How to avoid Foreign Currency Exchange Fees when Travelling

Posted January 3rd, 2012 and last modified September 20th, 2014

Some international transaction fees can be avoided, but all card payments use the MasterCard, Visa and American Express exchange rate

Are you an exchange rate aficionados looking to get the most from your dollar while on holiday?

Be aware of that fact that the figure you hear quoted on the evening news is not the exchange rate you get when you make a purchase or ATM withdrawal. The exchange rates discussed on the evening news are the interbank rates — the exchange rates the banks use to sell foreign currency to each other. These rates are not available to everyday consumers.

For most people like you and me, when we use a Visa, MasterCard or American Express branded product, we’re subject to the Visa, MasterCard or American Express exchange rate. The good news is that this rate is pretty close to the interbank rate. The markup by the card scheme (Visa, MasterCard and Express) is negligible (unless you’re making a huge purchase).

The additional fees applied by the card scheme and the card provider (CBA, NAB, ANZ and Westpac, for instance) are what you need to pay attention to. Currency conversion fees, also called international transaction fees, cash advance fees and international ATM fees should be at the front of your mind if you’re concerned about card fees when you’re travelling.

The following article will have a look at what these fees are, and will point you in the right direction if you’re a looking for a product that costs less to use overseas.


Different ways to pay for transactions overseas

Let’s have a look at the different ways you can pay for goods and items while you’re abroad and the fees and charges that applicable to each type of payment method.

Comparison of No Foreign Currency Exchange Fee Credit Cards.

Rates last updated November 1st, 2014

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
28 Degrees MasterCard
28 Degrees MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee. 20.99% p.a. $0 p.a. 20.99% p.a. Go to site More info
Bankwest Breeze Platinum MasterCard
Bankwest Breeze Platinum MasterCard
Low interest rate on balance transfers and purchases. Plus no foreign transaction fees on online and overseas purchases. 12.24% p.a. 0% p.a. for 4 months $99 p.a. 21.99% p.a. Go to site More info
Bankwest Zero Platinum MasterCard
Bankwest Zero Platinum MasterCard
$0 foreign transaction fee with a $0 annual fee. 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. 21.99% p.a. Go to site More info
Bankwest More Platinum Mastercard
Bankwest More Platinum Mastercard
Enjoy all the extra special benefits including complimentary overseas travel insurance and emergency travel assistance 24/7 with no foreign transaction fees. 19.49% p.a. 0% p.a. for 16 months $130 p.a. 21.99% p.a. More info

There are credit cards on the market that do not charge fees for international transactions; however, the majority of cards on the market will charge a fee for currency conversion — this is a fee of 3% when you carry out a transaction in a currency other than Australian dollars. The bank and card scheme will charge a fee to change the funds into a currency the merchant can accept.

Go for a card that waives the foreign currency conversion fee if you want to eliminate this fee from your bank balance.

For example, the 28 Degrees MasterCard is an enticing proposition for people heading overseas, or even spending internationally. Our review of the 28 Degrees MasterCard covers off everything you need to know about the card and using it to shop in a foreign currency.

Compare credit cards with no foreign currency conversion fee and annual fee.

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Prepaid travel money cards.

Rates last updated November 1st, 2014

Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee
Qantas Card with Qantas Cash
Qantas Card with Qantas Cash
AUD, USD, GBP, EUR, THB, NZD, SGD, HKD, CAD, JPY, AED AUD 1.95, CAD 2.00, EUR 1.50, GBP 1.25, HKD 15.00, JPY 160, NZD 2.50, SGD 2.50, USD 1.95, THB 70.00, AED 6.50 $0 $0 Go to site More
OzForex Travel Card
OzForex Travel Card
AUD, USD, EUR, GBP, NZD, HKD, SGD, CAD, JPY AUD 2.95, CAD 2.95, EUR 2.00, GBP 2.00, HKD 15.00, JPY 210, NZD 4.25, SGD 3.50, USD 2.25 $0 $15 Go to site More
Multi Currency - Cash Passport
Multi Currency - Cash Passport
AUD, USD, EUR, GBP, NZD, THB, CAD, HKD, JPY, SGD $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, 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, of course, choose to transfer your money onto a prepaid travel money card. Travel money cards let you hold multiple foreign currencies on the card. The advantage being you can spend on the card without paying for currency conversion — preload Euros and spend in Euros, for instance, and you’ll only pay for the cost of the transaction, nothing more.

Travel card fees.

Although you save on currency conversion, don’t assume that these are fee free accounts. Travel money cards charge when you load funds for the first time, or every time you reload funds. There can also be fees for opening the account, called card issue fees, and when the account is inactive for a period of time.

Keep this in mind:

A consideration for prepaid travel money cards is that you will need several cards if you are visiting several countries. It is expensive to purchase goods or withdraw cash from a country if your travel card in the currency of another country. Comparing prepaid travel money card providers with multiple currencies allows you to load it in the currency of several nations. Once you have purchased the card and loaded it with money it is no longer subjected to any foreign exchange rate fluctuations.

Our comparison of travel cards covers their fees, available currencies and you can read frequently asked questions about these products.

Travel card exchange rates.

If getting the best rate possible on currency exchange is your main concern, you may want to consider a different product. Travel card providers have a different exchange rates for travel cards and credit cards and debit cards.

Travel Money Cards are subject to the same exchange rate for traveller’s cheques and purchases of foreign cash. It’s worth having a look at the provider’s rates prior to carrying out a purchase. Exchange rates are available through the financial institution’s website, and rates are also provided when you’re issued a ‘foreign currency quote’ prior to loading a travel card with funds. You can compare the quote against rates offered by foreign exchange providers, like OzForex, to see if you’re getting the best deal.

Find out more about travel money cards here.

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What about using cash?

It’s always a good idea to always have some cash on you while you’re travelling. If money talks, cash screams.

ATM withdrawals are virtually inevitable while you’re on holiday, and in most cases, so are ATM fees — but not always.

Eliminate ATM fees.

International ATM fees can be avoided. The local ATM operator fee is a different story. There are Australian accounts, like cards offered by Bankwest, which do not charge for international ATM withdrawals, but the local ATM operator fee still applies. Choosing a credit card or debit card with a major financial institution like Citibank and using a Citibank ATM (Citibank have a global presence) greatly reduces the cost of making an overseas ATM withdrawal, but the less time spent searching for an ATM where you can withdraw for free, the better. Who wants to spend their holiday looking for an ATM to save a couple of bucks?

Another option is to go for a lender with an international ATM alliance. Westpac are partnered with a number of major international financial institutions, Westpac cardholders can avoid ATM fee altogether if they use an ATM within the Westpac global ATM alliance. There are other Australian institutions that have similar arrangements, you can see which banks have international ATM partnerships in the frequently asked questions section of our travel money comparison page.

The exchange rate.

Like when you use your card to make a purchase, when you use your card to withdraw cash, you’re subject to the Visa, MasterCard or American Express foreign exchange rate. You can view these rates on the card scheme’s website.

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Get rewarded when you spend?

If you’re about to head overseas and you’re wondering about the choice of plastic to use abroad, think about credit cards that offer rewards, or credit cards that come with travel-centric perks, like complimentary international travel insurance.

Often, credit cards that offer rewards also come with complimentary international travel insurance. This additional perks will be reflected in the product’s annual fee.

In some cases, credit cards offer bonus points when you spend in a foreign currency, and benefits like complimentary international travel insurance is money saved, even before you’ve left the country.

Rates last updated November 1st, 2014
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Black Rewards Credit Card
ANZ Black Rewards Credit Card
You could earn 25,000 bonus Rewards points on first eligible purchase. 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) 20.99% p.a. Go to site More info
ANZ Rewards Platinum Credit Card
ANZ Rewards Platinum Credit Card
A dual card offer rewarding up to 3.000 points for every $1 spent on purchases plus 25,000 bonus points on your first eligible purchase. 18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) (which includes a $94 annual account fee and a $55 Rewards Program services fee) 20.99% p.a. Go to site More info
American Express Platinum Rewards Credit Card
American Express Platinum Rewards Credit Card
5,000 bonus points offer when you are approved and meet the minimum spend requirement. Plus no annual fee for the first year. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($80 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with a low balance transfer offer of 0.99% p.a. for 6 months. Earn 1.000 Qantas Point per $1 spend. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Receive 20,000 Bonus Qantas Points Plus earn 2 points for international purchases including online spend. Including a low balance transfer offer of 0% p.a. for 6 months. 19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
Receive up to 50,000 extra Qantas Points. Plus earn 1.000 points per $1 spend. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. Go to site More info
Coles No Annual Fee MasterCard
Coles No Annual Fee MasterCard
No annual fee credit card with flybuys points on everyday purchases. 0% p.a. for 6 months (reverts to 17.99% p.a.) $0 p.a. 17.99% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
A low balance transfer offer of 0% p.a. for 8 months. Earn bonus 10,000 rewards points with high credit limits, prestige services including a personal concierge service and VISA Platinum rewards program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
ANZ Rewards Credit Card
ANZ Rewards Credit Card
25,000 bonus points on your first eligible purchase. Earn rewards points on your purchases, redeemable for a huge selection of rewards including shopping vouchers, gift cards, and travel. 18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) (includes a $34 annual account Fee and a $55 Rewards Program services fee) 20.99% p.a. Go to site More info
St.George Amplify Platinum
St.George Amplify Platinum
Choose between 10,000 Amplify or Qantas bonus points. Uncapped points earning. 19.49% p.a. 0% p.a. for 9 months $99 p.a. 20.74% p.a. Go to site More info
Coles Rewards Mastercard
Coles Rewards Mastercard
A low annual fee credit card with a low interest rate and flybuys rewards. 19.99% p.a. $49 p.a. 19.99% p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
Receive 10,000 Velocity bonus points when you spend $300 in the first 3 months, plus a $0 p.a. card fee. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Commonwealth Bank Awards Credit Card
Commonwealth Bank Awards Credit Card
A low interest rate with online security guarantee. Frequent Flyer Awards system, including Bonus Partner Reward Offers. 20.24% p.a. 5.99% p.a. for 5 months $89 p.a. ($59 for qualifying customers) 21.24% p.a. Go to site More info
Citibank Qantas Signature Credit Card
Citibank Qantas Signature Credit Card
Receive 50,000 bonus Qantas Points when you apply by 6 January 2015. Plus earn 1.000 Qantas Point per $1 spent on eligible purchases. 20.99% p.a. 0% p.a. for 6 months $299 p.a. (Reduced annual fee for the life of the card. Usually $395) 21.74% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn four times Velocity points on purchases in the first 3 months plus a low balance transfer offer of 0% p.a. for 14 months 20.74% p.a. 0% p.a. for 14 months $129 p.a. 20.99% p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
Get 25,000 bonus points after your first eligible purchase and earn up to 1.000 Qantas Points per $1 spent on purchases. 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) (includes a $40 annual account fee and a $55 Rewards Program services fee) 21.49% p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points. Also receive discounted Virgin Australia flights each year. Plus a low balance transfer offer of 0.99% p.a. for 6 months. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
Get 25,000 bonus points after your first eligible purchase and earn up to 1.500 Qantas Points $1 spent via AMEX. 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) (includes a $240 annual account fee and a $55 Rewards Program services fee) 21.49% p.a. Go to site More info
Commonwealth Bank Gold Awards Credit Card
Commonwealth Bank Gold Awards Credit Card
A low interest rate on purchases. Complimentary comprehensive travel insurance, 90 day purchase security cover and extended warranty on purchases. 20.24% p.a. 5.99% p.a. for 5 months $144 p.a. ($114 for qualifying customers) 21.24% p.a. Go to site More info
Westpac Earth Black
Westpac Earth Black
A low purchase rate offer of 0% p.a. for 12 months. Earn points with no cap, get dedicated concierge access and Fast-tracked Starwood Preferred Guest Gold Membership status 0% p.a. for 12 months (reverts to 20.24% p.a.) 3.99% p.a. for 6 months $395 p.a. 21.24% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers. 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. 20.99% p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
Earn up to 25,000 bonus Qantas Points after your first eligible purchase. 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) 21.49% p.a. Go to site More info
Citibank Rewards Credit Card - Signature
Citibank Rewards Credit Card - Signature
Get 60,000 reward points on your first eligible purchase. Convert them to Qantas Points. 20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. 21.74% p.a. Go to site More info
NAB Qantas Rewards Card
NAB Qantas Rewards Card
Receive 20,000 bonus Qantas Points when you apply online. 19.99% p.a. 4.99% p.a. for 6 months $65 p.a. 21.74% p.a. Go to site More info
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 12 months with balance transfer fee and a host of platinum privileges. Earn up to 1.250 Citibank Reward points for every $1 spend plus a low introductory purchase rate offer. 0% p.a. for 15 months (reverts to 20.99% p.a.) 0% p.a. for 12 months $199 p.a. 21.74% p.a. Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Commonwealth Bank Platinum Awards Credit Card
A low interest rate with an international travel Insurance and extended Insurance/Purchase/Security benefits. 20.24% p.a. 5.99% p.a. for 5 months $280 p.a. ($250 for qualifying customers) 21.24% p.a. Go to site More info
NAB Velocity Rewards Card
NAB Velocity Rewards Card
Receive 10,000 bonus Velocity points. Earn Velocity Reward points on every $1 you spend on purchase. Get two cards and pay one annual fee. 19.99% p.a. 4.99% p.a. for 6 months $65 p.a. 21.74% p.a. Go to site More info
Citibank Rewards Credit Card - Select
Citibank Rewards Credit Card - Select
Earn 60,000 bonus Qantas Points when you apply by 30 November 2014. Plus earn 1 Qantas Point per $1 spent on eligible purchases. 20.74% p.a. 0% p.a. for 6 months $700 p.a. 21.24% p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 60k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 60k Bonus Points offer
Receive up to 60,000 bonus velocity points. Earn rate of 1.250 Velocity uncapped Points per $1 spent. A low balance transfer offer of 1.9% p.a. for 12 months. 20.74% p.a. 1.9% p.a. for 12 months $289 p.a. 20.99% p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
20,000 bonus Velocity points and half annual fee offer for the first year. 20.74% p.a. 1.9% p.a. for 12 months $145 p.a. annual fee for the first year ($289 p.a. thereafter) 20.99% p.a. Go to site More info
American Express Platinum Card
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you spend $500 on your card. You can transfer points to a choice of 9 leading airline rewards programs, including the Qantas Frequent Flyer program. $1,200 p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
Receive 20,000 bonus reward points and a complimentary insurance. 19.99% p.a. 4.99% p.a. for 6 months $150 p.a. 21.74% p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
A low balance transfer offer of 4.99% p.a. for 6 months as well as 40,000 bonus Qantas Points. Ability to earn 1.500 points per $1 spent on eligible purchases. 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. 21.74% p.a. Go to site More info
Emirates Citibank World Card
Emirates Citibank World Card
Receive up to 40,000 bonus Skyward Miles and half price annual fee for the first year. 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) 21.24% p.a. Go to site More info
Citibank Prestige Card
Citibank Prestige Card
Receive 70,000 bonus reward points on your first spend. Option to earn opt-in to the Qantas Rewards program and earn Qantas Points. 20.74% p.a. 0% p.a. for 6 months $700 p.a. 21.24% p.a. Go to site More info
Bank of Melbourne Amplify Classic
Bank of Melbourne Amplify Classic
Earn Amplify points on purchases to redeem for gift cards, appliances, events and experiences, travel through Amplify Travel. Plus a low balance transfer offer of 0% p.a. for 9 months. 19.49% p.a. 0% p.a. for 9 months $79 p.a. 20.74% p.a. Go to site More info

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11 Responses to How to avoid Foreign Currency Exchange Fees when Travelling

  1. Default Gravatar
    aengus | June 28, 2014

    I like 28 degrees but as they changed the rules on 1st of Jan 2014 and now charge 3% or $4 for cash-out from a preloaded card, I use it for online or credit transactions abroad only

    Cash out, at $2.50 per t transaction, I do via Ing orange everyday, a debit card.

  2. Default Gravatar
    Trevor | February 2, 2014

    We have had a GE 28 Degrees MasterCard while travelling overseas for some years now.
    Plan to travel to Russia, Finland, Sweden, Denmark, Norway then Ireland later this year.
    Can we use this card in these counties? We usually pre load our card before setting off.

    Trevor

    • Staff
      Shirley | February 3, 2014

      Hi Trevor,

      Thanks for your comment.

      Yes you can use the card in those countries and wherever the MasterCard symbol is displayed.

      If you preload the card with funds beforehand, your insurance and security benefits may be voided – so it’s best to confirm this with GE Money before you head overseas.

      Cheers,
      Shirley

    • Default Gravatar
      Anne | February 20, 2014

      Note the GE 28degrees card has changed. You now pay a withdrawal fee for withdrawals from ATM’s even if it is your own money loaded onto the card (i.e. even if it is in credit.) 3% or $4 whichever is the higher amount. Still no international transaction fee though and no currency conversion fee for both ATMs and credit-type transactions.

    • Staff
      Jacob | February 20, 2014

      Hi, Anne.

      Please feel free to have a chat about this product with other users in the finder forum. Here’s a link to the travel money section. Feel free to start a new post on this topic.

      Thanks!

  3. Default Gravatar
    Lisa | August 1, 2013

    Hi there.
    I have been looking at the GE 28 Degrees MasterCard to use while travelling overseas. My concern is that if you use it take money out at an ATM you are charged interest from that time. I believe you can preload the card somewhat (i.e: put it into credit) however, I cannot get a clear answer on how much. Do you know how much you can put it into credit (to avoid paying interest charges)?
    Thanks.

    • Staff
      Jacob | August 2, 2013

      Hi Lisa. Thanks for your question. There’s no limit to amount of funds you can load onto the card to put it into a positive balance. If you do this though, you’re waiving the anti-fraud guarantee. The lender may block your card due to suspicious activity if you deposit too much money onto the card. These are few considerations to think of when you put your account into a positive balance. I hope this helps. Jacob.

  4. Default Gravatar
    Danielle | June 15, 2012

    I am travelling to Europe in July. I will be doing a lot of shopping and will most likely be adding to the amount I am taking overseas on weekly. What do you suggest in me taking? I am really confused and I don’t want to pay a fortune in fees.

  5. Default Gravatar
    Mim | April 2, 2012

    Why is the 28 degree credit card not compared.
    Is there a catch with this card with no transaction fees or atm fees.

    • Staff
      Jeremy | April 23, 2012

      Hi,

      Thanks for the question. This particular card is unique in that it doesn’t charge any withdrawal fee at all for any purchases you make with the card. Overseas ATM withdrawals are also free of fees, apart from the cost imposed by the owner of the ATM which has to be paid by everyone using it. Hope this has helped.

      Cheers
      Jeremy

Credit Cards Comparison

Rates last updated November 1st, 2014
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
A low rate on purchases, balance transfer and a low annual fee. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
Citi Simplicity Card
Citi Simplicity Card
$0 annual fee credit card with a long term balance transfer offer. 19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 12.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No annual fee for the life of the credit card. Plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. 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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