[[cards_with_no_overseas_transaction_fees]]

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cards_with_no_overseas_transaction_fees [2019/12/04 13:59]
navarch [Citibank Plus]
cards_with_no_overseas_transaction_fees [2025/06/30 16:57] (current)
miked Bankwest Qantas Platinum A/fee change and removal of Qantas transation account
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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 at Marketforces [[https://www.marketforces.org.au/info/compare-bank-table/|here]]
  
-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.+====== Visa &ampMastercard ======
  
-You can read in more detail in the breakdowns below.+Visa and Mastercard are the payment networks which allows banks to process credit and debit cards transactions. So even though your bank is the card issuer (which is linked to a local bank account), Visa and Mastercard allow them to use their networks for the payments to happen.
  
-==== Commonwealth Bank ====+Mastercard is more popular in Australia due to its discounts, specials and rewards; however, Visa is the largest payment network globally.
  
-  * [[https://www.commbank.com.au/banking/world-debit-mastercard.html|Commbank World Debit Card]] +It's advisable when travelling overseas that you consider having both a Visa and Mastercard issued credit or debit card on you, just in case a merchant doesn't accept either Visa or Mastercard.
-  * [[https://www.commbank.com.au/credit-cards/low-fee-gold.html?ei=lowfee_lfg_tellmemore|Commbank Low Fee Gold Mastercard]]+
  
-For those of you that have shares, Commbank also has Commsec to manage your share portfolio.+===== Mastercard =====
  
-==== ING Direct ====+If you transact in a foreign currency that is not USD, Mastercard will first convert the amount to USD and then back into AUD. You can use Mastercard's exchange calculator [[https://www.mastercard.com/global/en/personal/get-support/convert-currency.html|here]].
  
-  * [[https://www.ing.com.au/everyday-banking.html|ING Orange Everyday Debit Card]] +===== Visa =====
-  * [[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 ====+Visa's exchange rates in USD generally match Mastercard's rate. However on other currency they generally have a very slight advantage as they don't convert to USD and then to AUD like Mastercard does. You can use Visa's exchange calculator [[https://www.visa.com.au/support/consumer/travel-support/exchange-rate-calculator.html|here]].
  
-  * [[https://www.macquarie.com/au/personal/bank-accounts/transaction|Macquarie Debit Card]] +====== eftpos ======
-  * [[https://www.macquarie.com/au/personal/bank-accounts/transaction/platinum|Macquarie Platinum Debit Card]] +
-  * [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Rate Saver Visa]] +
-  * [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Platinum Visa]] +
-  * [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Black Visa]]+
  
-For those of you that have sharesMacquarie also has Macquarie Online Trading to manage your share portfolio.+eftpos is the local Australian payment networkand payments made via the Savings (SAV) & Cheque (CHQ) options on the terminal will be processed in real-time via eftpos. The payment network is available on eftpos payment cards and most dual-network Mastercard/Visa debit cards.
  
-===== Debit Cards (Alphabetical Order=====+Withdrawing cash (Cash Outfrom your account when at a terminal is also available at some merchants via the Savings (SAV) & Cheque (CHQ) options. Some merchants also charge less or no payment fees (Surcharge) when making a payment through the eftpos network, due to it being a cheaper payment method (lower cost of acceptance for the merchant).
  
-==== Citibank Plus ====+Some dual-network Mastercard/Visa debit cards can also use the eftpos network via the contactless payment method on a smartphone. Depending on the card issuer, this payment option may be enabled/disabled through the corresponding digital wallet that the card has been added to.
  
-The [[http://citibank.com.au/aus/banking/everyday_banking/citibank_plus.htm|Citibank Plus Debit Card]] has the following features:+eftpos is available in Australia only and is not related to 'Eftpos' in New ZealandWhile eftpos can't be used overseas, it may influence your choice of Mastercard/Visa debit card, as not all Mastercard/Visa issued debit cards are dual-network with eftpos. 
 +====== Dynamic Currency Conversion (DCC) ======
  
-  * No International Fees +If you have a card with no international transaction fees, it's advisable to avoid using DCC if it's offered to you.
-  * No currency conversion fees +
-  * No monthly fee's +
-  * No Overseas ATM feesCustomers may be charged by the third party provider +
-  * Apple Pay and Samsung Pay+
  
-==== Commonwealth Bank World Debit ====+DCC is sold as a service for travellers because you don’t need to understand the exchange rate to know what a transaction is costing you. However, it will almost always result in paying extra compared to paying in the local currency, as DCC comes with the risk of hidden fees and a poor exchange rate in the amount.
  
-The [[https://commbank.com.au/worlddebit/|Commbank World Debit Mastercard ]] features:+DCC occurs when you’re prompted if you like to be charged in the local currency or Australian Dollars (AUD).  
 +The three places you will likely see DCC being used is via PayPal, foreign ATMs and foreign merchant terminalsHowever, you may find this prompt in other places while travelling overseas.
  
-  * $10 Per Month Fee +If you have a card with no international transaction fees, you will likely always be ahead if you select 'pay in local currency' which will process the payment via Visa or Mastercard's exchange rate. This is almost always better than the rate an overseas ATM or merchant will give you via their DCC offering.
-  * 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+
  
-==== CUA Everyday Snap Account ====+====== International ATM's ======
  
-The [[https://www.cua.com.au/everyday-banking/everyday-accounts/cua-everyday-snap-account|CUA Everyday SNAP Account]]] features: +The Whirlpool wiki keeps a pretty up-to-date list of international ATM networks and their fees which is available [[https://whirlpool.net.au/wiki/international_atms|here]].
-  * $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.+====== Credit Cards - Joint vs Additional Card Holders ======
  
-  * Deposit $2000 into the snap account +A joint credit card is different to a credit card that has a nominated additional cardholder (or cardholders).
-  * Perform x5 transactions on the debit card linked to the snap account+
  
-==== ING Orange Everyday ====+Joint credit cards are held in the name of two people. Both of these people will need to apply and be approved for it, and they will be jointly responsible for paying off any debts incurred. Generally, each person will receive a credit card with a unique number (like a debit card).
  
-The [[https://www.ing.com.au/everyday-banking.html|Orange Everyday Card]] has the following features:+Additional cardholders also receive a physical credit card and are able to use it with few or no restrictions, but they do not carry any liability for the debt of the card. The primary cardholder is responsible for paying the debt (including any spending made by the additional cardholder)Depending on the financial institution, the additional card holder may have a card with the exact same number as the primary card holder, whereas others will provide a unique number.
  
-  * No international fees +====== Credit Cards with No International Transaction 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.+|**Bank** ^ Product Name ^ Annual/Monthly Fee ^ Visa/Mastercard ^ Joint Accounts ^  Additional Card Holder ^ Reward Points/Cash Back ^ Airport Lounge ^ Travel Insurance ^ Price Guarantee ^ Purchase Security ^ Extended Warranty ^ Apple Pay ^ Google Pay ^ Garmin Pay ^ Interest Free Period ^ Notes ^ 
 +^ Bankfirst | Classic | $0 | Visa | ❌ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ❌ | 55 Days | International transaction fee waiver only applies if you have a home loan with Bankfirst. | 
 +^ Bankfirst | Platinum | $99 | Visa | ❌ | ✔️ | ❌ | ❌ | ✔️ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ❌ | 55 Days | - | 
 +^ Bankwest | Breeze Platinum | $59 | Mastercard | ❌ | ✔️ | ❌ | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 55 Days | - | 
 +^ Bankwest | More Platinum | $160 | Mastercard | ❌ | ✔️ | 2 Bankwest points per $1 | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 44 Days | - | 
 +^ Bankwest | More World Platinum | $270 | Mastercard | ❌ | ✔️ | 2.5 Bankwest points per $1 | x10 passes per year. | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 44 Days | - | 
 +^ Bankwest | Qantas Platinum | $199 | Mastercard | ❌ | ✔️ | 0.6 QANTAS points per $1 up to $2500, then 0.3 | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 44 Days | - | 
 +^ Bankwest | Qantas World Platinum | $320 | Mastercard | ❌ | ✔️ | 1 QANTAS points per $1 up to $5000, then 0.5 | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 44 Days | - | 
 +^ Bankwest | Zero Platinum | $0 | Mastercard | ❌ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ✔️ | 55 Days | - | 
 +^ Bendigo Bank | Ready | $0 | Mastercard | ✔️ | ✔️ | ❌ | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 55 Days | Currently the only zero international fee credit card with insurances and the option of a joint account. BSB/Account number available for the credit card, so you can do fast money transfers onto the card, no need to pay via BPAY. | 
 +^ Commonwealth Bank | Smart Awards | $0 with $2000 monthly statement spend, otherwise $19/month. | Mastercard | ❌ | ✔️ | 1.5 Commbank Award Points for grocery/petrol, 1 Point for everything else, up to $5,000, then 0.5. Option to earn Qantas Points instead of CommBank Award Points for $90. | Access to lounges at additional cost. | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 44 Days | - | 
 +^ Commonwealth Bank | Ultimate Awards | $0 with $4000 monthly statement spend, otherwise $35/month. | Mastercard | ❌ | ✔️ | 3 Commbank Award Points for International Spend, 2 Commbank Award Points for grocery/petrol, 1 Point for everything else, up to $10,000, then 0.5. Option to earn Qantas Points instead of CommBank Award Points for $90. | x2 passes per year. | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 44 Days | - | 
 +^ Commonwealth Bank | Neo | $12/$18/$22 each month based on credit limit. | Mastercard | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ✔️ | No interest charged. | Monthly fee is charged if you use the card. If you don't use the card then no monthly fee applies. No additional card holder function available. | 
 +^ HSBC | Low Rate | $99 | Visa | ❌ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ✔️ | ✔️ | - | 55 Days | - | 
 +^ Humm90 | Platinum Mastercard | $9.95/month | Mastercard | ❌ | ✔️ - $10 per year | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ✔️ | ✔️ | - | 110 Days | - | 
 +^ ING | Orange One Low Rate | $48 | Visa | ❌ |✔️ - $10 | ❌ | ❌ | Yes - If credit limit is $6000 or more. | ❌ | ❌ | ❌ | ✔️ | ✔️ | ❌ | 44 Days | Deposit $1000 + x5 transactions across ING debit or credit card or hold an ING home loan. | 
 +^ ING | Orange One Platinum | $149 | Visa | ❌ | ✔️ - $10 | 1% cashback up to $3000 spend per month. | ❌ | ✔️ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ❌ | 44 Days | Deposit $1000 + x5 transactions across ING debit or credit card, or hold an ING home loan. | 
 +^ Latitude Finance | 28 Degrees | $8/month | Mastercard| ❌ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ✔️ | 55 Days | Charges at least $0.95 for each BPay payment. | 
 +^ Macquarie Bank | Black | $249 | Visa | ❌ | ✔️ | 2 Macquarie Points per $1 | ❌ | ✔️ | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 55 Days | Applications restricted to Macquarie Bank home loan customers. | 
 +^ Macquarie Bank | Platinum | $99 | Visa | ❌ | ✔️ | 1.25 Macquarie Points per $1 | ❌ | ✔️ | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 55 Days | Applications restricted to Macquarie Bank home loan customers. | 
 +^ Macquarie Bank | Rate Saver | $69 | Visa | ❌ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ✔️ | 55 Days | Applications restricted to Macquarie Bank home loan customers. | 
 +^ NAB | Rewards Signature | $0 with $5,000 monthly statement spend, otherwise $35/month. | Visa | ❌ | ✔️ | 1.5 NAB Rewards points for every $1 spent up to and including $15,000 in a statement period, then 0.5 points | ❌ | ✔️ | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | 44 Days | - | 
 +^ Westpac | Lite | $9/month | Mastercard | ❌ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ✔️ | 45 Days | - | 
 +^ Westpac | Flex | $0 ($10/month if not paid in full on time) | Mastercard | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ✔️ | ✔️ | ✔️ | ? | Credit limit $1,000 (fixed). Existing customers with salary paid to Westpac account only. Unclear if card has a credit card BIN number. No cash advances|
  
-  * Deposit $1000 into any of your ING accounts. +====== Debit Cards with No International Transaction Fees ======
-  * Perform x5 transactions on any of your ING debit or credit cards.+
  
-==== Macquarie Bank ====+|**Bank** ^ Product Name ^ Monthly Fee ^ Card Colour Options ^ Visa/Mastercard ^ Joint/Shared Accounts ^ eftpos ^ Bank@Post ^ International ATM Withdrawal Fee ^ Rebate International ATM Operator Fee ^ Apple Pay ^ Google Wallet ^ Samsung Wallet ^ Garmin Pay ^ Notes ^ 
 +^ AMP | Everyday Transaction | $0 | ❌ | Mastercard | Coming Soon | ✔️ | ✔️ | $0 | ❌ | ✔️ | ✔️ | ❌ | ❌ | This product is on AMP's new banking platform and is only accessible via their Android and iOS app (internet banking via web browser not available). | 
 +^ Bankfirst | Visa Debit | $0 | ❌ | Visa | ✔️ | ✔️ | ✔️ | $2.50 | ❌ | ✔️ | ✔️ | ✔️ | ❌ | International transaction fee waiver only applies if you have a home loan with Bankfirst. | 
 +^ Bankwest | Easy Transaction | $0 | ✔️ | Mastercard | ✔️ | ✔️ | ✔️ | $0 | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | Bankwest customers can deposit cash and cheques at CommBank ATMs. | 
 +^ Great Southern Bank | Everyday Edge Account | $0 | ❌ | Visa | ✔️ | ✔️ | ✔️ | $4.50 - Rebated if eligible criteria met. | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | Deposit $2000 + 5 eligible card purchases in the current month. The rebate is applied on the first day of the next month. | 
 +^ HSBC | Everyday Global | $0 | ❌ | Visa | ✔️ | ❌ | ❌ | $0 | HSBC ATM's only. Excluding HSBC ATM's in Argentina, France, Greece, Malta, Mexico and Turkey. | ✔️ | ✔️ | ❌ | ❌ | 2% cash back on eligible contactless purchases under $100, up to a maximum $50 cash back each month (AUD only). For 'Everyday Extras' you must deposit $2000 per month. HSBC pulled out of Bank@Post on 11th April 2024. | 
 +^ ING | Orange Everyday | $0 | ❌ | Visa | ✔️ | ✔️ | ✔️ | $5.00 - First 5 ATM withdrawals per month (domestic or international) rebated if eligible criteria met. | ❌ | ✔️ | ✔️ | ❌ | ❌ | Deposit $1000 per month and make 5 eligible transactions or hold an ING home loan. | 
 +^ Macquarie | Transaction | $0 | ❌ | Mastercard | ✔️ | ❌ | ❌ | $0 | ❌ | ✔️ | ✔️ | ❌ | ❌ | No eftpos or Bank@Post functionality. | 
 +^ ME Bank | SpendME | $0 | ✔️ - 1¢ is donated to the charity linked to each card colour for every transaction performed. | Visa | ✔️ | ✔️ | ✔️ | $0 | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | x5 different debit card colours are linked to different charities. 1¢ is donated every time you make a purchase on your card. https://www.mebank.com.au/banking/charity-transaction-accounts/ | 
 +^ NAB | Platinum Debit | $10 | ❌ | Visa | ✔️ | ✔️ | ✔️ | $5 | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | 1% cash back on eligible contactless purchases, up to a maximum $10 cash back each month (AUD only). | 
 +^ Suncorp Bank | Everyday Options | $0 | ❌ | Visa | ✔️ | ✔️ | ✔️ | $0 | ❌ | ✔️ | ✔️ | ✔️ | ❌ | Suncorp Bank has been acquired by ANZ. Suncorp Bank customers will be migrated onto the ANZ Plus app in future. https://www.bankingday.com/anz-plus-hitting-its-straps | 
 +^ :ubank | Spend Account | $0 | ✔️ - Shared and Bills accounts have different card colour. | Visa | ✔️ | ✔️ | ❌ | $0 | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | ubank have an additional digital only 'Bills Account' for individual and shared accounts. | 
 +^ Up | Transaction Account | $0 | ✔️ - Joint account has a different card colour. | Mastercard | ✔️ - $10 order fee for physical cards. Each need to have active individual transaction accounts in order to have a joint account (can't close individual transaction accounts after opening a joint account). | ✔️ | ✔️ | $0 | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | Up can only be accessed via an Android and iOS app (no support for internet banking via web browser). 2Up joint accounts can only be used if each individual's Up transaction account is active. Up has integration with Wise for international money transfers. | 
 +====== Pre-Paid Debit Cards with No Overseas Transaction Fees ======
  
-The debit card linked to the [[http://www.macquarie.com/au/personal/bank-accounts/transaction|Macquarie Transaction Account]] features: +|**Payment Provider** ^ Product Name ^ Monthly Fee ^ Visa Mastercard ^ Airport Lounge Access ^ Overseas ATM Withdrawal Fee ^ Rebate Overseas ATM Operator Fee ^ Apple Pay Google Wallet ^ Samsung Wallet ^ Garmin Pay ^ Notes ^ 
- +^ Hay | Prepaid | $Visa | - | $0 up to $500 per month1.5% for amounts over $500| ❌ | ✔️ | ✔️ | ✔️ | ❌ | | 
-  No overseas transaction fees on purchases. +^ Revolut | Standard | $0 | Visa - | $up to $350 per month| ❌ | ✔️ | ✔️ | ✔️ | ✔️ | Free physical card (excluding deliveryand no fee for 1st virtual Visa card. | 
-  No Macquarie fees for international ATM withdrawals (an ATM owner/operator fee may apply[as of 8/12/2017]) +^ Revolut | Premium | $10.99 | Visa | Passes are available to purchase. Free passes if flight is delayed for >1 hour. | $up to $700 per month. | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | - | 
-  No account keeping/monthly fees. +^ Revolut | Metal | $24.99 | Visa | Passes are available to purchase. Free passes if flight is delayed for >1 hour| $0 up to $1400 per month. | ❌ | ✔️ | ✔️ | ✔️ | ✔️ | - | 
-  Refund at all Australian ATM's for withdrawals and balance request. +^ Wise | Multi Currency Account | $0 | Visa | - | $0 up to $350 per month| ❌ | ✔️ | ✔️ | ✔️ | ✔️ | $10 order fee for physical cards and free virtual Visa cards. Wise has integration with 'Up' for international money transfers. |
-  * 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 PayGoogle 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.au28 Degrees Platinum MasterCard]] features: +
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-        * 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 BPAYwhich 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) +
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-==== ANZ Rewards Travel Adventures Visa ==== +
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-The [[https://www.anz.com.au/personal/credit-cards/rewards/travel-adventures/|ANZ Rewards Travel Adventures Card]] features: +
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-  * 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 +
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-==== Bankwest Zero Platinum MasterCard ==== +
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-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. +
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-Features: +
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-        * 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. +
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-==== Bankwest Qantas Platinum Mastercard ==== +
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-The [[http://www.bankwest.com.au/personal/credit-cards/compare-credit-cards/more-mastercard-rewards-qantas-credit-cards|Bankwest Qantas Platinum Card]] features: +
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-  * 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 +
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-==== Coles Rewards MasterCard ==== +
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-The [[https://financialservices.coles.com.au/credit-cards/rewards-mastercard|Coles Rewards MasterCard]] features: +
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-  * 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 +
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-==== Commonwealth Bank Low Fee Gold ==== +
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-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 ==== +
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-The [[https://www.ing.com.au/credit-cards.html|ING Orange One Credit Card]] has the following features: +
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-  * 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) +
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-To get these benefits you must perform the following, then they will take effect the following month. +
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-  * Deposit $1000 into any of your ING accounts. +
-  * Perform x5 transactions on any of your ING debit or credit cards. +
- +
-==== Macquarie Bank RateSaver ==== +
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-The [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Bank RateSaver Credit Card]] features: +
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-  * No International Transaction fee +
-  * $69 Annual Fee +
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-==== Macquarie Bank Platinum Cards ==== +
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-The [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Bank Platinum Credit Cards]] features: +
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-  * No International Transaction fees. +
-  * Platinum Cards = $99 first year then $199 to $249 after that. +
-  * Travel insurance. +
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-==== Macquarie Bank Black Cards==== +
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-The [[https://www.macquarie.com/au/personal/credit-cards/compare-credit-cards|Macquarie Bank Black Credit Cards]] features: +
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-  * No International Transaction fees. +
-  * Black Cards = $99 First Year then $249 to $299 after that. +
-  * Travel Insurance. +
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-==== Westpac Lite Card ==== +
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-The [[https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/westpac-lite-card/|Westpac Lite Card]] features: +
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-  * No overseas transaction fees on purchases overseas (including online) +
-  * Free additional cardholder +
-  * $9/mth fee ($108/year)+