There are very few cards on the market that have no overseas transaction 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 Canstar.com.au

On the credit card search you will need to select their filter that shows cards with 0% currency conversion fee. On the debit card search you will need to click the 'More Info' tab and sort cards that have a 0% currency conversion fee.

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.

You can read in more detail in the breakdowns below.

• Commbank World Debit Card
• Commbank Low Fee Gold Mastercard

For those of you that have shares, Commbank also has Commsec to manage your share portfolio.

• ING Orange Everyday Debit Card
• ING Orange One Mastercard
• ING Orange One Platinum Mastercard

• Macquarie Debit Card
• Macquarie Platinum Debit Card
• Macquarie Rate Saver Visa
• Macquarie Platinum Visa
• Macquarie Black Visa

For those of you that have shares, Macquarie also has Macquarie Online Trading to manage your share portfolio.

The Citibank Plus Debit Card has the following features:

• No International Fees
• No currency conversion fees
• No monthly fee's
• Citibank ATM's have no fee's overseas
• Overseas ATM fee is $5.
• Apple Pay and Samsung Pay

The Commbank World Debit Mastercard features:

• $10 Per Month Fee
• No overseas transaction fees
• 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

The CUA Everyday SNAP Account] features:

• $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

The 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.

The debit card linked to the 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

The 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

The 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

The 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

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 28 Degrees Platinum MasterCard features:

• No annual fee.
• No currency conversion fees with market rates set by 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)

The 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

The 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.

The 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

The 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

The 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

The 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.

The Macquarie Bank RateSaver Credit Card features:

• No International Transaction fee
• $69 Annual Fee

The Macquarie Bank Platinum Credit Cards features:

• No International Transaction fees.
• Platinum Cards = $99 first year then $199 to $249 after that.
• Travel insurance.

The Macquarie Bank Black Credit Cards features:

• No International Transaction fees.
• Black Cards = $99 First Year then $249 to $299 after that.
• Travel Insurance.

The Westpac Lite Card features:

• No overseas transaction fees on purchases overseas (including online)
• Free additional cardholder
• $9/mth fee ($108/year)