The highest-scoring credit cards for travelling overseas.
- First6/6travel score
Bankwest More World MastercardBankwest$270 annual fee · More Rewards · No overseas fee · Travel insurance · Lounge accessGo to site - Second6/6travel score
NAB Travel CardNAB$395 annual fee · NAB Rewards · No overseas fee · Travel insurance · Lounge accessGo to site - Third6/6travel score
Commonwealth Bank Ultimate credit cardCommonwealth Bank$840 annual fee · CommBank Yello Program · No overseas fee · Travel insurance · Lounge accessGo to site
Ranked by a travel score out of 6, highest first; ties broken by rewards earn rate. Leaves out cards that charge a foreign-transaction fee and have no complimentary travel insurance. Compares 23 card issuers, not the whole market.
The other 72 cards
Ranked by a travel score out of 6, highest first; ties broken by rewards earn rate.
| # | Card | Annual fee | Fee in year one | Overseas fee | Travel insurance | Lounge | Travel perks | Links |
|---|---|---|---|---|---|---|---|---|
| 4 | NAB Travel Card · VelocityVelocity Rewards | $395 | $395 | None | Yes | Yes | 6/6travel scoreLevel with first ranked | Go to site |
| 5 | Revolut Credit Card · Ultra planRevPoints | $2,399.76 | $2,399.76 | None | Yes | No | 5/6travel score1 fewer than first ranked | Go to site |
| 6 | ING Orange One Rewards PlatinumCash back | $149 | $149 | None | Yes | No | 5/6travel score1 fewer than first ranked | Go to site |
| 7 | Bankwest Qantas World MastercardQantas Frequent Flyer | $320 | $320 | None | Yes | No | 5/6travel score1 fewer than first ranked | Go to site |
| 8 | Revolut Credit Card · Metal planRevPoints | $695.76 | $695.76 | None | Yes | No | 5/6travel score1 fewer than first ranked | Go to site |
| 9 | Bankwest Qantas Platinum MastercardQantas Frequent Flyer | $199 | $199 | None | Yes | No | 5/6travel score1 fewer than first ranked | Go to site |
| 10 | Great Southern Bank Platinum Credit CardCashback | $288 | $288 | None | Yes | No | 5/6travel score1 fewer than first ranked | Go to site |
| 11 | Revolut Credit Card · Premium planRevPoints | $287.76 | $287.76 | None | Yes | No | 5/6travel score1 fewer than first ranked | Go to site |
| 12 | Bankwest Breeze Platinum Mastercard | $59 | $59 | None | Yes | No | 5/6travel score1 fewer than first ranked | Go to site |
| 13 | Bendigo Ready Credit Card | None | None | None | Yes | No | 5/6travel score1 fewer than first ranked | Go to site |
| 14 | Westpac Lite CardWestpac Extras | $216 | $216 | None | No | Yes | 4/6travel score2 fewer than first ranked | Go to site |
| 15 | American Express Platinum CardMembership Rewards | $1,450 | $1,450 | 3.5% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 16 | American Express® Platinum Reserve Credit CardMembership Rewards | $395 | $395 | 3.5% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 17 | Macquarie Black CardMacquarie Rewards | $249 | $249 | None | No | No | 3/6travel score3 fewer than first ranked | Go to site |
| 18 | BankSA Amplify Rewards SignatureAmplify Rewards Points | $370 | $274 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 19 | Westpac Altitude Black Rewards World MastercardAltitude Rewards | $370 | $275 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 20 | St George Amplify Rewards SignatureAmplify Rewards Points | $370 | $274 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 21 | Bank of Melbourne Amplify Rewards SignatureAmplify Rewards Points | $370 | $274 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 22 | MoneyMe Luxury Escapes CardLuxury Escapes | $149 | $149 | None | No | No | 3/6travel score3 fewer than first ranked | Go to site |
| 23 | American Express Explorer Credit CardMembership Rewards | $395 | $395 | 3.5% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 24 | MyCard PremierMyCard Rewards program | $300 | $300 | 3.5% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 25 | Qantas Money Titanium Credit CardQantas Frequent Flyer | $1,200 | $1,200 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 26 | Bank of Melbourne Amplify Rewards PlatinumAmplify Rewards Points | $250 | $174 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 27 | St George Amplify Rewards PlatinumAmplify Rewards Points | $250 | $174 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 28 | Westpac Altitude Rewards PlatinumAltitude Rewards | $250 | $174 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 29 | BankSA Amplify Rewards PlatinumAmplify Rewards Points | $250 | $174 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 30 | American Express Qantas American Express Ultimate CardQantas Frequent Flyer | $450 | $450 | 3.5% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 31 | American Express Velocity Platinum CardVelocity Rewards | $440 | $440 | 3.5% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 32 | Macquarie Platinum CardMacquarie Rewards. | $149 | $149 | None | No | No | 3/6travel score3 fewer than first ranked | Go to site |
| 33 | Qantas Money Platinum Credit CardQantas Frequent Flyer | $399 | $349 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 34 | American Express Qantas American Express Premium CardQantas Frequent Flyer | $249 | $249 | 3.5% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 35 | Latitude Finance David Jones Prestige Credit CardEarn David Jones credit card points | $345 | None | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 36 | Latitude Finance Latitude 28° Global Platinum MastercardLatitude Rewards | $96 | None | None | No | No | 3/6travel score3 fewer than first ranked | Go to site |
| 37 | St George Amplify Qantas SignatureQantas Frequent Flyer | $295 | $295 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 38 | Westpac Altitude Qantas BlackQantas Frequent Flyer | $295 | $295 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 39 | Bank of Melbourne Amplify Qantas SignatureQantas Frequent Flyer | $295 | $295 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 40 | Westpac Altitude Velocity BlackVelocity Rewards | $295 | $295 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 41 | BankSA Amplify Qantas SignatureQantas Frequent Flyer | $295 | $295 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 42 | Virgin Money Virgin Australia Velocity High Flyer Credit CardVelocity Rewards | $349 | $349 | 3.3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 43 | Virgin Money Anytime Rewards Credit CardVirgin Money Rewards | $169 | $169 | None | No | No | 3/6travel score3 fewer than first ranked | Go to site |
| 44 | MyCard Premier · VelocityVelocity Rewards | $300 | $300 | 3.5% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 45 | MyCard Premier QantasQantas Frequent Flyer | $350 | $350 | 3.5% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 46 | Westpac Altitude Qantas PlatinumQantas Frequent Flyer | $175 | $175 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 47 | St George Amplify Qantas PlatinumQantas Frequent Flyer | $175 | $175 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 48 | Bank of Melbourne Amplify Qantas PlatinumQantas Frequent Flyer | $175 | $175 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 49 | BankSA Amplify Qantas PlatinumQantas Frequent Flyer | $175 | $175 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 50 | Westpac Altitude Velocity PlatinumVelocity Rewards | $175 | $175 | 3% | Yes | Yes | 3/6travel score3 fewer than first ranked | Go to site |
| 51 | Revolut Credit Card · Plus planRevPoints | $143.76 | $143.76 | None | No | No | 3/6travel score3 fewer than first ranked | Go to site |
| 52 | Commonwealth Bank Interest-free Low Fee credit card | $240 | $240 | None | No | No | 3/6travel score3 fewer than first ranked | Go to site |
| 53 | Commonwealth Bank CommBank Neo Card | $360 | $360 | None | No | No | 3/6travel score3 fewer than first ranked | Go to site |
- 4
NAB Travel Card · Velocity6/6travel scoreLevel with first ranked$395 annual fee · Velocity Rewards · No overseas fee · Travel insurance · Lounge access - 5
Revolut Credit Card · Ultra plan5/6travel score1 fewer than first ranked$2,399.76 annual fee · RevPoints · No overseas fee · Travel insurance - 6
ING Orange One Rewards Platinum5/6travel score1 fewer than first ranked$149 annual fee · Cash back · No overseas fee · Travel insurance - 7
Bankwest Qantas World Mastercard5/6travel score1 fewer than first ranked$320 annual fee · Qantas Frequent Flyer · No overseas fee · Travel insurance - 8
Revolut Credit Card · Metal plan5/6travel score1 fewer than first ranked$695.76 annual fee · RevPoints · No overseas fee · Travel insurance - 9
Bankwest Qantas Platinum Mastercard5/6travel score1 fewer than first ranked$199 annual fee · Qantas Frequent Flyer · No overseas fee · Travel insurance - 10
Great Southern Bank Platinum Credit Card5/6travel score1 fewer than first ranked$288 annual fee · Cashback · No overseas fee · Travel insurance - 11
Revolut Credit Card · Premium plan5/6travel score1 fewer than first ranked$287.76 annual fee · RevPoints · No overseas fee · Travel insurance - 12
Bankwest Breeze Platinum Mastercard5/6travel score1 fewer than first ranked$59 annual fee · No overseas fee · Travel insurance - 13
Bendigo Ready Credit Card5/6travel score1 fewer than first rankedNo annual fee · No overseas fee · Travel insurance - 14
Westpac Lite Card4/6travel score2 fewer than first ranked$216 annual fee · Westpac Extras · No overseas fee · Lounge access - 15
American Express Platinum Card3/6travel score3 fewer than first ranked$1,450 annual fee · Membership Rewards · 3.5% overseas fee · Travel insurance · Lounge access
Scored 3 for no foreign-transaction fee, 2 for complimentary travel insurance, 1 for lounge access; ties broken by rewards earn rate.
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Ranked here on one figure. The questions price each card on what you spend, what you carry and the rewards you collect, fees counted.
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As of 1 November 2026, the top-scoring travel card tracked by BankMate is the Bankwest More World Mastercard, with no foreign-transaction fee, complimentary travel insurance and lounge access. How we rank



























































