Foreign Currency & International Fees for Credit Cards

Information verified correct on May 2nd, 2016
foreign currency Think twice before using your credit card abroad. Overseas transaction fees might shock you when you receive your monthly statement.

Access your cash overseas without paying extra charges and fees with No Foreign Currency Exchange Fee Credit Cards. Avoid foreign currency conversion fees and international transaction fees. Compare and choose a credit card with no foreign currency exchange fees or foreign transaction fees.

A credit card can be a great way to fund your holiday. However, the costs that come with travelling overseas can quickly eat away at your travel budget. Charges such as currency conversion, foreign transaction fees, international ATM charges and cash advance fees are some of the fees you can expect if you use your credit card overseas.

Cards that offer no foreign transaction, currency conversion or overseas ATM fees, can be a useful way to avoid these extra costs.

Use our comparison table below to find the no foreign currency conversion and international transaction fee credit card that’ll help you save on your next holiday.

Comparison of No Foreign Currency Exchange Fee Credit Cards

Rates last updated May 2nd, 2016.

Coles Rewards Platinum Mastercard

New offer of $100 off a single Coles Supermarket shop if you apply by 31 May 2016.

April 4th, 2016

Coles Rewards Mastercard

New offer of $100 off a single Coles Supermarket shop if you apply by 31 May 2016.

April 4th, 2016

Bankwest Breeze Platinum MasterCard

New balance transfer offer of 2.99% p.a. for 9 months.

April 18th, 2016

View latest updates

Jonathan Choi Jonathan
Foreign Currency Conversion Fee (MC) Purchase rate (p.a.) Annual fee
Bankwest Zero Platinum MasterCard
Complimentary travel insurance & 24/7 Concierge service and Zero Foreign Transaction fees.
0% of transaction value 17.99% p.a. $0 p.a. Go to site More info
Coles Rewards Mastercard
Earn 2 flybuys points for every $1 spent and no foreign transaction fees for online purchases and overseas trips.
0% of transaction value 19.99% p.a. $89 p.a. Go to site More info
28 Degrees Platinum MasterCard
No foreign transaction fees on international purchases including international purchases online, together with a no annual fee.
0% of transaction value 21.99% p.a. $0 p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Earn 8,000 bonus Qantas Points. No fees on foreign transactions and enjoy free travel and accident insurance.
0% of transaction value 20.49% p.a. $160 p.a. Go to site More info
Bankwest Breeze Platinum MasterCard
Enjoy Platinum card benefits offering no foreign transaction fees on online and overseas purchases, complimentary travel insurance and 5% cash back (up to $300) promotion on eligible purchases.
0% of transaction value 12.99% p.a. $99 p.a. Go to site More info
Coles Rewards Platinum Mastercard
Earn 2 flybuys points for every $1 spent and pay low annual fee. Plus, receive $100 off a single Coles Supermarket shop if you apply by 31 May 2016.
0% of transaction value 19.99% p.a. $89 p.a. Go to site More info
Bankwest More Platinum Mastercard
No fees on overseas ATM withdrawal, no foreign transaction fees and earn 80,000 bonus More rewards points.
0% of transaction value 19.99% p.a. $140 p.a. Go to site More info

Overseas transaction fees & charges comparison

Credit
Card
Overseas Transaction Charges & Foreign Currency ConversionOverseas ATM Withdrawal FeeOverseas ATM Balance CheckOverseas Cash Advance Fee
Bankwest
Compare Bankwest Credit Cards
(0% Foreign Transaction Fees for Bankwest Platinum Cards, including the Bankwest Zero Platinum)$0$0Greater of 2% or $4.00Bankwest

Review of 28 Degrees MasterCard
0%$0$03% of the cash advance or $4 (whichever is greater)Bankwest
ANZ
Compare ANZ Credit Cards
3% for Visa and MasterCard3% for American Express$4$0The greater of 2% of the cash advance amount or a minimum of $0ANZ
Commonwealth Bank
Compare Commonwealth Bank Credit Cards
3% for MasterCard and Visa2% for American Express2.00% for transaction overseas in Australian dollars$4$1.25$2.50 or 2.00% of the transaction amount (whichever is greater)Commonwealth Bank
NAB
Compare NAB Credit Cards
3% multi currency for Visa3% multi currency for MasterCard3% multi currency for American Express$5$12% or $2.50, whichever is greaterNAB
St.George
Compare St.George Credit Cards
3% for Visa or MasterCard$5$02% of the cash advance amount or $2.50 (whichever is greater)St.George
Suncorp
Compare Suncorp Credit Cards
3.4%1.0% is paid to Visa; and2.4% is paid to Citigroup$5$01.50% of Transaction amountSuncorp
Bendigo Bank
Compare Bendigo Bank Credit Cards
2%$5$1.50$3.25 or 0.5% of the transaction amount (whichever is greater)Bendigo Bank
Westpac
Compare Westpac Credit Cards
3% Visa & Mastercard3.5% AMEX Credit Cards$5$02% of the cash advance amount or $2.50 (whichever is greater, capped at $150)Westpac
HSBC Australia
Compare HSBC Credit Cards
3%$4.50$0HSBC
Latitude Financial Services
Compare Latitude Financial Services Credit Cards
3%$4$0 (whichever is greater), plus international cash advance fees of $4.00 ATM / $5.00 over the counterLatitude Financial Services
Bank of Queensland
Compare Bank of Queensland Credit Cards
3.4%$5$22% of the cash advance amount or minimum of $4 (whichever is greater)Bank of Queensland
American Express
Compare American Express Credit Cards
3%$1.50$1.50Cash advances currently not available on American Express credit cardsAmerican Express
Citibank
Compare Citibank Credit Cards
3.4% for MasterCard3.3% for Visa$5$05Citibank
ME Bank
Compare ME Credit Cards
1.5%$4$0$4ME Bank
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A better understanding of foreign currency & international fees

  • What is a foreign currency conversion fee?

    This is the largest charge you’re going to incur when you use your card overseas. A cross currency conversion fee is a charge for converting Australian dollars into a foreign currency when you make a purchase — usually somewhere between 2 and 3% of the value of the transaction depending on your card issuer.

    Why is it charged?Since you own an Australian credit card, your balance and credit is automatically in Australian dollars. When you transact in a foreign currency, the money must be charged from one currency to the other. Your financial institution and the card scheme (Visa, MasterCard and American Express) will handle this conversion for you, but they’ll charge you a fee for doing so.

    Visa and MasterCard automatically charge a 1-2% fee on foreign currency exchange, so this minimum can at least be expected. Anything in excess is generally a small margin of profit for the bank.

  • What is an overseas transaction charge?

    Regardless of the currency and whether it’s a purchase or cash advance, a couple of issuers impose an overseas transaction charge, which takes a clean 1-3% figure off the total transaction amount. This is generally listed separately from the currency conversion fee.

  • ATM fees

    Even if you are using your own money when you withdraw cash from your credit card, there will still be a charge for using an ATM. The use of overseas and/or local ATM’s would normally come at a cost, and can be up to $5 for each transaction and have the potential to blow the budget, these international ATM fees can be avoided with a little planning. Some major Australian banks have a range of ‘global alliance partners’ that allow Australians to withdraw money from international ATMs without incurring a fee. Westpac, for instance, are partnered with Barclays Bank, which has a robust international ATM network. All you have to do is take some time to plan where you’re going to be and look out for your bank or lender’s global ATM partner.

  • What is a cash advance fee? (international)

    It’s general credit card knowledge that cash advances are expensive, even domestically. Once you begin using your credit card overseas, withdrawing cash will only increase the amount you get charged. In addition to the normal interest rate and lack of interest-free days, you can be imposed a $1-$10 / 1%-4% fee (whichever is higher) every time you carry out an overseas cash advance. You will also be charged the standard cash advance rate for your credit card (as well as the international cash advance fee).

    Before you go overseas make sure you check what rate your credit card issuer will charge you for foreign transactions and currency conversion. Make sure you do a thorough comparison before you jet off to ensure you get the big bang for your buck.

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What fees will I pay when I…

To help our users understand exactly what they’ll be up for when they use their card overseas, we thought we’d break down the fees and charges when you use your card in a couple of different situations. The actual fees and charges will vary depending on the card you use, but you can refer to the comparison table above to calculate your expenses.

Withdraw cash from an ATM?

If you use your credit card to withdraw from an overseas ATM, the following fees and charges will apply:

  • International ATM fee (see above);
  • Cash advance fee (Some lenders will waive this fee if you’ve preloaded your own funds onto the card); and
  • Currency conversion fee (this amount is calculated based on the total of the international ATM fee and the amount being withdrawn).
  • Local ATM operator fee (this can be avoided by using an ATM with your bank’s overseas ATM Alliance [if they have one]);
  • The cash advance rate of interest will apply from the day the transaction takes place.

Make a purchase?

Purchases are a little more forgiving on the hip pocket than an overseas cash advance.

This applies to everything from booking a hotel or a flight while abroad through to buying goods from overseas from the comfort of your living room back home.

  • Currency conversion fee;
  • Purchase rate of interest (excluding interest-free days).

0% foreign fees credit cards – Fly higher and travel further without foreign fees weighing you down

  • What do these cards offer? Want a convenient way to spend overseas without foreign fees draining your spending money?
  • Who are these credit cards suited to? These cards are designed for travellers, or those who want to shop online without foreign currency conversion fees.

How to find the right 0% foreign fee credit card

  • What fees do you need to check? While these cards have a 0% foreign fee, you need to confirm exactly what fees are listed as 0%. Foreign fees can include foreign currency conversion fees, overseas ATM withdrawal fees, cash advance fees, and overseas transaction charges. Check what you will be charged for each of these and that you aren’t opting into a card account that will cost you a lot to use overseas.
  • What else will you pay? You also need to consider the other costs of the card. If you’re using it to make overseas purchases and don’t plan on paying back your balance in full each month, you’ll need to take the purchase rate into consideration. Does the card come with an annual fee? Also, as mentioned, overseas cash advance fees may apply, which can add up if you’re using your card to withdraw money while travelling. Make sure you’re aware of all of the costs before applying.
  • Are there other travel benefits? Some of these cards offer additional travel benefits. You might get access to complimentary travel insurance when you purchase your trip on your card, or you could even find yourself earning rewards points or frequent flyer points for each dollar you spend. Bonus points might also be available — which you can use to redeem travel benefits on your trip — so be sure to take a look at the lucrative offers that you can take advantage of.

Popular interest free foreign fee credit cards

Rates last updated May 2nd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Bankwest Zero Platinum MasterCard
Complimentary travel insurance & 24/7 Concierge service and Zero Foreign Transaction fees.
17.99% p.a. 2.99% p.a. for 9 months $0 p.a. Go to site More info
Coles Rewards Mastercard
Earn 2 flybuys points for every $1 spent and no foreign transaction fees for online purchases and overseas trips.
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
28 Degrees Platinum MasterCard
No foreign transaction fees on international purchases including international purchases online, together with a no annual fee.
21.99% p.a. $0 p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Earn 8,000 bonus Qantas Points. No fees on foreign transactions and enjoy free travel and accident insurance.
20.49% p.a. 2.99% p.a. for 9 months $160 p.a. Go to site More info
Bankwest Breeze Platinum MasterCard
Enjoy Platinum card benefits offering no foreign transaction fees on online and overseas purchases, complimentary travel insurance and 5% cash back (up to $300) promotion on eligible purchases.
12.99% p.a. 2.99% p.a. for 9 months $99 p.a. Go to site More info
Coles Rewards Platinum Mastercard
Earn 2 flybuys points for every $1 spent and pay low annual fee. Plus, receive $100 off a single Coles Supermarket shop if you apply by 31 May 2016.
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Bankwest More Platinum Mastercard
No fees on overseas ATM withdrawal, no foreign transaction fees and earn 80,000 bonus More rewards points.
19.99% p.a. 2.99% p.a. for 9 months $140 p.a. Go to site More info

What happens if you don’t repay your credit card balance?

As with other credit card models, if you neglect to pay your credit card balance in full during the repayment period, you will incur late charges, missed payment fees and will be denied access to any interest-free days. Compare the options available and check the terms and conditions of the card before applying. If you think you’ll struggle repaying the card, you may want to consider another option.

When will you be charged interest on a 0% foreign transfer credit card?

There are a few instances where you’ll be charged interest on a balance transfer credit card. These include:

  • Depending on the card, you could incur a fee when making a purchase on the card
  • If you use your card for a cash advance or cash equivalent transaction
  • If you don’t pay your balance in full each month or payment cycle, you may find yourself confronted with high interest.

What you need to watch out for with 0% foreign transfer credit cards

There are a few things you’ll need to keep your eye on when using a 0% foreign transfer credit card. The first one is high annual fees. 0% foreign transfer credit cards, which often come with extras such as links with a frequent flyer program or complimentary travel insurance, usually charge a high annual fee. Similarly, you can also expect high-interest rates when using a 0% foreign transfer credit card. In particular, pay close attention to the purchase rate and cash advance rate.

Learn more about cards that offer no foreign currency exchange fees


Are you looking to travel prepaid?

If you’re interested in keeping your travelling budget within your current or future savings, you might be interested in considering the prepaid option.

ANZ Travel Card

ANZ Travel Card

The ANZ Travel Card is a prepaid card that can be loaded with up to 10 foreign currencies to make purchases overseas at over 36 million locations.

  • Lock in your exchange rates and know how much money you have to spend
  • No transaction fees for electronic purchases in Australia and overseas
  • Multiple reload options - online, over the phone or in person
  • Manage your money online or over phone 24/7
  • Spare card if in case one is lost or stolen

    A comparison of travel money cards

    Rates last updated May 2nd, 2016
    Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee
    ANZ Travel Card
    ANZ Travel Card
    AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD, AUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 20.00, JPY 260, NZD 4.50, SGD 4.00, THB 95, USD 2.50 1.1% of the value purchased $0 Go to site More
    NAB Traveller Card
    NAB Traveller Card
    AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD $0 per withdrawal on international ATMs and $3.75 per withdrawal at any Australian ATMs $0 $0 Go to site More
    Multi Currency Cash Passport
    Multi Currency Cash Passport
    AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD $0 for International ATM withdrawal and 2.95% of the amount withdrawn in Australia $0 $0 Go to site More
    Travelex Travel Card
    Travelex Travel Card
    AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD Travelex does not charge an ATM withdrawal fee when you use your Travelex Multi-currency Cash Passport to withdraw currencies that are loaded on the card at overseas ATMs where MasterCard is accepted. The greater of 1.1% of the initial load / reload amount or AU$15.00 $0 Go to site More

    You can learn more about prepaid travel money here

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    119 Responses to Foreign Currency & International Fees for Credit Cards

    1. Default Gravatar
      Justine | April 6, 2016

      I am interested in your opinion of best credit card where the following points are relevant to me:
      I pay off the balance every month.
      I like to use for international transactions.
      I would like to earn high miles.
      I am attracted to the special deals of getting a lot of Qantas FF miles with a new credit card.
      Unfortunately it doesn’t seem that you can have all – either the foreign transaction fees are high, or you have no fees and no miles. In the US – my platinum premier credit card has no fee and accumulates points which can be used for cash back or miles (but not with Qantas).

      • Staff
        Sally | April 6, 2016

        Hi Justine,

        Thanks for your question.

        As a financial comparison service, we can’t recommend any specific products as the ‘best’ option will depend on your individual circumstances.

        You can start by comparing Qantas Frequent Flyer credit cards here. You can also look at frequent flyer credit cards with no foreign transaction fees here.

        That is correct though, you can rarely get a card that has both a rewards program and $0 foreign transaction fees. Instead, you need to consider how you’ll be using the card and which feature offers you the most value.

        I hope this has helped.

        Cheers,

        Sally

    2. Default Gravatar
      Den | March 28, 2016

      Will I be able to use my BOQ Debit card in Cuba?

      • Staff
        Sally | March 31, 2016

        Hi Den,

        Thanks for your question.

        This might depend on what type of card you have. MasterCard and Visa are both accepted in Cuba, but it’s largely a cash society, so you’ll need access to an ATM to withdraw funds.

        Depending on what type of card you have, you might incur currency conversion fees when you try to use your Australian dollars to pay in Cuban peso or Cuban convertible peso.

        If so, you might want to consider using a debit card that charges low or no foreign transaction fees when travelling overseas.

        For more travel money tips for your holiday to Cuba, please see our Cuba Travel Money Guide.

        I hope this has helped.

        Cheers,

        Sally

    3. Default Gravatar
      Sid | March 24, 2016

      Hi
      I want to use my Australian HSBC credit card in Singapore for my stay. Can you please let me know what fee will I be paying.
      Also is it better to use Hsbc credit card or debit card.
      Thanks
      Sid

      • Staff
        Debbie | March 24, 2016

        Hi Sid,

        Thanks for your inquiry.

        Please note that you’ve come through finder.com.au, an online comparison service and we’re not in the position to recommend specific card issuers, products or services.

        For HSBC Credit Card, a foreign conversion fee of 3% of the transaction value applies and there is also an overseas ATM withdrawal fee of $4.50.

        If you are considering debit card for your travel, you may wish to check what are the things to consider on using debit card on your next trip.

        You can also compare the differences of credit card and debit card here.

        I hope this helps.

        Cheers,
        Debbie

    4. Default Gravatar
      Kim | January 17, 2016

      Hi, we have the coles platinum mastercard. It says there are no international transaction fees but it doesn’t mention the currency conversion fee. I just called them and of course I get an overseas call centre, who tells me that there is no currency conversion fees but I can’t locate those words. Do you know if this card charges a currency conversion fee? Many thanks.

      • Staff
        Ally | January 20, 2016

        Hi Kim,

        Thanks for reaching out.

        Foreign currency conversion fees and international transaction fees are just about the same.
        The Coles Platinum card doesn’t charge any.

        For your reference, you may read through our Coles Platinum review page here.

        I hope this has helped.

        Cheers,
        Ally

    5. Default Gravatar
      Jennifer | December 28, 2015

      With some change occurring in Cuban US relations can you please supply very current information re card use in Cuba? We usually travel with a 28 degrees MasterCard and QANTAS travel card. From research neither appear usable in Cuba. Any assistance would be much appreciated.

      • Staff
        Sally | January 4, 2016

        Hi Jennifer,

        Thanks for your question.

        You should be able to use a Visa or MasterCard issued in Australia so long as it’s not affiliated with a US bank (for example, American Express, Westpac, ANZ, Commonwealth Bank and 28 degrees as they’re all associated with US General Electric). Please note that you’ll have trouble finding an Australian travel card (such as the Qantas travel card) that’ll work in Cuba.

        I hope this has helped.

        Cheers,

        Sally

    6. Default Gravatar
      denice | November 26, 2015

      I am going to use my Australian credit card for a purchase of 16000 in one transaction in Thailand. What would the international fee cost be approximately please

      • Staff
        Sally | November 26, 2015

        Hi Denice,

        The fees you will incur will vary depending on the card you’re using.

        If you could please confirm the card you’re using, we could provide you with a more specific response.

        Otherwise, the fees you can look out for are the foreign transaction fees and currency conversion fees.

        Please keep in mind that many credit cards have a daily transaction limit, so you may not be able to spend $16,000 within one transaction or one day.

        If you have any more specific enquiries, you may need to get in touch with your credit card issuer.

        Cheers,

        Sally

    7. Default Gravatar
      georgebl | October 29, 2015

      We will be travelling to Usa/Canada/Europe/UK and Hong Kong next year over a 3 month period
      we need a card that covers travel insurance and of course has low or minimal fees Also is there a site for finding out which banks/credit unions have Alliances or partnerships with other large international banks,so hoping to get zero international ATM fees

      • Staff
        Jonathan | October 30, 2015

        Hi Georgebl, thanks for your question!

        You can compare credit cards that cover international travel insurance here and credit cards with no overseas ATM withdrawal fees on this page.

        Cheers,

        Jonathan

    8. Default Gravatar
      damo | October 19, 2015

      IM JUST WONDERING WHAT THE BEST CREDIT CARD WOULD BE?

      I NEED:

      -0% ON INTERNATIONAL PURCHASES
      -IF POSSIBLE COMPLEMENTARY TRAVEL INSURANCE
      - EXTENDED INTEREST FREE ON PURCHASES(MINIMUM 6 MONTHS)

      THANKS

    9. Default Gravatar
      Peter | September 8, 2015

      I am looking for a credit card that will charge me no transaction fee for overseas cash withdrawals, as well as a credit card that will work in both Thailand and Laos.

      • Staff
        Sally | September 9, 2015

        Hi Peter,

        Thanks for your inquiry.

        If you scroll all the way up on this page and look more closely, you’ll see that there’s a comparison table for cards that don’t charge international transaction fees just right below the subtitle “Comparison of No Foreign Currency Exchange Fee Credit Cards”. You might also want to take a look at our “No Annual Fee Credit Cards with No Foreign Transaction Fees” page here.

        As for your query on which card to bring in Thailand/Laos, kindly see our “Travel Money Guide: South-East Asia” page here and our “Travel Money Guide: Thailand” page here.

        I hope this has helped.

        Thanks,

        Sally

    10. Default Gravatar
      Jack | August 5, 2015

      How can I find out what exchange rate (not the conversion fee) my credit card provider uses on overseas credit card purchases and which providers use the most favourable rates (e.g. visa or american express?)

      • Staff
        Jonathan | August 6, 2015

        Hi Jack, thanks for your inquiry!

        Please refer to the links I have sent to your email for the exchange rates for MasterCard and Visa.

        Cheers,

        Jonathan

    Credit Cards Comparison

    Rates last updated May 2nd, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    St.George Vertigo Platinum
    A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 0.99% p.a. for 4 months with a low annual fee.
    0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
    14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    ANZ Frequent Flyer Black
    Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
    19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info

    * The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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