[[cards_with_no_overseas_transaction_fees]]
Differences
This shows you the differences between two versions of the page.
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cards_with_no_overseas_transaction_fees [2019/12/01 12:26] jh89 [Macquarie Bank] Macquarie credit cards are Visas not Mastercards |
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. | + | This wiki breaks down all the credit and debit cards available in Australia that don't charge you international fees. |
| - | Most charge ~2-4% for any overseas transaction (even in AUD with overseas merchants), plus an additional $3-$6 per overseas ATM withdrawal. | + | |
| - | Who wants their hard earned money lost on such old fashioned fees? | + | |
| - | To keep up-to-date with these products go to [[http://www.canstar.com.au|Canstar.com.au]] | + | 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. |
| - | On the credit card search you will need to select their filter that shows cards with 0% currency conversion fee. | + | ====== Ethical Banking ====== |
| - | On the debit card search you will need to click the 'More Info' tab and sort cards that have a 0% currency conversion fee. | + | |
| - | ===== Banks that offer both Credit Cards and Debit Cards with no international fees ===== | + | See if the bank you choose invests its money in fossil fuels |
| + | https://www.marketforces.org.au/info/compare-bank-table/ | ||
| - | For those of you that are after having all your banking under the one roof, the following banks are the only ones that offer both debit cards and credit cards with no international fee's. | + | ====== Credit Cards with No Overseas Transaction Fees ====== |
| - | You can read in more detail in the breakdowns below. | + | |**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 | | ||
| - | ==== Commonwealth Bank ==== | + | ====== Debit Cards with No Overseas Transaction Fees ====== |
| - | * [[https://www.commbank.com.au/banking/world-debit-mastercard.html|Commbank World Debit Card]] | + | |**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 ^ |
| - | * [[https://www.commbank.com.au/credit-cards/low-fee-gold.html?ei=lowfee_lfg_tellmemore|Commbank Low Fee Gold Mastercard]] | + | ^ 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** | ||
| - | For those of you that have shares, Commbank also has Commsec to manage your share portfolio. | + | ====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. | ||
| - | ==== ING Direct ==== | + | ^ 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 | | ||
| - | * [[https://www.ing.com.au/everyday-banking.html|ING Orange Everyday Debit Card]] | + | ====Bankwest==== |
| - | * [[https://www.ing.com.au/credit-cards/orange-one.html|ING Orange One Mastercard]] | + | |
| - | * [[https://www.ing.com.au/credit-cards/orange-one-platinum.html|ING Orange One Platinum Mastercard]] | + | |
| - | ==== Macquarie Bank ==== | + | ^ 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. | ||
| - | * [[https://www.macquarie.com/au/personal/bank-accounts/transaction|Macquarie Debit Card]] | + | ^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank? (MarketForce) ^ |
| - | * [[https://www.macquarie.com/au/personal/bank-accounts/transaction/platinum|Macquarie Platinum Debit Card]] | + | | Debit Card | World Debit Card | **Pilot Phase - INVITE ONLY** (Product may not become available) | NO | |
| - | * [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Rate Saver Visa]] | + | | Credit Card | Smart Awards Mastercard | $0 with $2000 monthly statement spend, otherwise $19 per month | NO | |
| - | * [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Platinum Visa]] | + | | Credit Card | Ultimate Awards Mastercard | $0 with $4000 monthly statement spend, otherwise $35 per month | NO | |
| - | * [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Black Visa]] | + | | Credit Card | Neo | $12, $18, $22 monthly fee based on your credit limit and if you use the card or not | NO | |
| - | For those of you that have shares, Macquarie also has Macquarie Online Trading to manage your share portfolio. | + | ====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. | ||
| - | ===== Debit Cards (Alphabetical Order) ===== | + | ^ 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 | | ||
| - | ==== Citibank Plus ==== | + | ====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. | ||
| - | The [[http://citibank.com.au/aus/banking/everyday_banking/citibank_plus.htm|Citibank Plus Debit Card]] has the following features: | + | ^ 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 | | ||
| - | * No International Fees | + | ====Macquarie Bank==== |
| - | * No currency conversion fees | + | Macquarie Bank previously offered 2 different point earning abilities on their Platinum and Black Visa |
| - | * No monthly fee's | + | |
| - | * Citibank ATM's have no fee's overseas | + | |
| - | * Overseas ATM fee is $5. | + | |
| - | * Apple Pay and Samsung Pay | + | |
| - | ==== Commonwealth Bank World Debit ==== | + | 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. |
| - | The [[https://commbank.com.au/worlddebit/|Commbank World Debit Mastercard ]] features: | + | ^ 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 | | ||
| - | * $10 Per Month Fee | + | ====NAB==== |
| - | * No overseas transaction fees | + | 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 currency conversion fees | + | |
| - | * No overseas ATM fees | + | |
| - | * x2 Airport Lounges annually (Mastercard Airport Experiences by Loungekey) | + | |
| - | * International Travel Insurance | + | |
| - | * Price Guarantee | + | |
| - | * Purchase Security | + | |
| - | * Extended Warranty | + | |
| - | * Apple Pay, Android Pay, Fitbit Pay, Garmin Pay | + | |
| - | * OSKO/PayID | + | |
| - | ==== CUA Everyday Snap Account ==== | + | ^ Credit/Debit ^ Product Name ^ Notes ^ Ethical Bank ? (MarketForce) ^ |
| - | + | | Debit Card | NAB Platinum Debit Card | $10 Monthly Fee, 1% Cashback, Insurances | NO | | |
| - | The [[https://www.cua.com.au/everyday-banking/everyday-accounts/cua-everyday-snap-account|CUA Everyday SNAP Account]]] features: | + | | Credit Card | StraightUP | $10/$15/$20 Per Month based on credit limit and if you use the card or not | NO | |
| - | * $0 Monthly Fee | + | |
| - | * No Overseas ATM fees | + | |
| - | * No currency conversion fees | + | |
| - | * No Overdrawn fees | + | |
| - | * Apple Pay, Google Pay, Samsung Pay | + | |
| - | * OSKO/PayID | + | |
| - | + | ||
| - | To get these benefits you must perform the following, then they will take effect the following month. | + | |
| - | + | ||
| - | * Deposit $2000 into the snap account | + | |
| - | * Perform x5 transactions on the debit card linked to the snap account | + | |
| - | + | ||
| - | ==== ING Orange Everyday ==== | + | |
| - | + | ||
| - | The [[https://www.ing.com.au/everyday-banking.html|Orange Everyday Card]] has the following features: | + | |
| - | + | ||
| - | * No international fees | + | |
| - | * No currency conversion fee | + | |
| - | * No international ATM fee | + | |
| - | * Apple Pay and Google Pay | + | |
| - | * OSKO/PayID | + | |
| - | + | ||
| - | To get these benefits you must perform the following, then they will take effect the following month. | + | |
| - | + | ||
| - | * Deposit $1000 into any of your ING accounts. | + | |
| - | * Perform x5 transactions on any of your ING debit or credit cards. | + | |
| - | + | ||
| - | ==== Macquarie Bank ==== | + | |
| - | + | ||
| - | The debit card linked to the [[http://www.macquarie.com/au/personal/bank-accounts/transaction|Macquarie Transaction Account]] features: | + | |
| - | + | ||
| - | * No overseas transaction fees on purchases. | + | |
| - | * No Macquarie fees for international ATM withdrawals (an ATM owner/operator fee may apply[as of 8/12/2017]) | + | |
| - | * No account keeping/monthly fees. | + | |
| - | * Refund at all Australian ATM's for withdrawals and balance request. | + | |
| - | * Apple Pay support | + | |
| - | * Google Pay support | + | |
| - | * Vastly superior internet banking and mobile app experience | + | |
| - | + | ||
| - | ====NAB Platinum Debit==== | + | |
| - | + | ||
| - | The [[https://www.nab.com.au/personal/accounts/debit-cards/nab-platinum-visa-debit-card|NAB Platinum Debit Card]] has the following features: | + | |
| - | + | ||
| - | Features: | + | |
| - | + | ||
| - | * $10 Per Month | + | |
| - | * 1% cashback on tap & go payments | + | |
| - | * No international fees | + | |
| - | * No currency conversion fees | + | |
| - | * $5 International ATM Fee | + | |
| - | * Travel Insurance | + | |
| - | * Purchase Protection | + | |
| - | * Extended Warranty | + | |
| - | * Price Protection | + | |
| - | * Apple Pay, Android Pay, Fitbit Pay, Garmin Pay | + | |
| - | * PayID/OSKO | + | |
| - | + | ||
| - | ====Revolut==== | + | |
| - | + | ||
| - | + | ||
| - | ==== UBank ==== | + | |
| - | + | ||
| - | The [[https://www.ubank.com.au/banking-overview/transaction-accounts|UBank Ultra]] has the following features: | + | |
| - | + | ||
| - | Features: | + | |
| - | * No international fees | + | |
| - | * No currency conversion fees | + | |
| - | * No international ATM fees (an ATM owner fee may apply) | + | |
| - | * No monthly fees | + | |
| - | * Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay | + | |
| - | ==== UP ==== | + | |
| - | + | ||
| - | The [[https://up.com.au/pricing/|UP Debit Card]] has the following features: | + | |
| - | + | ||
| - | * No currency conversion fee | + | |
| - | * No monthly / account keeping fee | + | |
| - | * $5 International ATM withdrawal fee | + | |
| - | * Bank@Post (unoffically supported) | + | |
| - | * Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay | + | |
| - | * OSKO/PayID | + | |
| - | + | ||
| - | ====Xinja==== | + | |
| - | + | ||
| - | + | ||
| - | ===== Credit Cards (Alphabetical Order) ===== | + | |
| - | + | ||
| - | ==== 28 Degrees Platinum MasterCard ==== | + | |
| - | + | ||
| - | 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. It now charges for ATM withdrawals. | + | |
| - | + | ||
| - | 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). | + | |
| - | * $30 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) | + | |
| - | + | ||
| - | ==== 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 | + | |
| - | + | ||
| - | ==== 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 55 days interest free on purchases when you pay your full balance off each month | + | |
| - | + | ||
| - | ==== Commonwealth Bank Low Fee Gold ==== | + | |
| - | + | ||
| - | The [[https://www.commbank.com.au/credit-cards/low-fee-gold.html?ei=lowfee_lfg|Commonwealth Bank Low Fee Gold Mastercard]] features: | + | |
| - | + | ||
| - | * $0 Annual Fee (1st year), $0 if you spend $10,000 per year after. | + | |
| - | * No international transaction fees | + | |
| - | * No currency conversion fees | + | |
| - | * International travel insurance | + | |
| - | * Extended warranty | + | |
| - | * Purchase security | + | |
| - | + | ||
| - | ==== ING Orange One ==== | + | |
| - | + | ||
| - | The [[https://www.ing.com.au/credit-cards.html|ING Orange One Credit Card]] has the following features: | + | |
| - | + | ||
| - | * No international fees | + | |
| - | * No currency conversion fee | + | |
| - | * Apple Pay ONLY | + | |
| - | * You must have a ING savings/transaction account or they will not issue you the credit card. | + | |
| - | * The credit card is automatically paid off each month from the linked transaction/savings account - you can't stop this. | + | |
| - | * If you get the Platinum card you get 1% cashback up to $30 per month ($3000 spend each month) | + | |
| - | + | ||
| - | To get these benefits you must perform the following, then they will take effect the following month. | + | |
| - | + | ||
| - | * Deposit $1000 into any of your ING accounts. | + | |
| - | * Perform x5 transactions on any of your ING debit or credit cards. | + | |
| - | + | ||
| - | ==== Macquarie Bank RateSaver ==== | + | |
| - | + | ||
| - | The [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Bank RateSaver Credit Card]] features: | + | |
| - | + | ||
| - | * No International Transaction fee | + | |
| - | * $69 Annual Fee | + | |
| - | + | ||
| - | ==== Macquarie Bank Platinum Cards ==== | + | |
| - | + | ||
| - | The [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Bank Platinum Credit Cards]] features: | + | |
| - | + | ||
| - | * No International Transaction fees. | + | |
| - | * Platinum Cards = $99 first year then $199 to $249 after that. | + | |
| - | * Travel insurance. | + | |
| - | + | ||
| - | ==== Macquarie Bank Black Cards==== | + | |
| - | + | ||
| - | The [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Bank Black Credit Cards]] features: | + | |
| - | + | ||
| - | * No International Transaction fees. | + | |
| - | * Black Cards = $99 First Year then $249 to $299 after that. | + | |
| - | * Travel Insurance. | + | |
| - | + | ||
| - | ==== Westpac Lite Card ==== | + | |
| - | + | ||
| - | The [[https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/westpac-lite-card/|Westpac Lite Card]] features: | + | |
| - | + | ||
| - | * No overseas transaction fees on purchases overseas (including online) | + | |
| - | * Free additional cardholder | + | |
| - | * $9/mth fee ($108/year) | + | |
Last edited by kipps on 2024/03/04 11:52