No foreign transaction fee credit cards

Compare credit cards that don't charge the typical 2-3% foreign transaction fee when shopping overseas or transacting with overseas online retailers.

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Updated 23 Jul 2025   |   Rates updated regularly

Comparing of 20 no foreign transaction fee credit cards

Bankwest Zero Platinum Mastercard

Not available for application via this website

Featured

Bankwest Zero Platinum Mastercard

Foreign exchange fee

$0.00 or 0%

Purchase rate

6 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
  • No foreign transaction fees, including when you're shopping at an overseas online store.
  • No annual fee to pay for the life of the card.
  • Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
  • Credit limits start from a minimum of $6,000.

Pros

  • No annual fee makes this an option for occasional or backup use.
  • Interest-free purchases and balance transfers for 6 months.
  • No foreign transaction fees for foreign currency or overseas purchases.
  • Interest-free repayments for up to five eligible purchases with Easy Instalments.
  • Credit limits start from a minimum of $6,000.
  • Up to 55 days interest-free when you pay the statement balance in full.
  • Balance transfers revert to the purchase rate instead of the higher cash advance rate.
  • Use up to 95% of your credit limit for balance transfers.

Cons

  • There is a 3% fee on balance transfers, which can be added to the balance if desired.
  • You can't earn rewards points, but that's not unusual for a no annual fee card like this.
  • There is a $500 minimum balance transfer amount, although most people transfer more.
Bankwest Breeze Platinum Mastercard

Not available for application via this website

Bankwest Breeze Platinum Mastercard

Foreign exchange fee

$0.00 or 0%

Purchase rate

12.99% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Highlights

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • No foreign transaction fees.
  • Plus, complimentary overseas travel insurance for you and your family.

Pros

  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Low annual fee of $59 p.a.
  • Add up to 3 additional cardholders at no extra cost.
  • Up to 55 interest-free days on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.

Cons

  • No rewards program on this card.
  • There is a 3% BT fee.
  • Cash advance rate is 21.99% p.a.
Cape Mastercard Interest-Free Days Business Credit Card

On website

Cape Mastercard Interest-Free Days Business Credit Card

Foreign exchange fee

$0.00 or 0%

Purchase rate

0% p.a. ongoing

Annual fee

From $383.88 p.a. ongoing

Highlights

With a 0% interest rate, this credit card is a practical option for businesses handling monthly expenses. No foreign transaction fees mean international purchases won’t cost extra. The first month is fee-free, giving you time to settle in. Credit limits go up to $500,000, offering plenty of flexibility. Just keep in mind that the balance must be paid in full each month. A solid choice for businesses needing spending power without interest charges.

Pros

  • Fast application process with approval in just 2 hours.
  • Add unlimited cardholders at no extra cost with the Scale plan.
  • Seamlessly integrate with Xero for streamlined accounting.
  • Enjoy complimentary access to airport lounges worldwide.

Cons

  • Enjoy 30 days APR-free; thereafter, a standard 2.99% fee applies to revolving balances.
NAB StraightUp Credit Card - Unavailable

Not available for application via this website

NAB StraightUp Credit Card - Unavailable

Foreign exchange fee

$0.00 or 0%

Purchase rate

0% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

The NAB StraightUp Credit Card isn’t available for new applications anymore. We’ve left the information online for current customers and anyone curious. Check out other low interest credit cards or no annual fee credit cards.

  • Get the latest credit card from NAB - straightforward, affordable, and above all, interest-free!
  • No Use, No Pay. Should your NAB StraightUp credit card remain unused throughout the entire statement period, the monthly fee will be reimbursed. No unexpected charges!
  • Use your card for foreign currency transactions and get zero foreign transaction fees!
  • Consistent fixed minimum payments determined by your credit limit, providing you with assurance of monthly payment amounts.

Pros

  • Charges a monthly fee based on your selected credit limit.
  • The monthly fee will be reversed if you do not have any outstanding balance or purchase.
  • No interest charges or other fees, including foreign currency fees and late payment fees.

Cons

  • No rewards program for this card.
  • No balance transfers or cash advances.
Latitude 28° Global Platinum Mastercard

Not available for application via this website

Apply by 28 August 2025

Latitude 28° Global Platinum Mastercard

Foreign exchange fee

$0.00 or 0%

Purchase rate

27.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Limited-time offer for new customers: Earn up to $340 in Latitude Rewards when you apply and get approved by 28 August 2025. Get a bonus $100 in Latitude Rewards each month when you spend at least $1,000 in the first 3 months, plus unlock up to $240 in rewards every year on eligible local and overseas purchases. T&Cs apply.
  • Pay no annual fee in the first year*. Keep saving with ongoing annual fee waivers when you spend at least $12,000 each year.
  • There are no foreign transaction fees for purchases during travel or online shopping.
  • Get FREE access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.


*T&C's, annual credit card fee (normally $96), and other charges apply. New customers only, must be approved by 28 August 2025. Minimum spend applies.

Pros

  • Earn up to $340 in Latitude Rewards. New customers only.
  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
  • The $96 annual card fee will be waived for your first year for new and approved customers. To have your annual card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year.
  • Save up to 10% on hotels on your next holiday when booking with Expedia, or Wotif.
  • The Flexiroam feature includes 3GB of free data every calendar year, plus a 15% discount on extra data purchases.
  • Comes with Purchase Protection and E-commerce insurance.
  • Add an additional cardholder at no extra cost.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay

Cons

  • A high purchase interest rate of 27.99% p.a.
  • The cash advance rate is high at 29.99% p.a., so it's best to avoid withdrawing cash with this card.
Coles Rewards Mastercard

Not available for application via this website

Apply by 9 August 2025

Coles Rewards Mastercard

Foreign exchange fee

$0.00 or 0%

Purchase rate

20.74% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Get 10% off one Coles shop (up to $50) and join Coles Plus Saver for free when you apply by 9 August 2025, get approved as a new Coles Plus Saver member, and link your Flybuys. Terms and Conditions apply.
  • Earn 2 points per $1 on eligible spend—this is in addition to the regular Flybuys Points earned from other partners.
  • Pay $0 in international transaction fees for purchases made online or overseas.

Pros

  • Offers shopping discounts of up to $50.
  • Includes Purchase Protection and Extended Warranty insurance.
  • Add up to 4 additional cardholders at no extra cost.
  • Instalment plans are available for large purchases.
  • Up to 44 interest-free days on purchases.
  • Includes Coles Shield for fraud protection.
  • Supports Apple Pay, Samsung Pay, and Google Pay.
  • Credit limit ranges from $1,000 - $100,000.

Cons

  • The ongoing purchase rate and cash advance rate are both 20.74% p.a., which is relatively high.
  • The annual fee of $99 p.a.
  • No international travel insurance.
Bendigo Ready Credit Card

Not available for application via this website

Bendigo Ready Credit Card

Foreign exchange fee

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • No international transaction fees, making it ideal for overseas and online spending.
  • Get up to 90 days of international travel insurance.
  • Includes extended warranty coverage on eligible purchases.
  • Plus a 90-day purchase protection against theft or accidental damage.

Pros

  • A $0 annual fee keeps costs low and makes the card budget-friendly.
  • No additional cardholder fee.
  • Includes fraud monitoring and ensures you won't be held responsible for unauthorized transactions.
  • Access Mastercard Priceless® Cities for exclusive experiences and special offers.
  • The credit limit starts at $3,000, giving you flexibility for larger purchases.
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay,

Cons

  • There is no introductory Balance Transfer offer at the moment.
  • No rewards might seem limiting, but it's ideal for those who prefer simplicity over extras
HSBC Low Rate Credit Card

Not available for application via this website

HSBC Low Rate Credit Card

Foreign exchange fee

$0.00 or 0%

Purchase rate

12.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • The low ongoing purchase rate of 12.99% p.a. helps you save on interest costs.
  • 0% p.a. for 12 months on balance transfers with a 2% fee.
  • With no foreign transaction fees, this card is a great choice for online and international purchases.
  • Includes complimentary domestic travel insurance.

Pros

  • Get a free Frequent Values™ membership, which gives you access to 4,500 promos at select stores, restaurants, hotels, and family attractions.
  • Gives you access to offers from 27,000 local and global retail partners through HSBC’s home&Away Privilege Program.
  • The credit limit starts at $1,000.
  • Get up to Up to 55 interest-free days.
  • This card is compatible with Apple Pay and Google Pay.
  • Take control of your card with the HSBC Australia app

Cons

  • As a low-rate card, this option doesn’t include a rewards program.
  • There’s no first-year waiver on the $99 annual fee.
  • Complimentary international travel insurance is not included, which is typical for a low-rate card.
  • There is a 2% balance transfer fee.
  • Plus, balance transfers revert to the high cash advance rate of 25.99% p.a.
humm90 Platinum Mastercard

Not available for application via this website

humm90 Platinum Mastercard

Foreign exchange fee

N/A

Purchase rate

26.3% p.a. ongoing

Annual fee

$119.40 p.a. ongoing

Highlights

  • Offers up to 110 interest-free days on in-store & online purchases.
  • No foreign exchange fees.
  • A $9.95 monthly account fee spreads the cost over the year, making it easier to manage than a lump-sum annual fee.

Pros

  • humm90/WRAP enables you to convert purchases of $250 into interest-free instalments that you can repay over 9, 12, or 15 months.
  • Get up to 60 months of interest-free finance at humm retail partners.
  • Includes Purchase Protection Insurance and Price Protection Insurance.
  • Compatible with Apple Pay and Google Pay.

Cons

  • The $9.95 monthly fee adds up to $119.40 per year.
  • After 110 interest-free days, interest will be charged at 26.30% p.a. ongoing.
  • You do not earn reward points on this card.
Commonwealth Bank Smart Awards Credit Card

Not available for application via this website

Commonwealth Bank Smart Awards Credit Card

Foreign exchange fee

$0.00 or 0%

Purchase rate

20.99% p.a. ongoing

Annual fee

$228.00 p.a. ongoing

Highlights

  • Earn up to 80,000 CommBank Awards points or up to 50,000 Qantas Points. Receive 20,000 CommBank Awards points or 12,500 Qantas Points each month when you spend $1,500 or more per month for the first 4 months using your new Smart Awards credit card. Terms and Conditions apply.
  • Earn up to 1.5 Award Points per $1 on purchases at major supermarkets, department stores, petrol stations, dining, and utilities, up to $5,000 per statement period. After that, earn 1 point per $1 on all other purchases and 0.5 points per $1 once total spending exceeds $5,000 in a statement period.
  • Points Boost allows you to earn up to 2 Awards Points or 0.8 Qantas Points per $1 spent on your highest eligible purchase made in a statement period up to 1,000 Awards Points or 400 Qantas Points.
  • No international transaction fees for purchases you make overseas or online.
  • Comes with Complimentary International Travel Insurance. T&Cs apply.

Pros

  • Earn up to 80,000 CommBank Awards points or up to 50,000 Qantas Points when you meet the criteria.
  • Earn unlimited Awards Points or Qantas Points each year.
  • Includes access to over 1,300 airport lounges via Mastercard Travel Pass by DragonPass.
  • Redeem your earned points instantly at Myer and Flight Centre.
  • Add an extra cardholder for free and boost your points-earning potential.
  • Includes Complimentary Purchase Security, Price Guarantee, and Extended Warranty insurance.
  • Eligible customers get complimentary access to book flights and hotels through Travel Booking (provided by Hopper).
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay.

Cons

  • You can opt-in to earn Qantas Points for an annual fee of $90.
  • No monthly fee if you spend at least $2,000 per statement period; otherwise, it's $19 per month or $228 per year.
  • Relatively high purchase interest rate and cash advance interest rate.
  • Get up to 44 days interest-free on purchases, which is shorter than some other cards.
Macquarie Black Credit Card with Macquarie Rewards

Not available for application via this website

Macquarie Black Credit Card with Macquarie Rewards

Foreign exchange fee

$0.00 or 0%

Purchase rate

20.7% p.a. ongoing

Annual fee

$149.00 p.a. ongoing

Highlights

  • Earn 2 Macquarie Reward points per $1 spent.
  • Receive up to $94 in gift cards when you spend $10,000 per month.
  • Enjoy up to 4 free additional cardholders.

Pros

  • No international purchase fees.
  • Earn 2 Macquarie Reward points per $1 spent.
  • Macquarie Rewards points can be redeemed for virtual gift cards or as cashback.
  • $94 in gift cards when you spend $10,000 per month.
  • Up to 55 days interest-free on purchase.
  • Comes with complimentary overseas travel insurance and an extended warranty on purchases.
  • Compatible with Apple Pay and Google Pay.

Cons

  • The $249 p.a. annual fee.
  • Points can't be transferred to airline rewards programs.
  • Interest rates are about average for a rewards card, i.e. not very low.
Westpac Lite Mastercard

Not available for application via this website

Westpac Lite Mastercard

Foreign exchange fee

N/A

Purchase rate

9.9% p.a. ongoing

Annual fee

$108.00 p.a. ongoing

Highlights

  • No foreign transaction fees, making it a great choice for overseas spending
  • A low 9.90% p.a. variable purchase rate helps you save on interest.
  • A low $9 monthly card fee makes it an affordable option for everyday use.

Pros

  • Low-interest rate.
  • Get an additional cardholder at no extra cost.
  • The credit limit ranges from $1,000 to $20,000, giving flexibility based on your needs.
  • Access Westpac Extras for additional offers and perks.
  • Includes fraud protection for added security.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program, which is common for a low-rate card.
  • The monthly fee adds up to $108 a year.
Macquarie Visa Platinum Credit Card

Not available for application via this website

Macquarie Visa Platinum Credit Card

Foreign exchange fee

$0.00 or 0%

Purchase rate

20.7% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Earn up to $23.50 in gift cards when you spend $5,000 monthly. Terms and Conditions apply.
  • Earn 1 Macquarie Reward point per $1 spent up to $5,000 per statement period, then 0.5 points per $1 spent beyond that.
  • Benefit from up to 4 free additional cardholders, with the option to add more at an additional cost.

Pros

  • No international purchase fees.
  • Up to 55 days interest-free on purchase.
  • Compatible with Apple Pay and Google Pay.

Cons

  • The $149 p.a. annual fee.
  • Samsung Pay is not supported.
  • Macquarie Rewards has no airline partners.
Bankwest Qantas Platinum Mastercard

Not available for application via this website

Bankwest Qantas Platinum Mastercard

Foreign exchange fee

$0.00 or 0%

Purchase rate

20.49% p.a. ongoing

Annual fee

$160.00 p.a. ongoing

Highlights

  • Get up to 80,000 Qantas Bonus Points when you spend $7,500 on eligible purchases in the first 90 days and keep your card open for over 15 months. Limited time. New customers only, other fees, T&Cs apply.
  • Earn 0.60 points per $1 on your first $2,500 spent on eligible purchases per month, then 0.3 points per $1 thereafter.
  • Get complimentary overseas travel insurance for you and your family when you book your flight with this card
  • No foreign transaction fees on online or overseas purchases.

Pros

  • Earn 80,000 bonus Qantas Points when you meet the eligibility criteria.
  • Includes extended warranty insurance and purchase security insurance (Conditions apply).
  • Uncapped Qantas Points earning potential.
  • Save $99.50 with a complimentary Qantas Frequent Flyer membership included with this card.
  • 2.99% p.a. balance transfer rate with no BT fee for the first 9 months.
  • Add up to 3 additional cards for free.
  • Easy Instalment Plans are available at 0%.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Other rewards cards offer a higher points earn rate.
  • No waiver on the annual fee of $160 per year.
  • The cash advance rate is 21.99% p.a.
  • Only up to 44 interest free days on purchases.
Bankwest Qantas World Mastercard

Not available for application via this website

Bankwest Qantas World Mastercard

Foreign exchange fee

$0.00 or 0%

Purchase rate

20.49% p.a. ongoing

Annual fee

$270.00 p.a. ongoing

Highlights

  • Get up to 100,000 Qantas Bonus Points when you spend $35,000 on eligible purchases in the first 5 months and keep your card open for over 15 months. New customers only, other fees, and T&Cs apply.
  • Earn 1 Qantas Point for every $1 spent, up to $5,000 each month. After that, earn 0.5 points per $1.
  • Uncapped Qantas Points earning potential.
  • Get complimentary overseas travel insurance for you and your family when you book your flight with this card.

Pros

  • Earn up to 100,000 Qantas Bonus Points when you meet the criteria.
  • Includes extended warranty insurance and purchase security insurance (Conditions apply).
  • No fees on overseas and online transactions.
  • 2.99% p.a. balance transfer rate with no BT fee for the first 9 months.
  • Save $99.50 with a complimentary Qantas Frequent Flyer membership included with this card.
  • Easy Instalment Plans are available at 0%.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • An annual fee of $320 per year.
  • No lounge pass included.
  • You must meet the criteria for the minimum credit limit of $12,000.
  • Only up to 44 interest-free days on purchases.

Learn about no foreign transaction fee credit cards

Find out how to save money and avoid unnecessary fees on overseas purchases.

  • FAQs

What is the foreign transaction fee?

It depends. If you are shopping from a UK online store while in Australia, then you will be charged a foreign transaction fee unless you are using a credit card with no foreign transaction fee. If you are on an overseas holiday and use a credit card that does have a foreign transaction fee, then you will be charged for any foreign transactions made while abroad. So, it really depends on the card you have.

It’s important to note that if you are purchasing something overseas or buying from an overseas e-commerce store, you may still be charged a foreign exchange fee.

Is the foreign transaction fee the same thing as the foreign exchange fee?

No. These are two separate fees. Not all banks charge both.

  • The foreign transaction fee is levied on transactions that originate overseas.
  • The foreign exchange fee applies to transactions that are billed in a foreign currency, e.g. GBP, USD, EUR, etc.

Check what you would be charged for either because it is possible that a no foreign transaction fee card may still charge a foreign currency exchange fee.

Even if a no foreign transaction fee card did charge a foreign exchange fee, it would still be cheaper than a card that levied fees on both.

Does the foreign transaction fee cost more than the foreign exchange fee?

No, it generally doesn’t. Typically foreign transactions are charged a flat fee of 1-3% on the total purchase. The foreign exchange fee is typically in the range of 3%, although this varies from bank to bank.

Are there any other foreign fees?

Yes, unfortunately there are.

  • Overseas ATM Balance Fee: Charged every time you check your credit card’s balance using an ATM while overseas.
  • Overseas ATM Withdrawal Fee: Charged every time you withdraw cash from your credit card account from an ATM while overseas.
  • Overseas Cash Advance Fee: Charged every time you withdraw cash from your credit card account while overseas (in addition to the base cash advance rate).
  • Overseas Emergency Card Replacement Fee: Charged if you request a replacement credit card if lost or stolen while overseas.

What would I be charged to withdraw a cash advance from an overseas ATM using my credit card?

This works out to be extremely expensive and should be avoided unless absolutely necessary.

  • Overseas ATM Fee: Typically around $5 per withdrawal, unless you are using an ATM with which your bank has an alliance with.
  • Cash Advance Rate: The base rate of interest for cash advances would be applied, which is typically around 22%.
  • Overseas Cash Advance Fee: Charged in addition to the base cash advance rate.
  • Foreign Exchange Fee: Because you probably will not be able to withdraw AUD.

    As seen on

    Media - The Sydney Morning Herald
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    Media - News.com.au
    Media - Daily Mail Australia
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