|Credit Card||Main Features||Annual Fee||Bankwest Zero Platinum||No Foreign Transaction Fees||$0|
|28 Degrees Platinum||No Foreign Transaction Fees||$0|
|St.George Amplify Signature||Lounge Access & Big Bonus Points||$139*|
|Bankwest More World||Lounge Access & No Foreign Transaction Fees||$270|
|Qantas Amex Ultimate||Lounge Access & Travel Credit||$450||Qantas Premier Titanium||Lounge Access & Big Bonus Points||$1,200||Amex Platinum||Unlimited Lounge Access & Travel Credit||$1,450|
Whether it's to save on foreign fees or boost your travel points, having the best travel credit cards can draw bigger benefits. They bring to the table big bonus points offers, no foreign transaction fees or frequent flyer points to get free flights.
It gets even better when you enjoy complimentary airport lounge access while traveling in transit. Considering all the exciting travel features, we have put together a list of our best travel credit cards in Australia for each main feature category.
Here are some key points to remember when using travel cards. To get traveler insurance you must always purchase the flights with the credit card. Some cards even require the cardholder to book flights through the concierge. Getting free lounge accesses sometimes means that you must be flying on that lounge's airline.
'Eligible purchases' is a common term used when providers refer to frequent flyer points or insurances. Typically, non-eligible purchases relating to frequent flyer points usually include transaction fees, cash advances, government bodies, and balance transfers.
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Bankwest Zero Platinum
Why We Like It:
The Bankwest Zero Platinum helps you dodge those overseas fees with its no foreign transaction fees benefit.
When purchasing an overseas flight on the credit card you can get free international travel insurance. Covering unlimited overseas emergency medical and hospital expenses, car rental up covered up to $3,000 and more.
With domestic traveling, you can have cover for interstate flight inconvenience insurance. Taking care of flight delay expenses up to $100 for a person, loss or damage to personal goods covered up to $1,000 for a person, and more.
Its purchase interest rate is 17.99% p.a. But if you're looking for a lower interest rate credit card with the exact same benefits mentioned above then check out the Bankwest Breeze Platinum with 12.99% p.a. at an annual fee cost of $99 p.a.
Bankwest thankfully offers its cards in digital form too! Allowing you to access and activate your new credit card through the Bankwest app, as soon as you’re approved.
Are you interested in doing a balance transfer? It has a decent balance transfer offer of 2.99% for the first 9 months with a 0% transfer fee.
No set minimum income is required.
28 Degrees Platinum
Why We Like It:
Another great credit card with no foreign transaction fees is the 28 Degrees Platinum. Its one of the only cards in Australia that offers you free Global wi-fi. You can use up to 4 devices for a single Boingo account for Global wifi (value is 14.99 USD per month) at these worldwide hotspots.
Other details of the card are no annual fee, 21.99% p.a on purchases and cash advances and up to 55 interest free days. Its minimum credit limit is set at $6,000.
International travel insurance and Flight Delay Pass both come complimentary on the card. Flight Delay Pass gives you access to airport lounges, drinks, snacks and wifi for you and four registered travel mates if your flight is delayed by two hours or more. There is finally now an upside to a delayed flight.
Ever need help with planning your travels? Use their free concierge service anytime to help with planning, book flights or accommodation or restaurant reservations.
It has extra protection insurance that is optional. But you have to apply and pay for it. It includes purchase protection, price protection, life benefit and repayment benefit insurance for 1% of your monthly closing balance, up to a maximum of $50 a month.
No set minimum income is required.
St.George Amplify Signature
Why We Like It:
St.George Amplify Signature can have you kicking-back and relaxing at airports with 2 complimentary Priority Pass lounge visits per year.
Secure a free membership to Visa's Luxury Hotel Collection. Providing the privileges of best available rates, free room upgrades, and late check of 3 pm at some of the hotels worldwide.
Furthermore, you get 24/7 access to its concierge service to assist you with planning your travel, lifestyle events and bookings.
For your overseas holidays you can take advantage of the complimentary overseas travel insurance.
It has a special annual fee offer of $139 in the first year and $279 thereafter. Its purchase interest is 19.74% p.a.
Split over two years, you can get 130,000 Amplify Points in the 1st year and in the 2nd year another 70,000 points when you spend at least $12,000 on eligible purchases each year. Or trade those two years of points to 100,000 Velocity points or KrisFlyer Miles or $900 in e-Gift cards.
For each $1 spent you earn 1.5 Amplify Points on eligible purchases and yep it's uncapped too! Then trade your 1.5 Amplify points in for 0.75 Velocity points or KrisFlyer Miles.
Speeding up your point earnings comes at no cost with one additional cardholder for free.
Add peace of mind to your shopping cart with its benefits such as extended warranty, purchase protection, and best price guarantee.
No set minimum income required, but the minimum credit limit 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.
Enjoy 10 complimentary airport lounge visits each calendar year. You and your guests can access over 1000 lounges worldwide wide.
Make purchases and not worry about paying foreign transaction fees on your online and overseas purchases.
Stay covered while travelling with its complimentary overseas travel and medical insurance, interstate flight inconvenience insurance and rental vehicle insurance excess when hiring a car overseas.
The purchase interest is 19.99% p.a. with an annual fee of $270 and minimum credit limit of $12,000.
Shop with extra safety and have your eligible purchases covered with extended warranty up to 12 months extra and up to 3 month purchase insurance.
Receive 2.5 points per $1 spent and no cap on point earnings. Annually, you can score a bonus of 115,000 points if you spend $84,000 on eligible purchases each year. A collection of 325,000 points can be traded in for $850 cash back.
The minimum income required is $76,000.
Qantas American Express Ultimate
Why We Like It:
Its travel credit is one thing to really love about the Qantas American Express Ultimate. It's a $450 Qantas Travel Credit each year for any domestic or internationally Qantas flights, kinda covering the annual fee.
Its no foreign transaction fees work in your favor, saving you 3% on each transaction overseas.
Its interest rate is 20.74% p.a. with an annual fee of $450 p.a.
Have a complimentary cover for you and your family. Covering medical expenses, transport accident cover, travel cancellations, baggage money and documents, and travel inconvenience up to $200 for flight delays.
Being a frequent flyer points card, it currently offers 55,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Also, earn $1 spent earns 1.25 Qantas, except for government bodies in Australia which earn 0.5 Qantas Points.
When you purchase Qantas products or services you get an extra 1 Qantas Point per $1 spent. Besides having great points, this card has no cap on points earned!
Be more at ease as you shop knowing you have both refund and purchase protection. And pay for your goods now through apps Apple Pay, Samsung Pay and Google Pay.
The minimum income required is $65,000.
Qantas Premier Titanium
Why We Like It:
Premium travel benefits combined with Qantas frequent flyer points is the makeup of the Qantas Premier Titanium.
First, it offers 150,000 bonus Qantas Points if you spend $5,000 in the first 90 days from approval.
Second, earn 1.25 Qantas points on domestic spend up to $12,500 per statement period. 2 points on international spend and 2 additional points on Qantas products or services.
Have multiple lounge accesses to various Qantas lounges. These are 2 complimentary Qantas First Lounge Invitations and 2 additional Lounge Invitations per year; giving you access to Qantas Club Domestic and selected International Business Lounges.
Even get 10% discount on eligible Qantas flights for up to two bookings per a year for two people on all fare classes (both international and domestic flights) when booked via the Qantas Premier Titanium Concierge.
The purchase interest is 19.99% p.a. combined with an annual fee of $1,200 p.a. Its minimum limit is $15,000 and interest free days up to 55 days.
Both the primary and additional cardholders can take advantage of the 20% bonus Status Credits when you book and pay for eligible Qantas flights using your card.
In addition, through the Qantas Premier Titanium Concierge get concert tickets or make a restaurant reservation.
Stay insured while traveling domestically or overseas with its medical emergency and travel cancellation covers. Additional cardholders can also be covered too even if they're not traveling with the primary cardholder.
Finally, when purchasing goods you have purchase protection and 180 days of coverage on eligible purchases worldwide.
The minimum income required is $200,000.
American Express Platinum
Why We Like It:
The American Express Platinum comes with a full range of travel benefits and bonus points.
While in transit, you and a guest can relax at the American Express Global Lounge Collection - one of the biggest lounge collections with 1,200 airport lounges across 130 countries. What's even better is that additional card members get Priority Pass membership too and can bring a guest.
Book your travel services via American Express Travel to use its yearly $450 travel credit towards eligible flights, hotels, car rental and more.
Snap up travel discounts via its complimentary Platinum International Airline Program. Offering discounts of up to 20% on First and Business class with Qantas, Virgin, Emirates and more.
Under its Fine Hotels & Resorts Program, you'll find complimentary benefits available to an average value of $700 AUD. Such as free room upgrades, 4 pm late checkout and more. These benefits are supplied at 975 properties at 5-star level based globally.
More complimentary memberships and programs include the Accor Plus valued at $399/year. The Hotel Elite Status, American Express Invites and AFR digital subscription ($628/year value).
Stay covered with its domestic and travel insurance for you and your partner, and dependent children up to 24 years of age.
Its cost comes at an annual fee of $1,450 p.a. with up to 44 cash flow days.
Need help with planning your experiences? Then call your complimentary platinum concierge 24/7 for assistance with suggestions and bookings.
Kick-off your new card with 80,000 bonus points when you spend $3,000 in the first 3 months.
Earn high rewards points by 2.25 points per $1 on eligible everyday purchases. And 1 point on government bodies in Australia. Plus, its point earnings are uncapped, so the sky's the limit.
Points can be converted to flyer points to several Amex Airline Award Partners, including Velocity Points and 2 hotel programs.
Other complimentary insurances are the smartphone screen insurance, extended warranty and purchase protection.
Have the choice to setup up mobile payments with either Apple Pay, Samsung Pay and Google Pay.
The minimum income required is $100,000.
We hope you found our list of best travel credit cards in Australia for 2020 helpful! Feel free to comment below with your thoughts on our blog.
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