[[cards_with_no_overseas_transaction_fees]]
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cards_with_no_overseas_transaction_fees [2018/12/27 14:11] knick007 [Citibank Plus Bank Account] |
cards_with_no_overseas_transaction_fees [2024/03/04 11:52] (current) kipps |
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| - | ====== Cards with No Overseas Transaction Fees ====== | + | ====== Debit & Credit Cards with No International Fees ====== |
| - | There are very few cards on the market that have no overseas transaction fees. Most charge between 2-3% for any overseas transaction; plus an additional $5-$6 per overseas ATM transaction. | + | This wiki breaks down all the credit and debit cards available in Australia that don't charge you international fees. |
| - | See this [[http://www.choice.com.au/Reviews-and-Tests/Money/Banking/Travel-money/Buying-guide-Travel-money/Page/Card%20comparison.aspx|CHOICE magazine article]] on the foreign exchange charges on overseas purchases. | + | 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. |
| - | The 28 Degrees (formerly Wizard Clear Advantage) MasterCard used to be easily obtainable and popular for its complete lack of overseas fees, but this changed in 2014. Currently (01/2017), the Citibank Plus Debit card is the only easily obtainable card (i.e. for any income). The most easily obtained credit card would probably be the Coles Rewards Mastercard. | + | ====== Ethical Banking ====== |
| - | For a more updated and comprehensive resource see the [[http://www.creditcard.com.au/credit-cards-with-no-international-fees/|creditcard.com.au table featuring credit cards with no international transaction fees]] | + | 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 | | ||
| - | ===== Citibank Plus Bank Account ===== | + | ====== Debit Cards with No Overseas Transaction Fees ====== |
| - | The [[http://citibank.com.au/aus/banking/everyday_banking/citibank_plus.htm|Debit Card]] linked to the Citibank Plus Account offers no international fees for ATM withdrawals or transactions. The card features: | + | |**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 Customers Only | Yes| - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | Yes | | | ||
| + | ^ Bankwest | Qantas Transaction | $0 | No | WA 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 last issued in 2019 and haven't become available for new customers since. | | ||
| + | ^ 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' must deposit $2000 per month. Single network debit 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 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). Up has Wise integration for international money transfers. | | ||
| + | ====== 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** | ||
| - | * No currency conversion fees with market rates set by [[https://www.mastercard.com/global/currencyconversion/index.html|MasterCard]]. | + | ====Bankfirst==== |
| - | * No Citibank fees for international ATM withdrawals (an ATM owner fee may apply). | + | 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. |
| - | * No account keeping/monthly fees. | + | |
| - | * Extensive ATMs and branches worldwide. | + | |
| - | * Linked debit card not credit - no credit check required. | + | |
| - | * Free wine at participating restaurants within Australia. | + | |
| - | * In USA many 7/11 have Citibank ATMs in store (at least on West Coast). | + | |
| - | * Apple Pay and Samsung Pay support* | + | |
| - | Some drawbacks include an average-poor online banking system and a slow registration process (often requiring visiting a branch or Australia post to confirm identity). However, for a fee-free debit card that anyone old enough can apply for, it is a real competitor to the other options. | + | ^ 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 | | ||
| - | Note: To link this card to a __PayPal__ account, first ensure that Citibank has linked your Citibank Plus account to the Debit card as the "primary" account. That way you can pay via PayPal with no foreign conversion fee (providing you make the right selections in PayPal during the payment, i.e. select to pay in the foreign currency and don't have PayPal do the conversion). | + | ====Bankwest==== |
| - | [[https://knick007.files.wordpress.com/2016/06/citi_frm_identity-verification-request.pdf|ID verification form for Citibank]] - You may be asked to fill this out and take it to AusPost as part of the sign up process | + | ^ 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. | ||
| - | //**(this card is changing from Visa Debit to Mastercard Debit in March 2017 - terms & conditions may change)**// | + | ^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank? (MarketForce) ^ |
| + | | Debit Card | World Debit Card | **Pilot Phase - INVITE ONLY** (Product may not become available) | 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 | | ||
| - | *Apple Pay for credit cards only. | + | ====HSBC==== |
| - | ===== Macquarie Transaction Account ===== | + | 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. | ||
| - | The debit card linked to the [[http://www.macquarie.com/au/personal/bank-accounts/transaction|Macquarie Transaction Account]] features: | + | ^ 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 | | ||
| - | * No overseas transaction fees on purchases. | + | ====ING==== |
| - | * No Macquarie fees for international ATM withdrawals (an ATM owner/operator fee may apply[as of 8/12/2017]) | + | 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. |
| - | * No account keeping/monthly fees. | + | |
| - | * Refund at all Australian ATM's for withdrawals and balance request. | + | |
| - | * Apple Pay support | + | |
| - | * Google Pay support | + | |
| - | ===== ING Direct Orange Everyday Account or Orange One Credit Card ===== | + | ^ 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 | | ||
| - | The Visa debit card linked to [[https://www.ing.com.au/everyday-banking.html|Orange Everyday]] account or the [[https://www.ing.com.au/credit-cards/orange-one.html|Orange One]] credit card, both offer free international transactions once these conditions are met each month: | + | ====Macquarie Bank==== |
| + | Macquarie Bank previously offered 2 different point earning abilities on their Platinum and Black Visa | ||
| - | * deposit at least $1000 from an external source to any personal ING account; and | + | 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. |
| - | * make at least 5 non-cash purchases using ING debit or credit card | + | |
| - | Note that international transaction fees are waived for the **next calendar month** when you meet the above conditions in the current calendar month | + | ^ 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 | | ||
| - | Furthermore, when the above conditions are met Orange Everyday account offers, | + | ====NAB==== |
| - | * Fee free ATM access around the world (Any ATM owner fees are refunded immediately, even overseas) | + | 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. |
| - | * No account keeping fee | + | |
| - | + | ||
| - | Apart from that, the bank supports, | + | |
| - | * Apple pay and Google pay | + | |
| - | * Osko/PayID support - both inward and outward | + | |
| - | + | ||
| - | ===== 28 Degrees Platinum MasterCard ===== | + | |
| - | + | ||
| - | The [[http://www.28degreescard.com.au| 28 Degrees Platinum MasterCard]] features: | + | |
| - | + | ||
| - | * No annual fee. | + | |
| - | * No currency conversion fees with market rates set by [[https://www.mastercard.com/global/currencyconversion/index.html|MasterCard]] | + | |
| - | * Min $4.00 cash advance (incl ATM) fee (introduced in 2014; the card originally had no cash advance fee). | + | |
| - | * No fees for overseas purchases. | + | |
| - | * A 20.99% rate on purchases AND cash (unlike some other low rate credit cards). | + | |
| - | * 4.99% p.a. interest for six months from account opening on balances transferred. | + | |
| - | * Up to 55 days interest free on purchases (but not cash withdrawals). | + | |
| - | * Payments of balance owed can be made using the "online service centre" (free) or by BPAY (see below) | + | |
| - | * **BPAY payment fee of 95c** per transfer (free if Direct Debit or Direct Debit via. Online Service Centre) (as of July 2016). You can only put your card in positive balance (to avoid cash advance interest) by using BPAY, which always incurs the 95c fee. | + | |
| - | * Paper statement fee of $2.00 each month (free if via PDF). | + | |
| - | * $20 late payment fee (https://www.28degreescard.com.au/credit-card-features/#rates-fees). | + | |
| - | * New applicant only got "Platinum" card option with min. limit: $6000 (was available as normal card before 2014) | + | |
| - | + | ||
| - | ===== Bankwest Zero Platinum MasterCard ===== | + | |
| - | + | ||
| - | The [[http://www.bankwest.com.au/personal/credit-cards/compare-credit-cards/zero-mastercard-no-annual-fee-credit-cards|Bankwest Zero Platinum Card]] does not charge currency conversion fees (uses MasterCard exchange rate for the time of transaction), and provides free travel insurance for cardholders and their dependents as long as a minimum of $500 of the pre-paid travel expenses (e.g. flights, hotel) are paid using the card. | + | |
| - | + | ||
| - | Features: | + | |
| - | + | ||
| - | * No annual fee. | + | |
| - | * 2.99% p.a. on balance transfers for 9 months. | + | |
| - | * Up to 55 days interest free on purchases# | + | |
| - | * No foreign transaction fees on online and overseas purchases. | + | |
| - | * Free travel insurance, purchase protection and extended warranty. | + | |
| - | + | ||
| - | ===== Bankwest Qantas Platinum Mastercard ===== | + | |
| - | + | ||
| - | The [[http://www.bankwest.com.au/personal/credit-cards/compare-credit-cards/more-mastercard-rewards-qantas-credit-cards|Bankwest Qantas Platinum Card]] features: | + | |
| - | + | ||
| - | * No international transaction fees for online and overseas purchases, but overseas ATM withdrawals incur a fee. | + | |
| - | * Collect 0.5 Qantas Frequent Flyer points for every dollar you spend | + | |
| - | * $160 annual fee | + | |
| - | * Interest rate is 20.49% p.a. on purchase and cash advances | + | |
| - | * Up to 44 days interest free on purchases when you pay your full balance off each month | + | |
| - | + | ||
| - | ===== Coles Rewards MasterCard ===== | + | |
| - | + | ||
| - | The [[https://financialservices.coles.com.au/credit-cards/rewards-mastercard|Coles Rewards MasterCard]] features: | + | |
| - | + | ||
| - | * No international transaction fees for online and overseas purchases, but overseas ATM withdrawals incur a fee. | + | |
| - | * Collect 2 flybuys points for every dollar you spend | + | |
| - | * $99 annual fee (increased from $89 as at Oct 2017) | + | |
| - | * Interest rate is 19.99% p.a. on purchase and cash advances | + | |
| - | * Up to 62 days interest free on purchases when you pay your full balance off each month | + | |
| - | + | ||
| - | ===== ANZ Rewards Travel Adventures Visa ===== | + | |
| - | + | ||
| - | The [[https://www.anz.com.au/personal/credit-cards/rewards/travel-adventures/|ANZ Rewards Travel Adventures Card]] features: | + | |
| - | + | ||
| - | * No overseas transaction fees on purchases | + | |
| - | * No overseas ATM fees (**only the VISA card can be used in ATMs**) | + | |
| - | * A number of promotional bonuses have been offered since the card's introduction, so it can be worth looking out for those (if they continue to appear). | + | |
| - | * 1 free **domestic Virgin Australia return flight** every year to //specified destinations// only (including some long routes, e.g. Melbourne to Perth/Darwin/Cairns) - need to book 60 days in advance | + | |
| - | * 2 free **domestic Virgin Australia lounge passes** every year | + | |
| - | * 1.5 Reward Points per $1 spent on eligible purchases up to and including $2,000 per statement period then 0.5 Reward Points per $1 spent on eligible purchases above $2,000 per statement period (2 reward points = 1 Velocity FF point) | + | |
| - | * Up to 55 days interest fee | + | |
| - | * $225 Yearly Fee | + | |
| - | + | ||
| - | + | ||
| - | ===== Westpac Lite Card ===== | + | |
| - | + | ||
| - | The credit card linked to the [[https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/westpac-lite-card/]] features: | + | |
| - | + | ||
| - | * No overseas transaction fees on purchases overseas (including online) | + | |
| - | * Free additional cardholder | + | |
| - | * $9/mth fee ($108/year) | + | |
| - | + | ||
| - | ===== DiviPay Virtual Cards ===== | + | |
| - | + | ||
| - | [[https://www.divipay.com|DiviPay]] is a virtual card provider with one of the most competitive exchange rates on the market and Zero fx fees. | + | |
| - | + | ||
| - | **NOTE: DiviPay is temporarily paused** | + | |
| - | + | ||
| - | Features: | + | |
| - | + | ||
| - | * No overseas transaction fees on purchases | + | |
| - | * Mastercard interbank rate | + | |
| - | * Over 150 different currencies | + | |
| - | * Instant issuance of virtual card and real time funds loading | + | |
| - | * Load virtual cards via a credit/debit card and earn points | + | |
| - | + | ||
| - | + | ||
| - | ===== UBank Ultra Transaction Account ===== | + | |
| - | + | ||
| - | [[https://www.ubank.com.au/banking-overview/transaction-accounts|UBank Ultra]] is a transaction account, with a linked savings account ("USaver"), operated as a branchless subsidiary of NAB. | + | |
| - | + | ||
| - | Features: | + | |
| - | * Visa Debit | + | |
| - | * No account or transaction fees | + | |
| - | * No international or ATM fees | + | |
| - | * Unique "Sweep" feature that automatically transfers money from savings account | + | |
| - | * Linked USaver savings account with one of the best interest rates on the market, when you have deposits totalling at least $200 a month. | + | |
| + | ^ 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 | | ||
Last edited by kipps on 2024/03/04 11:52