International Travel Credit Cards

Compare credit cards designed for international travellers that offer low or no currency conversion fees, complimentary travel insurance, and the ability to earn rewards or frequent flyer points.

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Updated 12 Dec 2024   |   Rates updated regularly

Comparing of 23 international travel credit cards

FeaturedApply by 1 November 2023

Rewards program

Altitude Rewards

Points per $1 spent

1 Altitude Rewards point

Sign up bonus

100,000 Altitude Rewards points

Annual fee

$99.00 for 1st year

Details

  • Receive 100,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
  • $99 p.a. annual fee for the first year ($150 p.a. annual fee thereafter).
  • Earn 3 Altitude points per $1 on Qantas and Jetstar flights bought in Australia, eligibility criteria apply.

Pros & cons

Pros
  • 100,000 bonus Altitude Points when you spend $3,000 in 90 days.
  • Additional savings with the $99 first-year annual fee ($150 p.a. thereafter).
  • Comes with complimentary travel insurance.
  • Earn 1 Altitude point per $1 spent on eligible purchases.
Cons
  • Only up to 45 days interest-free on purchases.
  • Does not include lounge access.
Apply by 30 April 2025
St.George Amplify Signature Credit Card (Amplify)

On St.George's website

Rewards program

Amplify Rewards

Points per $1 spent

1.50 Amplify Rewards points

Sign up bonus

150,000 Amplify Rewards points

Annual fee

$199.00 for 1st year

Details

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
Westpac Altitude Black Credit Card (Altitude)

On Westpac's website

Rewards program

Altitude Rewards

Points per $1 spent

1.25 Altitude Rewards points

Sign up bonus

100,000 Altitude Rewards points

Annual fee

$200.00 for 1st year

Details

  • Earn up to 150,000 bonus Altitude Points (equivalent to up to $700 in eGift cards). Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
  • Earn 1.25 points per $1 spent on other eligible purchases.
  • No limit on the points you can earn, which is great for high spenders.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • The high annual fee of $295 p.a. after the initial year.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
Westpac Altitude Platinum Credit Card (Qantas)

On Westpac's website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.50 Qantas Points

Sign up bonus

60,000 Qantas Points

Annual fee

$119.00 for 1st year

Details

  • Earn up to 80,000 bonus Qantas Points. Get 60,000 Qantas Points when you spend at least $4,000 on eligible purchases in the first 90 days from new card approval, and an additional 20,000 points after your first eligible purchase in the second year. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn up to 80,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Add 1 additional cardholder at no extra cost.
  • Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
Apply by 30 April 2025
St.George Amplify Signature Credit Card (Qantas)

On St.George's website

Rewards program

Amplify Qantas

Points per $1 spent

0.75 Qantas Points

Sign up bonus

80,000 Qantas Points

Annual fee

$295.00 p.a. ongoing

Details

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros & cons

Pros
  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Includes fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
Apply by 30 April 2025
St.George Amplify Platinum Credit Card (Amplify)

On St.George's website

Rewards program

Amplify Rewards

Points per $1 spent

1 Amplify Rewards point

Sign up bonus

100,000 Amplify Rewards points

Annual fee

$49.00 for 1st year

Details

  • Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
St.George Amplify Platinum Credit Card (Qantas)

On St.George's website

Rewards program

Amplify Qantas

Points per $1 spent

0.50 Qantas Points

Sign up bonus

50,000 Qantas Points

Annual fee

$99.00 for 1st year

Details

  • Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 50,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
NAB Qantas Rewards Premium Credit Card

On NAB's website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.67 Qantas Points

Sign up bonus

70,000 Qantas Points

Annual fee

$150.00 for 1st year

Details

  • Receive 70,000 bonus Qantas Points upon spending $2,000 within the initial 60 days.
  • First-year annual fee reduced to $150 p.a. from $250 p.a. (saving $100).
  • Earn 1 Qantas Point per $1.5 spent on everyday purchases up to $3,000 per statement period, and 1 Qantas Point per $3 spent thereafter (capped at $6,000).
  • Enjoy complimentary Qantas Frequent Flyer membership, saving $99.50.

Pros & cons

Pros
  • The 70,000 bonus Qantas Points.
  • The discounted annual fee for the first year.
  • Free Qantas Frequent Flyer membership (a saving of $99.50).
  • Comes with a host of complimentary insurances when you make an eligible purchase.
  • Visa Premium Access and NAB Concierge Services 24/7.
Cons
  • Points earning capped at $6,000 spent per statement period.
  • Higher annual fee compared to other Qantas cards.
  • Interest rates are high, which is typical for most rewards-earning cards.
Apply by 30 April 2025

Rewards program

Amplify Rewards

Points per $1 spent

1 Amplify Rewards point

Sign up bonus

100,000 Amplify Rewards points

Annual fee

$49.00 for 1st year

Details

  • Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025

Rewards program

Amplify Qantas

Points per $1 spent

0.50 Qantas Points

Sign up bonus

50,000 Qantas Points

Annual fee

$99.00 for 1st year

Details

  • Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 50,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
NAB Qantas Rewards Signature Credit Card

On NAB's website

Rewards program

Qantas Frequent Flyer

Points per $1 spent

1 Qantas Point

Sign up bonus

90,000 Qantas Points

Annual fee

$295.00 for 1st year

Details

  • Gain up to 120,000 bonus Qantas Points. Acquire 90,000 bonus points upon spending $3,000 within the initial 60 days from account approval date and an additional 30,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
  • Benefit from 0% on balance transfers for 12 months with a 3% Balance Transfer Fee.
  • First-year annual fee reduced to $295 p.a. from $395 p.a. (saving you $100).

Pros & cons

Pros
  • Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
  • Six complimentary insurances when you make an eligible purchase.
  • Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period then 0.05 pts per $1 spent thereafter (capped at $20,000).
Cons
  • Annual fee of $395 p.a. is quite high.

Rewards program

Bendigo Bank Rewards

Points per $1 spent

1.50 Bendigo Bank Rewards Points

Sign up bonus

N/A

Annual fee

$89.00 p.a. ongoing

Details

  • Receive 1.5 Bendigo rewards points for each $1 spent.
  • Enjoy up to 90 days of international travel insurance.
  • No charge for supplementary cardholders.

Pros & cons

Pros
  • Earn 1.5 Bendigo Bank Rewards points for every dollar spent.
  • Up to 90 days of international travel insurance in any 12-month period.
  • Comes with an extended warranty on purchases.
Cons
  • No sign up bonus offer as of the moment.
  • No introductory balance transfer offer.
NAB Rewards Signature Credit Card

On NAB's website

Rewards program

NAB Rewards

Points per $1 spent

1.25 NAB Rewards Points

Sign up bonus

180,000 NAB Rewards Points

Annual fee

$145.00 for 1st year

Details

  • Earn up to 180,000 bonus NAB Rewards points. (130,000 bonus points upon spending $3,000 within the initial 60 days from the account approval date and an additional 50,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.)
  • No cap on the number of points you can earn, although the earn rate reduces on spend above $15,000 in a statement period.
  • Transfer points from NAB Rewards to Flybuys, Velocity Frequent Flyer, KrisFlyer, Asia Miles, Airpoints, or Accor Live Limitless.
  • Mobile insurance covering accidental damage and theft.
  • International and domestic travel insurance, and more.
  • No foreign transaction fees on purchases or when shopping from overseas online stores.

Pros & cons

Pros
  • Up to 180,000 bonus NAB Rewards Points when you meet the criteria.
  • No cap on how many points you can earn.
  • NAB Rewards have several transfer partners, giving you options for flight redemptions.
  • Points can be redeemed for cashback, gift cards, and travel with Webjet.
  • Use points to shop the NAB Rewards Store.
  • 0% p.a. on balance transfers for 12 months.
  • International and domestic travel insurance.
  • Credit limits start from $15,000, which is more than enough for most.
  • Free additional cardholder, meaning you can put more spend through the card.
  • 24/7 access to the NAB Concierge Service for reservations and assistance.
Cons
  • There is a 3% balance transfer fee, which can be added to the balance.
  • Instead of an annual fee, there is a monthly fee, which is waived if you spend more than $5,000 in the statement period.
  • Up to 44 interest-free days when you pay the statement in full, which is on the low side.
  • Qantas Frequent Flyer is not a transfer partner.
  • Purchase rates are on the high side, if you carry a balance.
Apply by 30 April 2025

Rewards program

Amplify Qantas

Points per $1 spent

0.75 Qantas Points

Sign up bonus

80,000 Qantas Points

Annual fee

$295.00 p.a. ongoing

Details

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros & cons

Pros
  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
Apply by 30 April 2025

Rewards program

Amplify Qantas

Points per $1 spent

0.75 Qantas Points

Sign up bonus

80,000 Qantas Points

Annual fee

$295.00 p.a. ongoing

Details

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros & cons

Pros
  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.

Travelling overseas can be exciting, but having a plan for accessing your money while abroad is crucial. One option is an international travel credit card.

What is an international travel credit card?

An international travel credit card typically offers features like low or no currency conversion fees, complimentary overseas travel insurance, and the ability to earn rewards or frequent flyer points. While you may not use all its features, having one can provide peace of mind while travelling.

International travel credit cards vs everyday credit cards

An everyday credit card can be used overseas but may not offer the same benefits as a travel credit card. For instance, an everyday card often has higher currency conversion fees, lacks travel insurance, and may not earn rewards points.

The main benefits of a travel credit card include saving money on currency conversion fees and enjoying travel perks such as airport lounge access, insurance, and faster airline status earning.

How to choose a credit card for international travel

When selecting a credit card for international travel, consider the following factors:

  • Low or no currency conversion fees can save on typical travel expenses like accommodation and dining by avoiding high currency conversion fees.
  • Check the annual fee for maintaining the account and whether you use it frequently or not.
  • Complimentary overseas travel insurance policy may only be active if the card was used to pay for travel.
  • Airport lounge access varies between cards, so consider how often and where you can use the lounges.

Help choosing a credit card for international travel

Jet set with confidence - discover the ideal credit card for hassle-free international travel.

  • FAQs

  • Pros & cons

Can I use my everyday credit card overseas?

You can use everyday credit cards overseas, but they often incur currency conversion fees, which can quickly add up.

What's the best international travel credit card in Australia?

There isn’t a single best international travel credit card as individual needs vary. Competitive options for international travellers include the Latitude 28 Degrees Global Platinum Mastercard, Bankwest Breeze Platinum Credit Card, and ANZ Rewards Travel Adventure Credit Card.

Pros

Save on currency conversion

Reduce costs when making purchases overseas or shopping online from international stores.

Enjoy travel perks

Benefits like priority boarding and airport lounge access can enhance your travel experience.

Earn points

Most international travel credit cards offer more points for overseas spending.

Cons

Annual fees

Most travel credit cards charge an annual fee.

Terms and conditions

Travel insurance policies have complex terms that need to be understood.

Lounge access limitations

Access may be limited to certain airlines or chains, and there might be restrictions on the number of visits and guest allowances.

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