✈️
Best Travel Credit Cards
Best cards for international travel — low FX fees, insurance, lounge access
✈️
Best Travel Credit Cards
#1
#1
Bankwest More World Mastercard
BankwestLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$270
Purchase rate14.99% p.a.
Interest-free daysUp to 44 days
Features
Balance transfer6mo @ 0.00%
#2
#2
Smart Awards credit card
Commonwealth BankLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$228
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Features
#3
#3
NAB Rewards Signature Card
NABLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$420
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Features
Balance transfer12mo @ 0.00%
#4
#4
American Express® Platinum Reserve Credit Card
American ExpressLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessinternational
Purchase protectionYes
Key Details
Annual fee$395
Purchase rate23.99% p.a.
Interest-free daysUp to 55 days
Features
#5
#5
Ultimate Awards credit card
Commonwealth BankLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$420
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Features
#6
#6
Bankwest More Platinum Mastercard
BankwestLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessNone
Purchase protectionYes
Key Details
Annual fee$160
Purchase rate14.99% p.a.
Interest-free daysUp to 44 days
Features
Balance transfer6mo @ 0.00%
#7
#7
Orange One Rewards Platinum
INGLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessNone
Purchase protectionNo
Key Details
Annual fee$149
Purchase rate16.99% p.a.
Interest-free daysUp to 45 days
Min income$36,000
Features
#8
#8
Bankwest Qantas World Mastercard
BankwestLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessNone
Purchase protectionYes
Key Details
Annual fee$320
Purchase rate19.99% p.a.
Interest-free daysUp to 44 days
Features
Balance transfer9mo @ 2.99%
#9
#9
Bankwest Qantas Platinum Mastercard
BankwestLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessNone
Purchase protectionYes
Key Details
Annual fee$199
Purchase rate19.99% p.a.
Interest-free daysUp to 44 days
Features
Balance transfer9mo @ 2.99%
#10
#10
Platinum Credit Card
Great Southern BankLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessNone
Purchase protectionYes
Key Details
Annual fee$144
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Features
#11
#11
Bankwest Breeze Platinum Mastercard
BankwestLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessNone
Purchase protectionYes
Key Details
Annual fee$59
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days
Features
Balance transfer24mo @ 0.00%
#12
#12
Low Rate Credit Card
HSBCLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessNone
Purchase protectionNo
Key Details
Annual fee$99
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days
Min income$40,000
Features
Balance transfer12mo @ 0.00%
#13
#13
Bendigo Ready Credit Card
BendigoLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceYes
Lounge accessNone
Purchase protectionYes
Key Details
Annual feeFree
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Features
#14
#14
Latitude 28° Global Platinum Mastercard
Latitude FinanceLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceNo
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$96
Purchase rate28.99% p.a.
Interest-free daysUp to 55 days
Min income$20,000
Features
Balance transfer12mo @ 0.00%
#15
#15
David Jones Prestige Credit Card
Latitude FinanceLive
3% FX
Details+
Travel Features
FX fee3%
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$345
Purchase rate24.99% p.a.
Interest-free daysUp to 44 days
Min income$30,000
Features
Balance transfer12mo @ 0.00%
#16
#16
American Express Platinum Card
American Express?
3.5% FX
Details+
Travel Features
FX fee3.5%
Travel insuranceYes
Lounge accessinternational
Purchase protectionYes
Key Details
Annual fee$1,450
Purchase rate0.00% p.a.
Interest-free daysNone
Features
#17
#17
Macquarie Black Card
MacquarieLive
No FX fee
Details+
Travel Features
FX feeNo FX fee
Travel insuranceNo
Lounge accessNone
Purchase protectionYes
Key Details
Annual fee$249
Purchase rate20.70% p.a.
Interest-free daysUp to 55 days
Min income$70,000
Features
#18
#18
Altitude Black Rewards World Mastercard
WestpacLive
3% FX
Details+
Travel Features
FX fee3%
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 45 days
Min income$75,000
Features
#19
#19
Amplify Rewards Signature
Bank of MelbourneLive
3% FX
Details+
Travel Features
FX fee3%
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days
Features
#20
#20
Amplify Rewards Signature
St GeorgeLive
3% FX
Details+
Travel Features
FX fee3%
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days
Features
#21
#21
Amplify Rewards Signature
BankSALive
3% FX
Details+
Travel Features
FX fee3%
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days
Features
#22
#22
Qantas American Express Premium Card
American ExpressLive
3.5% FX
Details+
Travel Features
FX fee3.5%
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$249
Purchase rate23.99% p.a.
Interest-free daysUp to 44 days
Features
#23
#23
HSBC Premier World Mastercard
HSBCLive
3% FX
Details+
Travel Features
FX fee3%
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$199
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Min income$75,000
Features
Balance transfer12mo @ 0.00%
#24
#24
HSBC Platinum Credit Card
HSBCLive
3% FX
Details+
Travel Features
FX fee3%
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$199
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Min income$40,000
Features
Balance transfer12mo @ 0.00%
#25
#25
HSBC Premier World Mastercard Qantas
HSBCLive
3% FX
Details+
Travel Features
FX fee3%
Travel insuranceYes
Lounge accessdomestic
Purchase protectionYes
Key Details
Annual fee$399
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Min income$75,000
Features
Balance transfer12mo @ 0.00%
These rankings rate every credit cards on one figure. Answer a few questions to see the ones that fit you →
As of 17 September 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 →