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Travelling overseas or in Australia?

We cover the essentials and the little things you may not have thought of.

Prepare, pack & go

Travel money card.

• Load up to 13 foreign currencies for instant access to your cash
• Use it to withdraw cash at ATMs or over-the-counter, or to pay in-store, online or over the phone

Foreign cash

• Order Foreign Cash in branch. 9 currencies available on the spot in selected branches
• Lock in your exchange rate when you order cash so you've got money ready when you arrive

Travel Insurance

• For eligible credit cards

To receive cover, including Overseas Medical cover # , before you leave Australia you must:

1. Spend at least $500 in a single transaction on your prepaid travel costs using your eligible credit card; and

2. Activate your travel insurance

You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption.

• For World Debit Mastercard TM

You need to activate your insurance to receive comprehensive cover. 

Overseas Medical cover, which includes overseas emergency medical assistance and hospital expenses and personal liability cover is automatically included.  

• Cover for the unexpected if things don't go to plan
• Note: There is no cover for cancellation claims related to COVID-19.

Travel further with a Travel Money Card

Lock in your exchange rate today, with up to 13 currencies on one card.

Order online

Before you leave

• Start saving by creating a budget then set a savings goal in NetBank
• Check exchange rates, order a Travel Money Card , order Foreign Cash
• Organise travel insurance  & pack your policy documents
• Need some extra holiday money? Explore our range of personal loans
• Check that the phone/device you’re taking overseas can receive SMS and has the CommBank app installed with notifications allowed
• Make sure your home and contents insurance cover is up-to-date
• Check all your card's expiry dates, withdrawal limits or credit limits
• Tell us before you go  and we’ll keep an eye out for any suspicious activity on your accounts
• Register with Smartraveller  for travel advice and emergency assistance

While you're away

• Keep your cards (plus back-up cards), cash and travel documents somewhere safe
• $0 reload fees when you  reload your Travel Money Card  in NetBank and the CommBank app
• Manage your Travel Money Card including setting a currency order
• Stick to daily transaction and credit card limits
• Pay bills online in NetBank or the CommBank app
• Schedule payments and transfer money in NetBank or the CommBank app

When you get home

• Got leftover currency? Exchange it for another currency, donate it to UNICEF , or  sell it back to us at selected CommBank branches
• Consider topping up your card if you’re travelling overseas again - it’s valid for up to two years
• Use your Travel Money Card for online overseas purchases

In an emergency

• Lock a lost or stolen card  in the CommBank app or NetBank. Unlock your card if you find it or cancel and then request a new one
• Call +61 2 9999 3283 at anytime   if you need to talk to us. When calling from overseas using your mobile, standard roaming charges may apply. To avoid roaming charges, call the international operator in the country you’re in from a land line and provide them our reverse charges number +61 2 9999 3283.
• Call Cover-More 24/7 on  +61 2 8907 5641 if you’ve got travel insurance included with your card or have purchased a CBA Travel Insurance policy and want to make a claim
• What to do if your wallet is lost or stolen

Tools & support

• Tell us before you travel
• Check foreign exchange rates
• Try our savings calculator
• Make a CBA Building or Contents insurance claim
• See overseas support
• Travelling overseas: 10 step money checklist
• How to use a Travel Money Card
• Beginner’s guide to exchange rates
• Tips for travelling with a credit card

You might also be interested in... 

A credit card

A personal loan

We can help

Your questions answered

Call 13 2221 anytime

Visit your nearest branch

Things you should know

Travel Money Card: If ordering online, allow at least five days for delivery. Delivery may take longer outside metropolitan areas, or due to postal delays.

If you activate an international travel insurance policy included with an eligible card or purchase a CBA Travel Insurance Policy, the insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia. 

# For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points.  You will need to provide a copy of the letter/statement/email confirming the redemption.

Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over (for international travel insurance policy included with an eligible card) or persons aged 74 years or over (for CBA Travel Insurance), limits and excesses may apply to all insurances.

Before activating the international travel insurance included in your CommBank credit card please read the  Credit Card Insurances Product Disclosure Statement and Information Booklet  for more information.

Before activating the international travel insurance included in your World Debit Mastercard, please read the  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF)  for more information.

Before making a decision on CBA Travel Insurance, refer to the relevant CBA Travel Insurance Product Disclosure Statement for full conditions. We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase a policy, we (CBA) receive a commission which is a percentage of your premium.

The target market for this product will be found within the product’s Target Market Determination,  available here .

• United States
• United Kingdom

In this guide

Restrictions

Your reviews, ask a question, commbank travel money card review.

Enjoy the safety and convenience of a CommBank Travel Money Card that lets you load 13 currencies at the same time.

The CommBank Travel Money Card is a prepaid Visa card that lets you load up to 13 foreign currencies and lock in exchange rates. You can manage your account online, save on loading fees and enjoy peace of mind thanks to chip and PIN-protection.

Compare more travel money options on finder now

What currencies can I load on the CommBank Travel Money Card?

The CommBank Travel Money Card supports 13 major currencies including:

• United States dollar
• Great British pound
• Australian dollar
• Japanese yen
• New Zealand dollar
• Hong Kong dollar
• Canadian dollar
• Singapore dollar
• Vietnamese dong
• Chinese renminbi
• Emirati dirham

There are no fees involved when you load funds into a foreign currency wallet, transfer funds between currency wallets on the card, or spend money in a currency that isn't loaded or supported by your card. Instead, a retail foreign exchange rate determined by CommBank is applied at the time of conversion. You can find the foreign exchange rates on the CommBank website or on the CommBank app under "Tools & Calculators" and "Foreign Exchange Toolkit".

Your currencies will be locked in at the bank's retail foreign exchange rate applicable on the day your transfer or payment is processed. When loading or reloading, the money will be available the same day for transfers from CommBank transaction accounts and up to two business days for BPAY transactions.

What if I want to spend money in a different currency to the ones loaded on my card?

When spending money in a currency that is unsupported or insufficiently loaded on your card, the next available currency balance in your currency order will be used. You may customise your currency order through NetBank or by calling +61 1300 660 700. Otherwise, the following default currency order applies.

Default currency order:

To illustrate, when paying for a US$50 lunch in Los Angeles, it turns out that you only have US$21 in your US dollar wallet. Instead of declining the transaction, your card is debited in Euros instead, since you have sufficient Euros in your account. CommBank's prevailing retail foreign exchange rate is applied to convert your Euros into US dollars.

Where can I use my Commonwealth Bank Travel Money Card

The CommBank Travel Money Card enjoys the worldwide acceptance of the Visa network and can be used in-store, at ATMs, online, over the phone and by mail order. However certain merchants and financial institutions may not accept the card, including stores where Visa prepaid cards are not accepted or where merchants process transactions manually.

Features of the CommBank Travel Money Card

When you apply for a CommBank Travel Money Card, you can look forward to the following benefits and features:

• Locked-in exchange rates. When you load funds on your card, they'll be locked in at the exchange rate you got when you loaded your card. This will give you peace of mind and help you manage your budget since you don't have to deal with fluctuating exchange rates. Foreign exchange rates are available on the CommBank website or in the CommBank app by following "Tools & calculators" to the "Foreign Exchange Toolkit".
• Additional card. Your free backup card ensures that you'll still be able to access your money should the first card be lost, damaged or stolen.
• Smartphone app. Enjoy the modern convenience of currency planning from your smartphone with the CommBank app. Monitor your expenses, convert currencies and reload funds while on the go.
• Worldwide ATM alliance. The robust Visa alliance ensures that you will be able to access cash almost anywhere in the world.
• Concierge service. Enjoy the luxury of personal concierge services when you need dinner reservations, air tickets, accommodation or concert tickets booked for you.
• Purchase security insurance. If an item purchased on your card gets lost, stolen or damaged in the first 90 days, your card insurance coverage ensures that it will be repaired or replaced for free.

How much does the CommBank Travel Money Card cost?

This table lists the costs associated with this card and when you'll be charged them.

How to use the CommBank Travel Money Card

Follow these simple steps to start using your CommBank Travel Money Card:

• Activating the card. For cards purchased in-branch, your two cards have already been automatically activated. For cards purchased online via NetBank, including replacement or reissued cards, you will need to activate your cards online. In any case, you should set up a PIN for each card by logging in to NetBank, going to a CommBank branch or calling the Travel Money Customer Service Centre at 1300 660 700, or +61 2 9374 0609 from overseas.
• Loading funds on the card. Different currencies can be loaded on your card at the time of purchase, which will be subject to the bank's foreign exchange rates at that time. When reloading the card, funds will be accepted in Australian dollars and converted into your primary currency according to your currency order. The applicable exchange rate is taken on the day your payment is processed, which is instant when paying cash in-branch or transferring funds via NetBank from a CommBank transaction account and up to two business days when using BPAY.When reloading via BPAY, you may only load one currency at a time. You will need to wait for your first BPAY transaction to be completed before changing your currency order and making another transfer to that primary currency. Each load and reload must be more than the equivalent of AUD$1 and less than AUD$100,000.
• Managing your online account. You can manage your account online at NetBank or on your smartphone's CommBank app. You can view your balances and transaction history, transfer currencies within the account, reload funds, and make real-time fund transfers to and from eligible CommBank accounts. You can also change your PIN and currency order, set up SMS alerts and lock or unlock your card for security reasons when necessary.

What do I do if I return home with foreign currency remaining on the card?

Who do i contact if my card is lost, stolen or damaged.

Report loss or theft immediately by calling 1300 660 700 or +61 2 9374 0609 when overseas. Similarly, if you suspect your card has been subject to unauthorised use, notify the bank immediately by calling 13 22 21 or +61 2 9374 0609 when overseas.

How to apply for a CommBank Travel Money Card

For existing CommBank customers with NetBank accounts, ordering is a simple online process which involves logging into NetBank. Your card will then arrive in the mail in under six business days. If you are not an existing CommBank customer, you may get your card straight away by heading into any CommBank branch. Bring your Australian passport or driver's licence for identification purposes.

Are there any eligibility requirements?

While you do not need to be an existing Commonwealth bank customer, you must be more than 14 years old and satisfy customer identification requirements. You will have to register with NetBank when purchasing the card. Also, you are limited to only having five active Travel Money Cards at any one time.

The CommBank Travel Money Card offers up to 13 major currencies and fee-free loads and reloads. Make sure to factor the card issue, replacement fees and ATM withdrawal fees when comparing your options. When deciding which travel card to get, use our travel money comparison table to compare your available options and find the right card for your spending needs.

• CommBank Travel Money Card information PDF
• CommBank Travel Money Card TMD

To ask a question simply log in via your email or create an account .

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February 26, 2024

When useing my travel card is it credit i push to withdraw cash from it at the atm ? Thanks

Elizabeth Barry Finder

April 05, 2024

You should select “Credit” when using this card.

I hope this helps,

December 02, 2019

Can I use this card for everyday purchases within australia, and will there be a fee if I do so?

Nikki Angco

December 04, 2019

Thanks for your comment and I hope you are doing well. You can use the travel money card in Australia. The card can be used everywhere Mastercard is accepted. There can be a fee if you are paying in a currency not loaded onto your card so be sure to nominate AUD as your preferred currency when making purchases and do cash withdrawals at CommBank ATMs.

Hope this helps and feel free to reach out to us again for further assistance.

Best, Nikki

October 21, 2019

I’m in USA. I’m drawing cash from ATM. Do I draw it as Credit or Savings?

October 24, 2019

Hi Marlene,

Thanks for reaching out to Finder. When using the Commonwealth Bank Travel Money Card review, you would select the credit option. As added information, the maximum value of purchases per day is AUD 7,500 or its foreign currency equivalent. The maximum amount you can withdraw from ATMs per day is AUD 2,500 or its foreign currency equivalent. However, most ATM operators have a limit on how much you can withdraw from an ATM per transaction which may be less than the Commonwealth Bank’s maximum. You may want to check out that specific information before withdrawing.

Hope this helps and feel free to write back, we’re here to help.

Cheers, Nikki

September 16, 2019

Do I get charged the 5.25% fee if I am changing currency with in my card eg: US$ to AUD $

September 18, 2019

Hello Connie,

Thanks for getting in touch! As mentioned on our page above, there is no fee when you are transferring between currency wallets on the card, Instead, a retail foreign exchange rate determined by CommBank is applied at the time of conversion. You can find the foreign exchange rates on the CommBank website or on the CommBank app under “Tools & Calculators” and “Foreign Exchange Toolkit”.

Hope this helps!

September 10, 2019

With my CBC travelcard is there any withdrawal fee to withdraw Aus dollars while in Australia (currency on card is Aus dollars)

September 11, 2019

Thanks for getting in touch! The Commonwealth Bank Travelcard doesn’t have any withdrawal charge at any Commonwealth Bank or BankWest ATM in Australia when you withdraw in Australian dollars. Hope this helps and feel free to reach out to us again for further assistance.

The Finder team is dedicated to helping you start making better financial decisions right now. See full profile

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Travel / Travel Money Card

Travel Money Card

Features & benefits, $0 issue fee.

Order a Travel Money Card online or in branch for free. Load up to 13 currencies in NetBank and the CommBank app.  Order online now .

Easy to budget

Lock-in the exchange rate   for up to 13 currencies . Always know how much you have to spend, no matter how the Dubain dollar moves.  Reload now .

Online, in-store, phone payments

Use your Travel Money Card to pay for items at over 61 million locations anywhere in the world (wherever Visa is accepted) – online, in-store or over the phone.  Check the fees .

Alerts when your balance is low

We’ll tell you when your balance is low, so you can reload currency before it runs out.  Opt in for free alerts .

Extra card security

Lost or temporarily misplaced your card, or had it stolen? Lock it then let us know. Keep the money on your card secure,  discover how .

Your purchases, covered

Lost or stolen personal belongings? We may be able to cover the cost to repair or replace them up to 90 days after you’ve bought them.  Here's more on that .

• Currency converter

Exchange rates

No reload fees

You can  load up to 13 currencies  on your Travel Money Card. When you’re ready to pay for something, the applicable currency will automatically be used for the country you’re in. 

Make sure you have enough of the correct currency on your card to avoid additional fees. If you don’t, we’ll use the next available currency instead, so long as there’s enough of it loaded on your card.

If you load multiple currencies on your Travel Money Card, you can  change the order  (the next available currency) anytime. 

Rates & fees

See all fees and charges

Who can apply

To get your Travel Money Card, you’ll need to:

• Be at least 14 years old;
• Be registered to use NetBank;
• Provide a valid email address; and
• Have an Dubain residential address

How it works

Before your trip.

• Order a Travel Money Card in  NetBank  (or at your  nearest branch ) and load at least AUD 50 or the foreign currency equivalent to get started
• Once you’ve got your card,  activate and set PIN online  in NetBank or under Cards in the CommBank app
• Lock-in the rate by  loading currency on your card in NetBank  or the CommBank app

During your trip

• Keep your Travel Money Card and back-up card somewhere safe
• The  local currency is automatically selected  when you pay for something, if it’s loaded on your card
• Stick to daily transaction limits. Maximum value of purchases per day: Unlimited, however no more than your available balance. Maximum amount you can withdraw from over the counter per day: AUD 2,500 or foreign currency equivalent. Maximum amount you can withdraw from ATMs per day: AUD 2,500 or foreign currency equivalent. However, most ATM operators have a limit on how much you can withdraw from an ATM per transaction which may be less than our maximum
• Reload in real time , fee free if your balance gets low

When you’re home

• Got leftover currency? Exchange it for another currency or back into your CommBank account from  NetBank  or the CommBank app
• Top up  your Travel Money Card (it’s valid for two years) in preparation for your next trip
• Donate  your foreign (and local) currency to any CommBank or Bankwest branch and every cent will go to UNICEF

Planning an overseas trip?

Discover travel tips to help make the most of your European summer holiday.

See travel tips

Managing your Travel Money Card

You’ve got your new card, here’s how to get the most out of it.

Detailed info on getting started, loading and re-loading currencies, setting a currency order, checking the balance and tracking your spend. Plus info on Purchase Security Insurance Cover.

Discover more

Emergency support & tools

What to do if you’ve lost your card or it’s stolen.

If you’ve lost your Travel Money card, or you think it might’ve been stolen, we can have an emergency replacement card sent to you anywhere in the world.

You may also be eligible for an Emergency Cash Advance, giving you access to cash within 24-48 hours (often on the same day).

Call us in an emergency on:

• 1300 660 700  within Dubai
• +61 2 9999 3283 from overseas (reverse charges accepted). 

When calling from overseas using your mobile, standard roaming charges may apply. To avoid roaming charges, call the international operator in the country you’re in from a landline and give them our reverse charges number +61 2 9999 3283.

Tools & calculators

• Saving calculator
• Budget planner
• How to use a Travel Money Card
• Managing multiple currencies on your Travel Money Card
• Travelling overseas: 10-step money checklist  
• Beginners guide to exchange rates
• Online banking while overseas  
• Planning an overseas holiday

We can help

Your questions answered

Get in touch

Visit your nearest branch

Things you should know

1  The cash withdrawal fee will not apply to cash withdrawals made in Dubai.

As this advice has been prepared without considering your objectives, financial situation or needs, you should before acting on this advice, consider its appropriateness to your circumstances.  The Product Disclosure Statement and Conditions of Use  (PDF) issued by Commonwealth Bank of Dubai ABN 48 123 123 124 for Travel Money Card should be considered before making any decision about this product.  View our Financial Services Guide  (PDF).

For more information relating to the complimentary Purchase Security Insurance refer to Travel Money Card Complimentary Insurance Information Booklet  (PDF).

To raise a dispute related to your Travel Money Card please complete  this form for transactions  (PDF) or  this form for ATM disputes  (PDF).

BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Any withdrawal or balance enquiry fee will come from the currency for which you are using your card. If this currency is not loaded on your card, the fee will be taken from the first (or sole) currency loaded on your card. Any SMS balance alert fee will come from the first (or sole) currency loaded on your card.

The target market for this product will be found within the product’s Target Market Determination,  available here .

• Join CHOICE

Travel money cards with the lowest fees

We look at seven travel money cards from the big banks and airlines..

Prepaid travel money cards are offered by major banks, airlines and foreign exchange retailers like Travelex. Before travelling overseas, you load money into the card account, which locks in the exchange rate for foreign currencies at that time. 

You can then use the card for purchases and cash withdrawals just like a debit or credit card, usually wherever Visa and Mastercard are accepted. 

You can reload money on-the-go via an app or website, and if the card is lost or stolen, it can be replaced (usually at no cost to you).

Prepaid travel money cards also give you assurance that you're not handing the details of your everyday banking account to merchants you're not familiar with, and they provide easy access to cash when you want some, says Peter Marshall, head of research at money comparison website Mozo .

CHOICE tip: Travel money cards are best for longer trips. They're usually not worth your while if you're only taking a short trip, as some have closure, cash out and inactivity fees.

Travel money card fees

A major difference between prepaid travel cards and debit or credit cards is their fees. Some costs aren't immediately apparent, such as hefty margins built into the exchange rates.

And although fees have come down since we looked at these cards two years ago, you still need to watch out for:

• fees to load the card – either a percentage of the total or a flat fee
• ATM withdrawal fees
• a cross currency fee or margin when you use the card in a currency you haven't preloaded
• further fees if you close the account or haven't used the card for a period of time.

Travel money card with the lowest fees and best exchange rate

Westpac worldwide wallet.

Westpac closed its Global Currency Card in July 2021 and offers its new card in partnership with Mastercard.  It's also available from Bank of Melbourne and BankSA.

Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, ZAR.

Key features:

• No loading, reloading, closing or inactivity fees.
• Free to use it in network ATMs in Australia and partner ATMs overseas in a range of countries including the UK, US and New Zealand.
• A charge applies at non-Westpac and non-partner ATMs in Australia and overseas.
• Best exchange rates for the US dollar, the Euro and GBP in our comparison.*
• The only card that lets you preload the South African rand.

Other travel money cards

Next to the Westpac Worldwide Wallet, there are six other travel money cards available.

Australia Post Travel Platinum Mastercard

Available online or at post offices.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED.

• Fee to reload the card via BPay, debit card or instore, but free via online bank transfer.
• Closure fee.
• Fees for ATM withdrawals in Australia and overseas.

Cash Passport Platinum Mastercard

It's issued by Heritage Bank and is available online and from a number of smaller banks and credit unions (like Bendigo Bank and Bank of Queensland) as well as travel agents. 

• Fee to reload with a debit card or instore, but free via BPay.

CommBank Travel Money Card

CommBank Travel Money Card (Visa)

As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY.

• Fee if you make a purchase with currencies not preloaded.
• Fee for withdrawals at overseas ATMs.

Qantas Travel Money Card

Qantas Travel Money Card (Mastercard)

The only travel money card offering from an airline. It can be added as a feature to your Qantas Frequent Flyer card, so you don't need a dedicated card, and you can earn points using it.

• Free to reload via bank transfer or BPay, but there's a reload fee if using debit card.

Travelex Money Card

Travelex Money Card (Mastercard)

Travelex is an international foreign exchange retailer. In Australia, it operates more than 140 stores at major airports and shopping centres, across CBDs and in the suburbs. It was the card with the best exchange rate for New Zealand dollars.*

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD.

Fees : 

• Load fee instore, but free via Travelex website or app.
• Reload fee instore or via BPay, but free via Travelex website or app.
• Closure fee and monthly inactivity fee (if not used for 12 months).

Travel Money Oz Currency Pass

Travel Money Oz Currency Pass (Mastercard)

The Travel Money Group is owned by Flight Centre and is a foreign exchange retailer. 

• Reloading the card via an online bank transfer or instore is free, but there's a fee if you reload via BPay, debit card or credit card. 
• Cash out (closure) fee. 

Travel money card tips

• Make sure the card allows the currencies you'll need, and also consider stopovers. For example, the South African rand is only supported by the Westpac card.
• Try to load your card with the right currencies and amounts on days with good exchange rates. 
• Make sure you know how to reload your card if you run out of funds while overseas.
• It may be more convenient to choose a card that has an app that can be linked to your bank account.
• Avoid loading more money than you'll need as there may be fees and exchange rate margins to get the unused money back.
• Remember to cancel the card once you're finished your trip, especially if it has inactivity fees.
• Be mindful that you still may need a credit card, as travel money cards may not be accepted as security for hotels and car rental agencies. 

Stock images:  Getty, unless otherwise stated.

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• Personal Banking
• Pre-paid Cards

Travel Card

Travel around the world with ComBank Pre-paid Travel Card.

Terms & conditions apply

ComBank Visa Travel Card can be used to make all kinds of payments when you travel abroad. It ensures convenience and security of your payments and can use as an alternative to travelers cheques and currency notes.

• Card uses the EMV technology and it ensures maximum security against cloning and counterfeit usage.
• PIN preferred card. If the POS device supports PIN, cardholder will be asked to enter the PIN. This provides protection against theft.
• Contactless payments ensures convenience.
• Accepted worldwide.
• Transactions are billed in preferred currency.

Secured mode of payment compared to cash when travelling abroad.

Convenient and hassle free.

Instant SMS / e-mail updates to notify transactions.

Transaction details can be viewed from the web instantly.

• Travel Card can be loaded with FCY value equaling to your Foreign currency allowance.
• Transactions are recorded and you can keep a track of your spending aboard.
• Travel Card is accepted around the world by 35 million merchants and 2 million ATMs.
• You do not need to pay commissions at the time of issuance unlike foreign currency.
• Card can be topped-up subject to Foreign Exchange Management regulations. You can reuse the card during your subsequent visits abroad as well.
•  Security measures : If you lose the card, you can immediately contact the ComBank Call Center (+94 11 2 353 353) and stop further transactions being carried out through the card. It will prevent unauthorized transactions. Travel Card is EMV enabled to provide maximum protection against skimming or cloning of the card and against counterfeit transactions.
• Transactions and billing : Each card type can be used for transactions in any currency. However, transactions will get billed in currency of the card which is displayed on the face of the card. Multiple currency conversion happens during settlement of the transaction based on exchange rates specified by Visa Inc.

Product information and terms & conditions are subjected to change. Therefore, it is advisable to contact the branch nearest to you for the latest information and prevailing terms & conditions. 

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Credit Card or Travel Card: Which Should You Use Overseas?

Which type of credit card is cheaper to use for overseas transactions? We answer this question by comparing the fees of the most popular credit cards and travel credit cards and share our thoughts on which card is better to use on your travels.

When traveling overseas a credit card is a handy back-up option in case of emergencies or unforeseen circumstances. Unfortunately, it can also be very easy to rack up credit card fees on international transactions.

What will this article cover?

• Pros and Cons

Credit Card: Fees and Charges

Travel credit card: fees and charges.

• Rewards and benefits for each card
• So which one is best?

Who can apply?

Pros and Cons: Credit Cards

• Favourable annual fees
• Affordable minimum credits
• Free additional cardholders
• Travel insurance offered with premium versions of credit cards offered
• No reward schemes with credit cards
• No travel insurance with standard low rate credit cards
• Higher fees charged for premium credit card
• Australian permanent resident requirement for some credit cards

Pros and Cons: Travel Credit Cards

• Attractive reward schemes available through travel credit cards
• Low or zero international transaction fees
• Complimentary travel and/or medical insurance offered with a lot of cards
• Frequent flyer points to help you get discounted or free flights
• High minimum credit for travel credit cards
• High annual fees
• Usually an extra cost for additional card holders
• High minimum monthly salary requirement
• For some travel credit cards you have to be a permanent Australian resident

Credit cards can help make advance purchases that your debit card can't quite stretch to. However, they also have a lot more fees than debit cards.

There are 7 main fees and charges involved with credit cards:

• Purchase Interest Rate
• Balance Transfer Interest Rate
• Cash Advance Interest rate and cash advance fee
• Late payment fee
• International Transaction fee
• Emergency fee: Lost or stolen and needs replacement

We’ve put together a table below outlining the main fees for 5 of the most popular credit cards out there.

All figures were collected August 2018. Please be aware that some of these figures may reflect promotional offers by the bank at that time.

*CommBank, NAB, Westpac and ANZ each have premium versions of their Low Rate credit cards which, although slightly higher fees, have complimentary travel and/or medical insurance.  

**Citibank offer standard complimentary purchase cover insurance and transit accident insurance. Other Citibank credit cards offer complimentary travel and/or medical insurance. 

Although a lot like credit cards, travel credit cards often come with higher fees simply because they come with very attractive travel reward schemes in return.

We’ve put together a table below showing you the main fees and charges involved.

All figures were collected in August 2018

*ANZ will also waive the cash advance fee if you use your ANZ Rewards Travel Adventures account to withdraw actual cash from a branch or ATM located overseas. A cash advance fee will apply to any other cash advances on your account.

**ATM operators will often charge their own fees though, so be aware.

What are the rewards and benefits for the most popular credit cards and travel cards?

Credit and travel credit cards tend to have higher fees than debit cards, but also offer attractive reward schemes for spending the extra money. Sometimes the amount of money you pay for the credit card is totally worth what you get back.

For example, with the American Express Explorer Travel Credit card you spend $395 in annual fees, but you receive up to $400 worth in travel-related rewards. In any situation, make sure you're happy with the level of rewards you get for your outgoings, before you commit to a credit card.

We’ve put together a table below summarising the rewards for the cards mentioned in this article. This should give you some idea of what you will get, but we suggest doing your own research before applying.

So which type of card should you use on overseas transactions?

Generally, you should only apply for a credit or travel credit card if you are confident you can pay back your loan. You need to be able to meet your monthly salary requirements and minimum repayments, otherwise you'll be hit by hefty interest rates.

If you're looking for a credit card to fund your travels, then we recommend a credit card like the ANZ Low Rate Credit card, as they have lower fees attached.

However, if you earn enough to afford the higher requirements for a travel credit card, such as the 28 Degrees card or other frequent flyer cards, then you can reap the benefits from rewards schemes, concierge services and travel insurance offered exclusively by these cards.

Taking into account total fees, pros and cons, reward and interest rates, we have put together a list of each card from cheapest to most expensive.

Credit Cards

• Westpac Low Rate Credit Card
• Citibank Simplicity Card
• ANZ Low Rate Credit Card
• NAB Low Rate Credit Card
• Commonwealth Low Rate Credit Card

Travel Credit Cards

• American Express Qantas Discovery Card
• 28 Degrees Credit Card
• ANZ Rewards Travel Adventures Card
• American Express Explorer Credit Card
• Virgin Velocity High Flyer Credit Card

Whatever your reason for applying for a credit or travel credit card, there is plenty of information online so we suggest doing your own research first before applying to make sure you get the right card for you.

For all credit cards and travel credit cards, you will have to have a good credit score so the bank or provider can trust that you will repay the money they loan.

For some, you will have to earn over a certain amount e.g. ANZ Rewards Travel Adventures card requires a minimum annual salary of $35,000 p.a., and Virgin Money Velocity High Flyer card requires a minimum of $75,000 p.a.

It is best to do your research beforehand. Some of the requirements might include: age, residency, minimum income, and credit history. At the very least, you'll need your personal details, ID and proof of income to apply.

All banks and credit card providers have high security measures. Some offer more protection than others, but in most cases, credit cards and travel credit cards will offer:

• Refund protection
• Purchase protection
• Online Fraud Protection
• Emergency card replacement
• Global Card Support