|Credit Card||Main Features||Annual Fee||Bankwest Zero Platinum||No Foreign Transaction Fees||$0|
|28 Degrees Platinum||No Foreign Transaction Fees||$0|
|HSBC Platinum||Lounge Access & Travel Insurance||$0*|
|St.George Amplify Signature||Lounge Access & Travel Insurance||$139*|
|Bankwest More World||Lounge Access & No Foreign Transaction Fees||$270|
|American Express Explorer||Lounge Access & Travel Credits||$395|
|Qantas Amex Ultimate||Lounge Access & Travel Credits||$450||Qantas Premier Titanium||Premium Travel||$1,200|
Australians love their travel, so it’s no surprise that one of the most popular credit card categories is always travel-focused products. Choose the best travel credit card, and you can save on foreign transaction fees and enjoy a boost with bonus point offers and the accumulation of frequent flyer miles as the months progress. Plus, many cards in this category provide users with complimentary airport lounge access to take the stress out of transit wait times.
To help you find the right option for you, we’ve compiled a list of the top Aussie travel credit cards for you to consider.
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Bankwest Zero Platinum
Why We Like It:
The Bankwest Zero Platinum credit card, with its no-foreign-transaction-fees setup, helps you dodge those annoying overseas fees that can add up in the blink of an eye.
When you purchase your overseas flights on your credit card, you also receive free international travel insurance covering car rental up to $3,000. It provides unlimited overseas emergency medical and hospital expenses, along with other benefits, too.
When travelling within Australia, there’s also less to worry about. The popular card gives you cover for interstate flight inconvenience, with flight delay expenses up to $100 for a person. On top, you’re covered for loss or damage to personal goods up to the value of $1,000 per person. Some other domestic insurance benefits also apply.
Do you currently not have a Bankwest credit card and want to transfer an outstanding balance over from another card with a different provider? If so, you’ll like that the Bankwest Zero Platinum has a decent balance transfer offer of 2.99% interest for the first 9 months, with a 0% transfer fee.
If, like many people these days, you complete as many of your tasks online as possible, you’ll appreciate Bankwest’s digital offerings. You can access and activate your new credit card through the bank’s handy app as soon as you’re approved.
No set minimum income is required.
28 Degrees Platinum
Why We Like It:
Another favourable credit card with no foreign transaction fees is the Latitude 28 Degrees Platinum card.
It doesn’t charge an annual fee, you get up to 55 days’ interest-free, and the per annum interest rate on purchases and cash advances is 21.99% p.a. The minimum credit limit for the card is $6,000.
One of the coolest things about this card is that it offers customers free Wi-Fi globally – one of the only credit cards in Australia boasting this benefit. This means you can shoot off a quick email while overseas or book a last-minute ticket to a fab event without having to locate an internet café or pay for expensive data roaming on your mobile. Cardholders can use up to 4 devices on a single Boingo wireless hotspot account to receive global internet valued at $14.99USD monthly. This Wi-Fi can be used at a wide variety of worldwide hotspots.
The Latitude 28 Degrees Platinum card provides other benefits we like. For instance, a Flight Delay Pass comes free with the card, which gives you access to airport lounges, drinks, snacks, and Wi-Fi for not only you but also 4 registered travel mates. Use the card at times when your flight is delayed by two hours or more – finally, an upside to a plane not being on time!
No set minimum income is required.
Why We Like It:
No one likes to wait around for their flight, but thanks to the HSBC Platinum credit card, you’re taken care of at the airport when this happens. Sign up for this product, and you’ll receive 2 complimentary airport lounge passes annually via LoungeKey.
As well as access to the HSBC “home&Away” program that gives cardholders discounts on travel, dining, shopping, and more.
You can holiday securely knowing you have included domestic and international travel insurance courtesy of your credit card, too. Plus, the product features rental vehicle and transit accident insurance.
The HSBC Platinum's annual fee is normally $129, but it’s refunded if you spend at least $6,000 on eligible purchases during the year. Once you book an overseas trip or make a few purchases each month, though, you should quickly get to this amount and save yourself the fee as a result.
If you like to attend fun events during your travels, you’ll appreciate that the HSBC Platinum card comes with free access to Visa Premium Benefits. You also get a complimentary membership to Frequent Values to take advantage of discount offers such as up to 25% off retail transactions and 20% off dining at eligible venues.
One of the big reasons we often have a travel-specific credit card is that they help us earn rewards. As an HSBC Platinum cardholder, you’ll earn 2 rewards points on new purchases per $1 spent overseas and 1 point on other transactions. Note, though, that points are capped at $10,000 per statement period. Once you’ve accumulated a good cache of points, you can convert them to Virgin’s Velocity miles, with 1 reward point converting to 0.5 Velocity points.
We also like that this card provides customers with extended warranty insurance, purchase protection, and access to the “guaranteed pricing” scheme for their shopping. Plus, you can use your credit card on your mobile when out and about since it’s compatible with Apple Pay and Google Pay.
You’ll save money if you have a significant balance on another credit card that you want to transfer over to HSBC, too. As a new customer moving your balance, you can take advantage of 0% interest on your transferred balance for 22 months. There’s no transfer fee to shell out for, though you will need to pay a standard 21.99% p.a. interest rate on any transferred balances remaining after the 22 months is up.
The minimum income required is $40,000.
St.George Amplify Signature
Why We Like It:
St.George Amplify Signature credit card will have you kicking back and relaxing at airports when you travel, with 2 complimentary Priority Pass lounge visits included per year.
As a cardholder, you can live like a king or queen when you’re away from home, too. Customers receive free membership to Visa's Luxury Hotel Collection, which gives access to the best available accommodation rates at member hotels and free room upgrades. On top, you can arrange a handy late check out of 3pm at some of the program’s hotels worldwide, so you can really maximise your stay.
Cardholders also receive complimentary overseas travel insurance, which is a great added perk and saves you from buying this cover elsewhere.
Another plus of choosing this St.George card is that it comes with 24/7 access to a concierge service, so you can get help planning your trips and making bookings and securing tickets to events, and more. Leave this in the hands of dedicated experts, leaving yourself more time to enjoy the destinations you travel to.
The purchase interest rate for this card is a lower-than-some 19.74% p.a. Right now, St.George has a special offer on its annual fee that’s worth taking up, too. For the first year, you’ll pay just $139 for access to the card, a significant discount from the typical $279 annual rate you’ll pay in subsequent years.
If you want to use your credit card to boost your frequent flyer points balance, the St.George Amplify Signature can help you do that. Sign up today, and if you spend at least $12,000 on eligible purchases each year, you can earn a whopping 130,000 Amplify Points in the first year and an additional 70,000 points in the second.
Alternatively, you can trade 200,000 Amplify Points in for 100,000 Velocity or KrisFlyer miles to get you ready to fly ASAP. Another option is to trade in for $900 in e-Gift cards if you’d prefer a shopping spree. Be aware, though, that this special offer is only for new customers and not those who currently have any of the Amplify credit card products or have held one in the last 12 months.
Over the years, when you make transactions on your card, you’ll also earn 1.5 Amplify Points on eligible purchases, which you can trade in for 0.75 Virgin Velocity points or Singapore Airlines’ KrisFlyer miles. Happily, you can build this up as much as you like since there’s no earnings cap to worry about. Plus, you can speed up your points earnings by signing up one additional cardholder at no extra cost.
Another benefit you may appreciate with this St.George card is that you get peace of mind when shopping. Enjoy extended warranty, purchase protection, and best price guarantee on goods bought with the card.
No set minimum income is required, but the minimum credit limit on the card is $15,000.
Bankwest More World
Why We Like It:
Great travel perks and a cashback option are what make the Bankwest More World Mastercard a standout.
One of the coolest parts of this card that will have travellers swooning is that customers receive not one, not two, but 10 complimentary airport lounge visits per calendar year. You and your guests can use these passes to access over 1000 lounges worldwide.
Another plus of this Bankwest card is that you won’t be charged any pesky foreign transaction fees for online or in-person overseas purchases.
Plus, you’ll be covered for many issues when you’re away, with complimentary overseas travel and medical insurance, interstate flight inconvenience insurance, and rental vehicle insurance excess when hiring a car internationally.
The purchase interest rate is a favourable 19.99% p.a. for this card. Note, though, that the card does have a reasonably high annual fee of $270, and you must have a minimum credit limit of $12,000.
As a keen traveller, you want to know about earning points on a credit card, too, right? With this product, you’ll receive 2.5 points per $1 spent, which is higher than many other cards. Even better, there’s no cap on point earnings, so you’ll accumulate enough miles for a flight before you know it.
On top, there’s a fantastic bonus point offer to be aware of. Spend $84,000 on eligible purchases yearly, and you’ll score 115,000 extra points. Once you have 325,000 points racked up, you can trade these in for $850 cash back onto your card, which is handy to use on other purchases.
Shop safely and sleep soundly knowing that eligible purchases made on the Bankwest More World MasterCard will be covered with an extended warranty of up to 12 months, not to mention up to 3 months’ purchase insurance, too.
The minimum income required is $76,000.
American Express Explorer
Why We Like It:
The American Express Explorer card allows you to appreciate some cool travel benefits that will bring a smile to your dial.
First, you'll receive a $400 travel credit each year to use on eligible flights, hotels, cars, and more via American Express Travel, so you can start planning a trip away right away.
Secondly, enjoy 2 complimentary entries every year into the American Express Lounge at Sydney or Melbourne International airports. The card also provides complimentary domestic and international travel insurance when booking a return trip on the card. Handily, this cover also extends to your partner and dependent children under 22 years of age.
We also love that with this AMEX card, you receive a hotel credit up to $100 and a room upgrade when you book two consecutive nights’ stay via The Hotel Collection.
The card’s purchase rate is 20.74% p.a. and it gives cardholders up to 55 days’ interest-free. The annual fee is significant at $395, but frequent travellers do get a lot of yearly value for their money.
Right now is an excellent time to sign up for the Explorer card as you get 50,000 bonus rewards points provided you spend $3,000 within the first 3 months of use. That can help you get that free or more affordable flight much sooner. (Points are credited 8-10 weeks after you meet this spending criterion). The offer is only available to new customers who apply online and those who haven’t held an AMEX card within the last 18 months.
A big plus for the card is that point earnings are uncapped, so you can earn as many as you’d like over the years. You’ll collect 2 reward points for every $1 spent on purchases and 1 reward point on government body purchases in Australia.
Redeem your accumulated points with airlines such as Virgin Australia, Singapore Airlines, and others in the American Express partner program. To give you an idea of value, 1 Explorer reward point converts to 0.5 Virgin Velocity points. Plus, you can use your points to pay for holiday travel through online agency Webjet, as well as the travel branch of American Express.
If you want to skyrocket your point earnings so you can go on that bucket list trip as soon as possible, you’ll love the fact that you can add up to 4 free additional cardholders on the card.
Plus, this AMEX product boasts shopping protection perks such as “the buyer’s advantage”, manufacturers' warranty, and purchase and refund protection. Whether you’re shopping within Australia or overseas, the card has you covered.
As for mobile, once you’re an Explorer cardholder, you’ll receive smartphone screen insurance. You can use the credit card on mobile payment Pay apps for Apple, Samsung, and Google, too.
The minimum income required is $65,000.
Qantas American Express Ultimate
Why We Like It:
Another AMEX card that pleases customers with travel credit is the Qantas American Express Ultimate.
Sign up for this product, and you’ll get yourself a $450 Qantas travel credit voucher annually. You can use this amount for any domestic or international Qantas flights. As a result, you only need to take one or two return flights over the year, and the $450 annual fee will have been covered.
On top of this perk, you can treat yourself to airport comfort with the 2 American Express Airport Lounge and 2 Qantas Club lounge entries you receive each year. Get some work done while you wait for your flight or simply enjoy some nice food and drinks before you have to board.
This Qantas AMEX card has an interest rate of 20.74% p.a. and boasts no foreign transaction fees. As such, you’ll save the approximately 3% international transaction costs that so many other cards make you pay for.
When you travel, you don’t want to worry about what happens if something goes wrong. Thankfully, this credit cover provides helpful insurance for you, your partner, and your dependent children under the age of 25.
Provided you pay for your return trips on your card, you’ll be covered for things such as transport accidents, travel cancellations, medical expenses, travel inconvenience up to $200 for delayed flights, and loss or damage to baggage, money, and documents up to $10,000 (conditions apply).
As a Qantas-partnered product, it’s no surprise that this credit card provides users with a great way to earn frequent flyer points. You’ll currently receive 55,000 bonus Qantas points when you sign up and spend $3,000 in the first 3 months. Note that points are credited 8 to 10 weeks after the spending criterion is met, and this offer is only available to new customers or those who last held an Amex card more than 18 months ago.
Another great thing about this card is that there’s no cap on the number of points you can earn. When you shop, you’ll receive 1.25 Qantas points for every $1 spent, except for transactions with government bodies in Australia, which have a smaller 0.5-point value per dollar. Plus, when you purchase Qantas products or services, you’ll get an extra 1 Qantas point per $1 spent.
Other perks for the Ultimate card include getting refund and purchase protection on goods you buy with the AMEX and paying for items via Apple Pay, Samsung Pay, and Google Pay.
The minimum income required is $65,000.
Qantas Premier Titanium
Why We Like It:
If you have a high income level and want to enjoy a raft of premium travel and other benefits, consider the Qantas Premier Titanium card.
You can start with a bang by receiving 150,000 bonus Qantas points if you sign up now and spend at least $5,000 within 90 days of card approval. This offer is only available to new account holders. You must not currently hold any of the Qantas Premier cards or have closed or qualified for Qantas bonus points on any of the Premier cards in the last 12 months, either.
It won’t take long to build your points balance even more as you use your card throughout the year. You’ll earn 1.25 Qantas points on each dollar spent domestically, up to $12,500 per statement period, then above that it’s 0.5 Qantas points per $1 spend. Earnings increase for transactions made internationally or on Qantas products or services, with 2 points for every dollar given out for these.
Another benefit you’ll no doubt be looking for is lounge passes so that you can relax in comfort before a flight. With this card, customers receive multiple opportunities to enter Qantas lounges. Cardholders can enjoy 2 complimentary Qantas First Lounge invitations and 2 additional Lounge invitations per year, so you have access to both Qantas Club Domestic and selected International Business lounges.
Annually, you can take advantage of a 10% discount on eligible Qantas flights for up to two bookings for two people. This perk is available on all fare classes across domestic and international flights. This travel must be arranged through the Qantas Premier Titanium Concierge, though.
The card’s purchase interest is 19.99% p.a. and there’s a considerable annual fee of $1,200 p.a. Users have 55 days’ interest-free on purchases.
Primary and additional cardholders (you can have up to 4) receive 20% bonus Status Credits when booking and paying for eligible Qantas flights using this credit card.
Plus, save yourself time, stress, and money by utilising the access that comes with the card to the Qantas Premier Titanium Concierge. This service can book you Qantas flights with a 10% discount or arrange concert tickets or restaurant reservations when needed.
Insurance isn’t forgotten, either. The card offers domestic and overseas travel insurance that covers medical emergencies and travel cancellation. On top, additional cardholders receive complimentary travel insurance, even if they're not traveling with the primary cardholder.
When purchasing goods with your Qantas Premier Titanium card, you get helpful purchase protection along with 180 days of coverage on eligible purchases worldwide. This is particularly handy for goods you buy while travelling.
The minimum income required is $200,000.
Before you choose a travel credit card, there are a few things to keep in mind. For example, to obtain travel insurance, you must purchase your flights with your credit card. Check the terms and conditions, too, as some products require users to book their flights through the related card concierge service for the insurance to apply.
As for enjoying your free lounge access, in some cases, you must be flying on the specific airline running that lounge to gain access.
'Eligible purchases' is a common term used when providers refer to accumulating frequent flyer points or receiving insurance. Typically, you’ll find that the purchases that aren’t eligible for benefits include things like cash advances, transaction fees, balance transfers, and charges from government bodies.
We hope you found our list of the best travel credit cards in Australia for 2020 helpful! Feel free to comment below with your thoughts on the blog.
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Kredmo Pty Ltd ACN 624 938 932 is not a credit provider and does not provide personal financial or professional advice or credit assistance. Kredmo Pty Ltd is an Australian Credit License holder 518788. The information published on this site/page is of a general nature only and does not consider your personal objectives, financial situation or particular needs. The information published on this site/page should not be relied upon as a substitute for personal financial or professional advice. Kredmo strongly recommends that you seek independent advice before you apply for any product or service, which is described on the site/page... Read More