[[cards_with_no_overseas_transaction_fees]]

This wiki breaks down all the credit and debit cards available in Australia that don't charge you international fees.

Credit Cards with No Overseas Transaction Fees

Bank Product Name Annual/Monthly Fee 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
ANZ Rewards Travel Adventures $225 $65 1.5 ANZ Rewards Points per $1 up to $2000 per month, then 0.5 x2 Virgin Australia Domestic Passes Yes Yes Yes Yes Yes Yes Yes Yes 55 Days
Bankwest Breeze Platinum $99 ($49 in 1st year) $0 - - Yes Yes Yes Yes Yes Yes - - 55 Days
Bankwest More Platinum $160 $0 2 Bankwest points per $1 - Yes Yes Yes Yes Yes Yes - - 44 Days
Bankwest More World Platinum $270 $0 2.5 Bankwest points per $1 10 Passes per year (LoungeKey) Yes Yes Yes Yes Yes Yes - - 44 Days
Bankwest QANTAS Platinum $160 $0 0.75 QANTAS points per $1 up to $2500, then 0.3 - Yes Yes Yes Yes Yes Yes - - 44 Days
Bankwest QANTAS World Platinum $270 $0 1 QANTAS points per $1 up to $5000, then 0.5 - Yes Yes Yes Yes Yes Yes - - 44 Days
Bankwest Zero Platinum $0 $0 - - Yes Yes Yes Yes Yes Yes - - 55 Days
Coles Rewards Mastercard $99 $0 2 Flybuys points per $1 - Yes Yes Yes Yes Yes - - - 55 Days
Commonwealth Bank Low Fee Gold $0 with $10,000 annual spend, otherwise $89 $0 - - Yes Yes - Yes Yes Yes Yes Yes 55 Days
Commonwealth Bank Ultimate Awards $0 with $2500 monthly statement spend, otherwise $35 per month $0 *3 Commbank Award Points for International Spend ,*2 Commbank Award Points for Grocery/Petrol, *1 Point for everything else LoungeKey Access at a cost Yes - Yes - Yes Yes Yes Yes 55 Days
HSBC Low Rate $99 $0 - - - - - - Yes Yes - - 55 Days
ING Orange One $0 $10 - - - - - - Yes - - - 44 Days
ING Orange One Platinum $149 $10 1% Cashback up to $3000 spend per month - Yes - - - Yes - - - 44 Days
Latitude Finance 28 Degrees $0 $0 - - - - - - Yes Yes Yes Yes 55 Days
Macquarie Bank Black $149 $0 2 Macquarie Points per $1. Or 1 QANTAS Point per $1 up to $4000 then 0.5 - Yes - Yes Yes Yes Yes Yes Yes 55 Days
Macquarie Bank Platinum $99 $0 1.25 Macquarie Points per $1. Or 1 QANTAS Point per $1 up to $1000 then 0.5 - Yes - Yes Yes Yes Yes Yes Yes 55 Days
Macquarie Bank Rate Saver $69 $0 - - - - - - Yes Yes Yes Yes 55 Days
Westpac Lite $108 $0 - - - - - - Yes Yes Yes Yes 45 Days

Debit Cards with No Overseas Transaction Fees

Bank Product Name Monthly Fee Joint Accounts OSKO & PayID Cash Back [email protected] Travel Insurance Purchase Security Extended Warranty Price Guarantee Airport Lounge Access Overseas ATM Withdrawal Fee Rebate Overseas ATM Operator Fee Apple Pay Google Pay Fitbit Pay Garmin Pay Notes
86400 Pay Account $0 Yes (Pilot) Yes - - - - - - - $0 - Yes Yes Yes Yes -
Citibank Plus Transaction Account $0 Yes - - Yes - - - - - $0 Citibank Only Yes - - - -
Commonwealth Bank World Debit Card $10 Yes Yes - Yes Yes Yes Yes Yes x2 LoungeKey passes annually $0 - Yes Yes Yes Yes PRODUCT BEING TRAILED, INVITE ONLY
CUA SNAP Transaction Account $0 Yes Yes - Yes - - - - - $0 - Yes Yes - - Deposit $2000 per month + 5 transactions
HSBC Everyday Global $0 Yes - 2% tap and pay under $100 Yes - - - - - $0 HSBC Only. Excluding HSBC ATM's in Argentina, Brazil, Malta, Mexico, New Zealand, France Yes Yes - - Deposit $2000 per month
ING Orange Everyday $0 Yes Yes - Yes - - - - - $0 Yes Yes Yes - - Deposit $1000 per month + 5 Transactions
ING Youth Everyday $0 Yes Yes - Yes - - - - - $0 Yes Yes Yes - - Restricted to 15, 16 and 17 year olds
Macquarie Transaction $0 Yes Yes - - - - - - - $0 - Yes Yes Yes Yes -
NAB Platinum Debit $10 Yes Yes 1% on contactless purchases Yes Yes Yes Yes Yes - $5 - Yes Yes Yes Yes -
UBank USpend $0 Yes - - - - - - - - $0 - Yes Yes Yes Yes -
Revolut Standard $0 - - - - - - - - - $0 up to $350 per month - - - - - Revolut is a prepaid account
Revolut Premium $10.99 - - - - - - - - passes available to purchase $0 up to $700 per month - - - - - Revolut is prepaid account
Transferwise Boarderless Account $0 - - - - - - - - - $0 up to $350 every 30 days - Yes Yes - - Transferwise is a prepaid account. $2000 limit on Apple Pay. $3500 limit on Google Pay
UP Transaction Account $0 - Yes - Yes - - - - - $0 - Yes Yes Yes Yes -
Xinja Bank Account $0 - - - - - - - - - $0 - Yes Yes - - -

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

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
Debit Card World Debit Card PRODUCT BEING TRIALED, INVITE ONLY
Credit Card Low Fee Gold Mastercard $0 if you spend $10,000 per year, otherwise $89 annually
Credit Card Ultimate Awards Mastercard $0 if you spend $2500 per statement period, otherwise $35 monthly

HSBC

HSBC Everyday Global has 2% cash back on payments under $100. To get this you need to deposit $2000 per month.

Credit/Debit Product Name Notes
Debit Card Everyday Global $2000 deposit each month for 2% cash back
Credit Card Low Rate $99 Annual Fee

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 then. Their credit cards do not support Google Pay, however their debit cards do. Their credit card 'AutoPay' feature does not work on joint savings account.

Credit/Debit Product Name Notes
Debit Card Orange Everyday Debit Card Monthly $1000 deposit + 5 transactions
Debit Card Youth Everyday Debit Card Limited to 15, 16, 17 Year Olds
Credit Card Orange One Mastercard $0 Annual Fee
Credit Card Orange One Platinum Mastercard $149 Annual Fee

Macquarie Bank

Macquarie bank offer 2 different point earning abilities on their Platinum and Black Visa, you can select either QANTAS points or Macquaire Points. 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
Debit Card Transaction Debit Card
Credit Card Platinum Visa (Macquarie or Qantas Points) $99 Annual Fee
Credit Card Black Visa (Macquarie or Qantas Points) $149 Annual Fee