What is the best travel card for Australians?
It depends on individual preferences, travel habits, and financial needs. However, several travel cards are popular among Australians for their features, benefits, and cost-effectiveness. Here are a few options worth considering:28 Degrees Platinum Mastercard, ANZ Rewards Travel Adventures Card, TransferWise Debit Card, Citibank Plus Transaction Account, NAB Traveller Card, Qantas Travel Money Card.
Which credit cards are best for international travels?
For traveling overseas, the best credit cards typically offer a combination of travel rewards, low or no foreign transaction fees, travel insurance, and other travel-related perks.
Here are some top options:
1. American Express Platinum Card
2. Citi Prestige Card
3. ANZ Travel Adventures Card
4. Westpac Altitude Black Credit Card
5. 28 Degrees Platinum Mastercard
6. Bankwest Zero Platinum Mastercard
How much will I be charged for withdrawing money from ATMs overseas?
The charges for withdrawing money from an ATM overseas for Australians can vary depending on the financial institution and the type of card being used. Here are some typical fees you might encounter:
- Foreign ATM withdrawal fee - many Australian banks charge a fee for using ATMs overseas. This fee typically ranges from $2 to $5 AUD per withdrawal. Some banks may waive this fee for specific accounts or transactions.
- Currency conversion fee - when you withdraw money in a currency other than Australian dollars, you may be subject to a currency conversion fee. This fee is usually a percentage of the transaction amount, typically around 2% to 3% of the total value of the withdrawal.
- ATM operator fee - in addition to the fees charged by your own bank, the ATM operator may also impose a fee for using their machine. This fee varies depending on the ATM and location, but it's typically displayed on the screen before completing the transaction.
- Cash advance fee - if you're using a credit card to withdraw cash from an ATM overseas, you may be subject to a cash advance fee. This fee is typically a percentage of the transaction amount, usually around 2% to 4% of the total value of the withdrawal, with a minimum fee amount.
- Interest charges - if you're using a credit card for cash withdrawals, interest charges may apply immediately, as cash advances typically do not have an interest-free period. The interest rate for cash advances is often higher than the standard purchase interest rate.
You can also place free funds on a savings account.
Calculate your future income on a savings account (example):
| Amount, $ | Rate, % | Accrued %, $ |
| 25,000 | 3.65% | 913 |
| 25,000 | 3.70% | 925 |
| 25,000 | 3.75% | 938 |
| 60,000 | 3.80% | 2,280 |
| 60,000 | 3.85% | 2,310 |
| 60,000 | 3.90% | 2,340 |
| 120,000 | 3.95% | 4,740 |
| 120,000 | 4.00% | 4,800 |
| 120,000 | 4.05% | 4,860 |
| 240,000 | 4.10% | 9,840 |
| 240,000 | 4.15% | 9,960 |
| 240,000 | 4.20% | 10,080 |
You can make more detailed calculations using the financial calculators on our website.
What credit cards are linked to Flybuys?
Coles offers several credit card options that allow you to earn Flybuys points on your everyday spending:
1. Coles No Annual Fee Mastercard
2. Coles Rewards Mastercard
3. Coles Platinum Mastercard
Depending on the card, you can also enjoy additional benefits like complimentary travel insurance, purchase protection, and no international transaction fees.
Is credit card travel insurance enough?
Credit card travel insurance in Australia can be sufficient for many travelers, but its adequacy depends on several factors, including the specific coverage offered by the card, the nature of your trip, and your personal needs.
So free insurance usually includes:
- Reimbursement for non-refundable expenses if your trip is canceled or interrupted due to covered reasons.
- Compensation for lost, stolen, or delayed baggage.
- Coverage for additional expenses incurred due to travel delays.
- Protection against liability for injury or damage you cause to others.
Note that credit card travel insurance may have limitations such as:
- Pre-Existing Medical Conditions
- Coverage Limits
- Trip Length
- Age Restrictions
- Activation Requirements
How do I get free airport lounge access?
Free airport lounge access in Australia can be obtained through various means, including credit card benefits, frequent flyer programs, and certain memberships:
- Credit Card Benefits - many premium credit cards offer complimentary airport lounge access as part of their benefits package
- Frequent Flyer Programs - Qantas Frequent Flyer, Velocity Frequent Flyer
- Airline Lounge Memberships - Qantas Club, Virgin Australia Lounge
- Priority Pass Membership - offers access to over 1,200 international airports lounges worldwide
- Business or First Class Tickets
- Other Membership Programs
See the similar FAQ about Australian banks:
- How do I order a new NAB card?
- How do I order a new card at St. George Bank?
- How do I order a new card at Commbank?
- How do I pay bills via BPAY at Bankwest?
- How do I use mobile pay at Bankwest?
Details of companies offering the financial services:
ANZ Bank
Head office’s address: 833 Collins Street
Contact center: 13-13-14
Phone: 61-3-9683-9999
Mail address: 833 Collins Street Docklands, Melbourne
Web-site: http://www.anz.com
Swift code: ANZBAU3M
Financial institution code: ANZ
Stock code: ANZ
ABN: 11 005 357 522
BSB: 015-891
ANZ Bank
Head office’s address: 833 Collins Street
Contact center: 13-13-14
Phone: 61-3-9683-9999
Mail address: 833 Collins Street Docklands, Melbourne
Web-site: http://www.anz.com
Swift code: ANZBAU3M
Financial institution code: ANZ
Stock code: ANZ
ABN: 11 005 357 522
BSB: 015-891
Bank Australia
Head office’s address: 222 High Street
Contact center: 61-132888
Phone: 61-3-9854-4666
Mail address: Bank Australia Locked Bag 2035, Collingwood VIC 3066 Australia
Web-site: https://bankaust.com.au/personal
ABN: 21 087 651 607
BSB: 313 140
Bank of Melbourne
Head office’s address: 525 Collins Street
Contact center: 61-132266
Phone: 61-3-9982-4186
Mail address: 525 Collins Street Melbourne
Web-site: https://www.bankofmelbourne.com.au/
Swift code: SGBLAU2S
ABN: 33 007 457 141
BSB: 193-879
Bank of Melbourne
Head office’s address: 525 Collins Street
Contact center: 61-132266
Phone: 61-3-9982-4186
Mail address: 525 Collins Street Melbourne
Web-site: https://www.bankofmelbourne.com.au/
Swift code: SGBLAU2S
ABN: 33 007 457 141
BSB: 193-879
Bendigo and Adelaide Bank
Head office’s address: The Bendigo Centre
Contact center: 1-300-361-911
Phone: 61-2-8023-5417
Mail address: The Bendigo Centre PO Box 480 Bendigo Vic 3552
Web-site: http://www.bendigobank.com.au/
Swift code: BENDAU3B
Stock code: BEN
ABN: 11 068 049 178
BSB: 633-300
CommBank
Head office’s address: 201 Sussex Street
Contact center: 13-22-21
Phone: 61-2-8055-4001
Mail address: Level 10, Tower One, Darling Park, 201 Sussex Street
Web-site: https://www.commbank.com.au/
Swift code: CTBAAU2S
Stock code: CBA
ABN: 48 123 123 124
ING Bank
Head office’s address: 60 Margaret St
Contact center: 61-2-9028-4077
Mail address: 60 Margaret St, Sydney NSW 2000
Web-site: http://www.ingdirect.com.au/
Swift code: INGBAU2S
Financial institution code: ING
ABN: 24 000 893 292
BSB: 923-100
NAB
Head office’s address: 800 Bourke Street
Contact center: 13-22-65
Phone: 61-3-8566-7023
Mail address: Level 4, 800 Bourke Street, Docklands, VIC
Web-site: http://www.nab.com.au/
Swift code: NATAAU3303M
Financial institution code: NAB
Stock code: NAB
BSB: 086-027
NAB
Head office’s address: 800 Bourke Street
Contact center: 13-22-65
Phone: 61-3-8566-7023
Mail address: Level 4, 800 Bourke Street, Docklands, VIC
Web-site: http://www.nab.com.au/
Swift code: NATAAU3303M
Financial institution code: NAB
Stock code: NAB
BSB: 086-027
St. George Bank
Head office’s address: 275 Kent Street
Contact center: 13-33-30
Phone: 61-2-9553-5333
Mail address: St.George Bank Locked Bag 1 Kogarah NSW 1485
Web-site: http://www.stgeorge.com.au/
Swift code: SGBLAU2S
Financial institution code: STG
Stock code: SGB
ABN: 33 007 457 141
BSB: 112-908
St. George Bank
Head office’s address: 275 Kent Street
Contact center: 13-33-30
Phone: 61-2-9553-5333
Mail address: St.George Bank Locked Bag 1 Kogarah NSW 1485
Web-site: http://www.stgeorge.com.au/
Swift code: SGBLAU2S
Financial institution code: STG
Stock code: SGB
ABN: 33 007 457 141
BSB: 112-908
Suncorp Bank
Head office’s address: 80 Ann Street
Contact center: 13-11-55
Phone: 61-7-3362-2222
Mail address: PO Box A50 Sydney South NSW 1235
Web-site: http://www.suncorpbank.com.au/
Swift code: METWAU4B
ABN: 66 010 831 722
BSB: 484-799
Westpac Bank
Head office’s address: 275 Kent Street
Contact center: 13-20-32
Phone: 61-2-9155-7700
Mail address: 275 Kent Street, Sydney, NSW
Web-site: https://www.westpac.com.au/
Swift code: WPACAU2S
Financial institution code: WBC
Stock code: WBC
ABN: 33 007 457 141
BSB: 032-063
Westpac Bank
Head office’s address: 275 Kent Street
Contact center: 13-20-32
Phone: 61-2-9155-7700
Mail address: 275 Kent Street, Sydney, NSW
Web-site: https://www.westpac.com.au/
Swift code: WPACAU2S
Financial institution code: WBC
Stock code: WBC
ABN: 33 007 457 141
BSB: 032-063