[[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 it's 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
ANZ Rewards Travel Adventures $120 NO $69 1.5 Reward Points per $1 up to $2000 then 0.5 points - Yes Yes Yes Yes Yes Yes Yes Yes 55 Days
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 $99 ($49 in 1st year) NO $0 - - Yes Yes Yes Yes Yes Yes - - 55 Days
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) Yes Yes Yes Yes Yes Yes - - 44 Days
Bankwest QANTAS Platinum $160 NO $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 NO $0 1 QANTAS points per $1 up to $5000, then 0.5 - Yes Yes Yes Yes Yes Yes - - 44 Days
Bankwest Zero Platinum $0 NO $0 - - Yes Yes Yes Yes Yes Yes - - 55 Days
Coles Rewards Mastercard $99 NO $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 NO $0 - - Yes Yes - Yes Yes Yes Yes Yes 55 Days
Commonwealth Bank Ultimate Awards $0 with $2500 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 LoungeKey Access at a cost 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
FlexiCards Bundll $0 N/A Not available - - - - - - Yes Yes - - No Interest Charged BNPL - avoid $10 late fee and account suspension by repaying each week's purchases within 14 days. Payment by virtual 16-digit Mastercard or contactless Google/Apple Pay.
HSBC Low Rate $99 NO $0 - - - - - - Yes Yes - - 55 Days
ING Orange One $0 NO $10 - - - - - - Yes - - - 44 Days Deposit $1000 + x5 transactions across ING debit or credit card
ING Orange One Platinum $149 NO $10 1% Cashback up to $3000 spend per month - Yes - - - Yes - - - 44 Days Deposit $1000 + x5 transactions across ING debit or credit card
Latitude Finance 28 Degrees $0 UNKNOWN $0 - - - - - - Yes Yes Yes Yes 55 Days
Macquarie Bank Black $149 NO $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 NO $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 NO $0 - - - - - - Yes Yes Yes Yes 55 Days
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 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 Yes Yes - - - - - - - $0 - Yes Yes Yes Yes -
Bankfirst VISA Debit $0 YES Yes Yes - Yes - - - - - $2.50 - Yes Yes - - International transaction fee waiver only applies if you have a home loan with Bankfirst
Citibank Plus Transaction Account $0 NO Yes Yes - Yes - - - - - $0 Citibank Only Yes - - - -
Commonwealth Bank World Debit Card $10 NO Yes Yes - Yes Yes Yes Yes Yes x2 LoungeKey passes annually $0 - Yes Yes Yes Yes INVITE ONLY
CUA SNAP Transaction Account $0 YES Yes Yes - Yes - - - - - $0 - Yes Yes - - Deposit $2000 per month + 5 transactions
Hay Prepaid $0 UNKNOWN - Osko IN/OUT, No PayID - - - - - - - $0 up to $500 per month, 1.5% for amounts past $500 - Yes Yes - - Hay is a prepaid account.
HSBC Everyday Global $0 NO 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 NO Yes Yes - Yes - - - - - $0 Yes Yes Yes - - Deposit $1000 per month + 5 Transactions
ING Youth Everyday $0 NO Yes Yes - Yes - - - - - $0 Yes Yes Yes - - Restricted to 15, 16 and 17 year olds
Macquarie Transaction $0 NO Yes Yes - - - - - - - $0 - Yes Yes Yes Yes -
NAB Platinum Debit $10 NO Yes Yes 1% on contactless purchases Yes Yes Yes Yes Yes - $5 - Yes Yes Yes Yes -
UBank USpend $0 NO Yes Yes - - - - - - - $0 - Yes Yes Yes Yes -
Revolut Standard $0 UNKNOWN - - - - - - - - - $0 up to $350 per month - Yes Yes - - Revolut is a prepaid account. $8.99 Card + $10 Delivery for Physical Card on free plan, No fee for 1st Virtual Prepaid 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 - - Revolut is prepaid account
Revolut Metal $29.99 UNKNOWN - - 1% international payments. 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 - - Revolut is prepaid account
Suncorp Everyday Options $0 Yes Yes Yes - Yes - - - - - $5 - Yes Yes - -
Transferwise Boarderless Account $0 UNKNOWN - Yes - - - - - - - $0 up to $350 every 30 days - Yes Yes - - Transferwise is a prepaid account. $2000 limit on Apple Pay. $3500 limit on Google Pay. $10 new card order fee, $6 replacement card fee.
UP Transaction Account $0 YES Yes Yes - Yes - - - - - $0 - Yes Yes 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

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 fee’s regardless of if you gave 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 Fee’s are waived for all customers. You DO NOT need a home loan with Bankfirst YES

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 INVITE ONLY NO
Credit Card Low Fee Gold Mastercard $0 if you spend $10,000 per year, otherwise $89 annually NO
Credit Card Ultimate Awards Mastercard $0 if you spend $2500 per statement period, otherwise $35 monthly 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.

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 then. 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
Debit Card Youth Everyday Debit Card Limited to 15, 16, 17 Year Olds NO
Credit Card Orange One Mastercard $0 Annual Fee NO
Credit Card Orange One Platinum Mastercard $149 Annual Fee NO

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 Ethical Bank ? (MarketForce)
Debit Card Transaction Debit Card NO
Credit Card Platinum Visa (Macquarie or Qantas Points) $99 Annual Fee NO
Credit Card Black Visa (Macquarie or Qantas Points) $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