The 7 Best Credit Cards for Australians Travelling Overseas

This article will discuss the 7 best credit cards for Australians Traveling overseas. A travel credit card is a card with features designed to benefit individuals spending money overseas.

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A travel credit card has built-in features and perks that can help people to save money when using the card for overseas spending and get more travel benefits out of their card.

KEY TAKEAWAYS 

• You will learn what a travel credit card is 

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• The 7 best credit cards for Australians traveling overseas 

• Features of each credit card 

• Answers to some frequently asked questions on the best credit cards for Australians traveling overseas 

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Credit Cards for Australians Travelling Overseas
Credit:smoney.com

List of The 7 Best Credit Cards for Australians Travelling Overseas

Travel credit cards are a perfect way to enhance trips using the daily dollars people spend. Whether they are a budget backpacker or a business-class loyalist, a travel card can offer everything from flight and hotel credits to luxury perks like upgrades and lounge access.

But many travel cards come with strings; some cards charge annual fees, while other cards set strict rules on when and where people can redeem their hard-earned points.

The best travel credit cards help people earn points easily and convert them into travel even easier. Below are the 7 best credit cards for Australians traveling overseas

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1. 28 Degrees Platinum Mastercard

The Mastercard offers fee-free international transactions and currency conversion. The MasterCard comes with free global wifi and is a favorite of savvy overseas travelers (people) to help minimize payment fees abroad.

  The Mastercard doesn’t have a frequent flyer program or a linked loyalty but is still relevant for travelers and overseas spenders thanks to some of its unique features.

With no annual fee, some platinum perks, and recently added global wifi access, the card is useful for frequent overseas jet setters and those who make many online purchases with overseas retailers.

features

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  • Offers no annual fee
  • Offers no currency conversion fees
  • Offers no international transaction fees on purchases
  • Free wifi access at over 1 million hotspots worldwide

2. NAB Qantas Signature credit card

This card provides cardholders (users) with much more than just a great earning rate on the Qantas program. If people apply now, they can receive up to 120,000 bonus Qantas Points, earn a reduced 1st-year annual fee and pay zero percent p.a. on balance transfers for twelve months.

Individuals will also get a personal concierge service, 6 complimentary insurances, and access to exclusive lifestyle, deals, and discounts through Visa Offers + Perks, entertainment, and travel rewards.

features

  • The credit card offers up to 120,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card (90,000 when people spend $3,000 within the 1st 60 days and 30,000 when they keep their card open for over 12 months).
  • The credit card reduces the annual fee of $295 for the first year 
  • Offers up to zero percent p.a. on balance transfers for 12 months
  • Offers up to 44 days interest-free on purchases

3. Bankwest Qantas Platinum Mastercard

With this Mastercard, people can get up to 50,000 Bonus Qantas Points. They can earn 0.75 Qantas Points per $1 on the 1st $2500 spent per month and 0.3 points after that.

The Credit Card is its range of platinum perks. With no foreign transaction fees, cardholders could save on purchases made overseas, made in person while shopping online at international retailers, or traveling. 

In addition, the Credit Card offers included insurance covering travel and retail purchases. These include interstate flight inconvenience insurance, overseas travel insurance, transit accident insurance, purchase security insurance, and price guarantee, extended warranty.

Features

  • People can earn up to 50,000 Bonus Qantas Points when they spend $3,000 on eligible purchases in the 1st 90 days and keep their card open for over 15 months.
  • Earn 0.75 Qantas Points for one $1 on the first $2500 spent per month and 0.3 points later.
  • Add up to three (3) additional cardholders at no extra cost.
  • Complimentary overseas travel insurance for people and their family
  • The card offers no foreign transaction fees on online and overseas purchases.

4. ANZ Rewards Travel Adventures Card

If people apply for this card and spend $1,000 on eligible purchases within the first 3 (three) months of card approval, they will be credited 40,000 bonus Reward Points to spend as they like.

With this card, people pay no overseas transaction fee on overseas purchases, including online from international websites. Another very convenient and comforting feature is that if an individual needs to withdraw cash from a branch or ATM located overseas using their ANZ Rewards Travel Adventures Card, they will not get charged a cash advance fee. ATM operator fees may apply.

Features 

  • No overseas transaction fee on purchases
  • Waived cash advance fee at overseas ATMs when people use their ANZ Rewards Travel Adventures account to withdraw cash from a branch or ATM located overseas. 
  • 40,000 bonus Reward Points when people spend $1,000 on eligible purchases in the 1st 3 months from approval. 
  • Complimentary International and Domestic Travel Insurance 
  • Rental Vehicle Excess in Australia Insurance, Purchase Protection Insurance, and Extended Warranty Insurance.

5. Bankwest Qantas World Mastercard

Allowing people to earn points on the Qantas Frequent Flyer program, the Credit Card offers an uncapped earn rate of 1 Qantas Point on each $1 on the first $5000 spent per month and 0.5 points on each $1 after that.

Complimentary Qantas Frequent Flyer membership. Working well for frequent travelers, the card provides retail and travel insurance cover, free worldwide emergency card replacement, and no foreign transaction fees.

Features

  • Earn 1 Qantas Point per $1 on the 1st $5000 spent per month and 0.5 points per $1 after that
  • No foreign transaction fees
  • Free worldwide emergency card replacement
  • 2.99% p.a. on balance transfers for nine months
  • Uncapped points earning
  • Complimentary Qantas Frequent Flyer membership
  • Included travel insurance
  • Retail cover

6. Bank First Visa Platinum Credit Card

As new users, individuals could benefit from 0 percent (%) p.a. on purchases and balance transfers for 6 (six) months. While this is not the biggest offer on the market, it could provide a lot of value to those who want to pay off existing card debt while saving big on interest.

Another good feature of this offer is that any balance left unpaid at the end of the intro period reverts to the credit card’s purchase rate rather than its much higher cash advance rate.

The credit card is designed to be a money-saver in terms of day-to-day interest. Even though it is a platinum card – a type of card that has higher rates – it has a much lower rate than a lot of classic cards on the market.

And people can save even more with up to 55 (fifty-five) days interest-free on purchases as long as they clear their balance by the due date of the previous month.

Features 

  • Up to 55 days interest-free
  • Annual fee of $99
  • Complimentary Overseas Travel Insurance
  • 0 percent (%) p.a. Purchase Rate for 6 months. Reverts to 9.59 percent (%) p.a.
  • 0 percent (%) p.a. on balance transfers for 6 months. Reverts to 9.59 percent (%) p.a.
  • Visa Platinum Entertainment
  • Complimentary 24/7 Platinum Concierge Service

7. Citi Signature Rewards Credit Card

With this credit card, people will earn 2 ThankYou Points per dollar at gas stations and supermarkets for the first $6,000 in spending each year and one (1) ThankYou Point per dollar on other eligible purchases.

Plus, for a limited time, earn five ThankYou Points for each dollar on restaurants up to $6,000 in the 1st twelve months of account opening and one ThankYou Point after that.

And the credit card’s most unique feature is that it rounds up to the nearest ten points on every purchase could have people mentally counting up their future points’ potential.

The card also offers a welcome bonus: about 20,000 bonus points after spending up to $1,500 in purchases within three months of account opening.

A point is worth one (1) cent when redeemed for travel via the ThankYou Travel Center. One notable exception is if people redeem for air travel by calling the ThankYou Travel Center. Although a point is worth a cent, people will also have to pay a $23 fee per ticket booked this way.

Features 

  • All purchases rounded up to the nearest ten reward points.
  • 10 percent (%) points bonus added to the first 100,000 points redeemed annually.
  • No rotating categories to manage.

Read Also:

How To Get Instant Approval Virtual Credit Card With Instant Use

How To Build Credit Without A Credit Card (2022 Guide)

How To Accept Credit Card Payments In 7 Simple Ways

Conclusion 

Travel credit cards are a perfect way to enhance trips using the daily dollars people spend. Whether they are a budget backpacker or a business-class loyalist, a travel card can offer everything from flight and hotel credits to luxury perks like upgrades and lounge access.

FAQS

Is it worth getting a travel card?

A travel credit card is worth it when it allows people to earn points or miles that they can redeem for travel, perks they can use to save time and money, and protections to help when things go wrong on the road.

What is the best Australian travel card?

  • Bankwest Qantas Platinum Mastercard
  • NAB Qantas Signature credit card

Is Visa or Mastercard better for international travel?

There are slight differences between the two companies. The VISA card company is slightly larger and has a higher transaction volume and global acceptance. However, the MasterCard company is accepted in more countries than VISA is.

Is it better to use a debit or credit card abroad?

If people are afraid of overspending, they should stick to the debit card. If they are afraid of fraud, they should use a credit card. (The credit card won’t prevent fraud, but it does prevent their bank account from being accessed in case of fraud.) No matter what people do, they should choose the option that works best for them.

What is the best travel card to use in the USA?

 Below is a list of the best travel card to use in the USA

 • American Express® Gold Card.

• Capital One Venture Rewards Credit Card.

• Chase Sapphire Preferred® Card.

• Chase Sapphire Reserve®

• Discover it® Miles.

You can learn more from the video below:

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