Using a credit card overseas

The best card for your trip depends on how you plan to use it.

For some travellers, a credit card is mainly used for everyday spending like meals, transport and shopping. Others may rely on it to book flights, accommodation, a hire car or cover other expenses during their trip.

It's also worth thinking about how often you travel. If you only travel occasionally, you may not need a card with travel-focused features. If you travel regularly, features like rewards points, travel benefits or lower overseas transaction costs may be more important.

Before you travel, review your card's fees, exchange rate information and overseas transaction conditions to help avoid any unexpected charges.

• An international transaction fee may be charged when you make a purchase with an overseas business. It can also apply to online purchases processed by an overseas merchant, even if you're in Australia at the time.
• When paying overseas, you may be asked whether you'd like to pay in the local currency or Australian dollars (AUD). Paying in AUD can make it easier to see the cost upfront, but the exchange rate may be less favourable than the rate used by your card network. Check the details on the payment terminal before choosing.
• Exchange rates can affect the final amount shown on your statement, as the AUD value may change between the purchase date and when the transaction is processed.