[[cards_with_no_overseas_transaction_fees]]
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This wiki breaks down all the credit and debit cards available in Australia that don't charge you international fees.
Credit Cards with No Overseas Transaction Fees
| Bank | Product Name | Annual/Monthly Fee | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ANZ | Rewards Travel Adventures | $225 | $65 | 1.5 ANZ Rewards Points per $1 up to $2000 per month, then 0.5 | x2 Virgin Australia Domestic Passes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days |
| Bankwest | Breeze Platinum | $99 ($49 in 1st year) | $0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 55 Days |
| Bankwest | More Platinum | $160 | $0 | 2 Bankwest points per $1 | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 44 Days |
| Bankwest | More World Platinum | $270 | $0 | 2.5 Bankwest points per $1 | 10 Passes per year (LoungeKey) | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 44 Days |
| Bankwest | QANTAS Platinum | $160 | $0 | 0.75 QANTAS points per $1 up to $2500, then 0.3 | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 44 Days |
| Bankwest | QANTAS World Platinum | $270 | $0 | 1 QANTAS points per $1 up to $5000, then 0.5 | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 44 Days |
| Bankwest | Zero Platinum | $0 | $0 | - | - | Yes | Yes | Yes | Yes | Yes | Yes | - | - | 55 Days |
| Coles | Rewards Mastercard | $99 | $0 | 2 Flybuys points per $1 | - | Yes | Yes | Yes | Yes | Yes | - | - | - | 55 Days |
| Commonwealth Bank | Low Fee Gold | $0 with $10,000 annual spend, otherwise $89 | $0 | - | - | Yes | Yes | - | Yes | Yes | Yes | Yes | Yes | 55 Days |
| Commonwealth Bank | Ultimate Awards | $0 with $2500 monthly statement spend, otherwise $35 per month | $0 | *3 Commbank Award Points for International Spend ,*2 Commbank Award Points for Grocery/Petrol, *1 Point for everything else | LoungeKey Access at a cost | Yes | - | Yes | - | Yes | Yes | Yes | Yes | 55 Days |
| HSBC | Low Rate | $99 | $0 | - | - | - | - | - | - | Yes | Yes | - | - | 55 Days |
| ING | Orange One | $0 | $10 | - | - | - | - | - | - | Yes | - | - | - | 44 Days |
| ING | Orange One Platinum | $149 | $10 | 1% Cashback up to $3000 spend per month | - | Yes | - | - | - | Yes | - | - | - | 44 Days |
| Latitude Finance | 28 Degrees | $0 | $0 | - | - | - | - | - | - | Yes | Yes | Yes | Yes | 55 Days |
| Macquarie Bank | Black | $149 | $0 | 2 Macquarie Points per $1. Or 1 QANTAS Point per $1 up to $4000 then 0.5 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days |
| Macquarie Bank | Platinum | $99 | $0 | 1.25 Macquarie Points per $1. Or 1 QANTAS Point per $1 up to $1000 then 0.5 | - | Yes | - | Yes | Yes | Yes | Yes | Yes | Yes | 55 Days |
| Macquarie Bank | Rate Saver | $69 | $0 | - | - | - | - | - | - | Yes | Yes | Yes | Yes | 55 Days |
| Westpac | Lite | $108 | $0 | - | - | - | - | - | - | Yes | Yes | Yes | Yes | 45 Days |
Debit Cards with No Overseas Transaction Fees
| Bank | Product Name | Monthly Fee | Joint Accounts | OSKO & PayID | Cash Back | 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 Pay | Fitbit Pay | Garmin Pay | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 86400 | Pay Account | $0 | Yes (Pilot) | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - |
| Citibank | Plus Transaction Account | $0 | Yes | - | - | Yes | - | - | - | - | - | $0 | Citibank Only | Yes | - | - | - | - |
| Commonwealth Bank | World Debit Card | $10 | Yes | Yes | - | Yes | Yes | Yes | Yes | Yes | x2 LoungeKey passes annually | $0 | - | Yes | Yes | Yes | Yes | PRODUCT BEING TRAILED, INVITE ONLY |
| CUA | SNAP Transaction Account | $0 | Yes | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | - | - | Deposit $2000 per month + 5 transactions |
| HSBC | Everyday Global | $0 | Yes | - | 2% tap and pay under $100 | Yes | - | - | - | - | - | $0 | HSBC Only. Excluding HSBC ATM's in Argentina, Brazil, Malta, Mexico, New Zealand, France | Yes | Yes | - | - | Deposit $2000 per month |
| ING | Orange Everyday | $0 | Yes | Yes | - | Yes | - | - | - | - | - | $0 | Yes | Yes | Yes | - | - | Deposit $1000 per month + 5 Transactions |
| ING | Youth Everyday | $0 | Yes | Yes | - | Yes | - | - | - | - | - | $0 | Yes | Yes | Yes | - | - | Restricted to 15, 16 and 17 year olds |
| Macquarie | Transaction | $0 | Yes | Yes | - | - | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - |
| NAB | Platinum Debit | $10 | Yes | Yes | 1% on contactless purchases | Yes | Yes | Yes | Yes | Yes | - | $5 | - | Yes | Yes | Yes | Yes | - |
| UBank | Ultra Transaction | $0 | Yes | - | - | - | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - |
| Revolut | Standard | $0 | - | - | - | - | - | - | - | - | - | $0 up to $350 per month | - | - | - | - | - | Revolut is a prepaid account |
| Revolut | Premium | $10.99 | - | - | - | - | - | - | - | - | passes available to purchase | $0 up to $700 per month | - | - | - | - | - | Revolut is prepaid account |
| Transferwise | Boarderless Account | $0 | - | - | - | - | - | - | - | - | - | $0 up to $350 every 30 days | - | Yes | Yes | - | - | Transferwise is a prepaid account. $2000 limit on Apple Pay. $3500 limit on Google Pay |
| UP | Transaction Account | $0 | - | Yes | - | Yes | - | - | - | - | - | $0 | - | Yes | Yes | Yes | Yes | - |
| Xinja | Bank Account | $0 | - | - | - | - | - | - | - | - | - | $0 | - | Yes | Yes | - | - | - |
Banks That Offer Both Debit and Credit Cards with No International Transaction Fees
For those people that like to have all their banking under the one roof see the banks listed below. You can reference the tables above for more information
Commonwealth Bank
Please note that Commonwealth Bank will waive the annual fees on most (not all) of their credit cards if you have a mortgage with them under one of their 'Wealth Package' mortgages. They are also waived if you meet the minimum spend requirements through the card each month/year. Commbank also have share trading available through Commsec, so for those of you that also want to manage your investments through the same bank this is something to consider.
| Credit/Debit | Product Name | Notes |
|---|---|---|
| Debit Card | World Debit Card | PRODUCT BEING TRIALED, INVITE ONLY |
| Credit Card | Low Fee Gold Mastercard | $0 if you spend $10,000 per year, otherwise $89 annually |
| Credit Card | Ultimate Awards Mastercard | $0 if you spend $2500 per statement period, otherwise $35 monthly |
HSBC
HSBC Everyday Global has 2% cash back on payments under $100. To get this you need to deposit $2000 per month.
| Credit/Debit | Product Name | Notes |
|---|---|---|
| Debit Card | Everyday Global | $2000 deposit each month for 2% cash back |
| Credit Card | Low Rate | $99 Annual Fee |
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 cards do not support Google Pay, however their debit cards do. Their credit card 'AutoPay' feature does not work on joint savings account.
| Credit/Debit | Product Name | Notes |
|---|---|---|
| Debit Card | Orange Everyday Debit Card | Monthly $1000 deposit + 5 transactions |
| Debit Card | Youth Everyday Debit Card | Limited to 15, 16, 17 Year Olds |
| Credit Card | Orange One Mastercard | $0 Annual Fee |
| Credit Card | Orange One Platinum Mastercard | $149 Annual Fee |
Macquarie Bank
Macquarie bank offer 2 different point earning abilities on their Platinum and Black Visa, you can select either QANTAS points or Macquaire Points. Macquaire bank also have share trading available, so for those of you wanting to also manage your shares under the one platform this is something to consider.
| Credit/Debit | Product Name | Notes |
|---|---|---|
| Debit Card | Transaction Debit Card | |
| Credit Card | Platinum Visa (Macquarie or Qantas Points) | $99 Annual Fee |
| Credit Card | Black Visa (Macquarie or Qantas Points) | $149 Annual Fee |