Using Commonwealth Bank Credit Cards Overseas

Best Travel Credit Card

The NAB Qantas Platinum Credit Card features a superior Qantas Frequent Flyer points earn rate with no points cap or expiry so you can enjoy a wide range of
rewards. You also get complimentary insurances such as overseas travel and interstate flight inconvenience insurance.

• $290 annual fee
• 20.24% p.a. on purchases
• 4.99% p.a. for 6 months on balance transfers
• Cash Advance Rate of 21.74% p.a.
• 44 days interest free
• Canstar Cannex outstanding value credit card

Read the NAB Qantas Platinum Card terms and conditions.

Taking credit cards overseas assures you of ready funding whenever you need it, whether that’s for meals, merchandise, accommodation, cash withdrawals, or anything else.

Commonwealth Bank credit cards from MasterCard, Visa, or American Express will all be welcomed around the world, but you should remember that American Express enjoys less widespread acceptance than the other two, so if you are only taking one card then it really should be a Visa or MasterCard.

MasterCard, Visa, and American Express:

If you take a Commonwealth Bank MasterCard overseas, you can withdraw cash and obtain balances from any ATM displaying the MasterCard and/or Cirrus logos, and from any merchant location displaying the Maestro logo.

If you take a Commonwealth Bank American Express credit card overseas, you can withdraw cash from any ATM displaying the American Express logo, and from any merchant location displaying the American Express logo.

If you take a Commonwealth Bank Visa credit card overseas, you can withdraw cash and obtain balances from any ATM displaying the Visa or Plus logo, and from any merchant location displaying the Visa or Visa Electron logo.

Credit cards and linked accounts

If your credit card is linked to your main savings or cheque accounts, you can access these with your Commonwealth Bank MasterCard or Visa card through any overseas ATM that displays the MasterCard, Cirrus or Maestro logos. However, this does not apply in Europe, where you can only use your credit card to access your credit card accounts. Whatever selection you make on-screen at an ATM or merchant terminal – savings, cheque, or credit account – your withdrawal will be treated as a cash advance.

General advice about credit cards overseas:

Keep a record of your card details

Make a note of your credit card numbers, including emergency contact numbers in case you quickly need to contact Commonwealth Bank should your credit card be lost or stolen. Visa, MasterCard and American Express all offer a zero-liability guarantee, but you should still inform the bank the moment a credit card overseas goes missing.

Tell Commonwealth of your travel plans

Commonwealth Bank should know that you are venturing abroad, and for how long. If not, you may find that their automated fraud-prevention systems stop your purchases because they will be deemed out of the ordinary due to their unexpected location. Make sure Commonwealth also knows when you will be back home, so that any purchases continuing abroad beyond that date are rejected – in case your details have been skimmed.

Watch out for foreign charges

Be careful of Dynamic Currency Conversion (DCC) when using your credit card overseas, which is where you are charged in Australian dollars rather than the local currency. Which currency you are charged in is 100% your choice by law. Transactions made in Australian dollars will attract a DCC fee of 4% or upwards from the foreign retailer or bank, whereas those charged in local currency are handled by Commonwealth at a lesser percentage rate.

Check out today's featured offers:

Westpac Low Rate	Citibank Clear Platinum	Qantas AMEX Discovery	ANZ Platinum
0% p.a. for 6 months on purchases & balance transfers	2.9% p.a. for 12 months on balance transfers	$0 annual fee Up to 10,000 Bonus QFF Points	0% p.a. for 6 months on purchases & balance transfers

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Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%