Platinum Debit has a $10 monthly fee. There is 1% cash back and a bunch of included insurances. The StraightUP credit card has a monthly fee if you use the card.

^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank ? (MarketForce) ^
| Debit Card | NAB Platinum Debit Card | $10 Monthly Fee, 1% Cashback, Insurances | NO |
| Credit Card | StraightUP | $10/$15/$20 Per Month based on credit limit and if you use the card or not | NO |