Credit Card (click to scroll down)Main FeaturesAnnual Fee
Bankwest Zero PlatinumNo Forgein Transaction Fees$0
28 Degrees PlatinumNo Forgein Transaction Fees$0
St.George Amplify SignatureLounge Access & Travel Insurance$139 in 1st year
ANZ Rewards Travel AdventuresBest All Rounder$225
Bankwest More WorldLounge Access & No Forgeign Transaction Fees$270
American Express Velocity PlatinumLounge Access & Complimentary Flights$375
Qantas American Express UltimateLounge Access & Travel Credits$450
Qantas Premier TitaniumPremium Travel$1,450

 

Whether it's saving you money or boosting your travel points, having the best travel credit cards can help a whole lot. These cards 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 transactions fees, cash advances, government bodies and balance transfers.

Or check out similar credit cards:

best frequent flyer credit cards.

Bankwest Zero Platinum

  • Fees: No Foreign Transaction Fees.

  • Extras: Travel Insurance.

  • Annual Fee: $0.

Why We Like It:

The Bankwest Zero Platinum helps you dodge those overseas fees with its no foreign transaction fees feature. Plus, when you purchase an overseas flight on the credit card you can get free international travel insurance. This covers unlimited overseas emergency medical and hospital expenses, car rental up covered up to $3,000 and more. 

Or when travelling domestically you can have cover for interstate flight inconvenience insurance. Covering the 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.

If you're interested interest rate offers, it does have a decent balance transfer offer of 2.99% for the first 9 months and a 0% transfer fee.

 

Extra Benefits:  

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.

 

Income Eligibility: 

No set minimum income is required.

 

28 Degrees Platinum

  • Fees: No Foreign Transaction Fees.

  • Extras: Free Global Wi-Fi.

  • Annual Fee: $0.

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. 

 

Extra Benefits:  

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.  

 

Income Eligibility: 

No set minimum income is required.

 

St.George Amplify Signature

  • Lounge: 2 complimentary Priority Pass lounge visits.

  • Extras: Overseas Travel Insurance

  • Annual Fee: $179 in 1st year. Thereafter it's $279.

Why We Like It:

St.George Amplify Signature can have you kickback and relax while traveling with its 2 complimentary Priority Pass lounge visits per year. Secure 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. 

When taking your holiday overseas feel free to take advantage of its 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.

 

Extra Benefits:  

It has frequent flyer bonus points split over two years. 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. Over the two years, its the equivalent of up 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. To speed up your point earnings you can add one additional cardholder for free. 

Shop with more peace of mind with its extra benefits like extended warranty, purchase protection, and best price guarantee.  

 

Income Eligibility: 

No set minimum income required, but the minimum credit limit is $15,000.

 

ANZ Rewards Travel Adventures

  • Lounge: 2 Virgin Single Entry Lounge Access Passes Per Year. 

  • Extras: No foreign transaction fees.

  • Annual Fee: $225.

Why We Like It:

Look no further than the ANZ Rewards Travel Adventure for an all-round travel credit card. It surprisingly stocks all your traveling benefits in a single card. To start, each year you can earn a complimentary Virgin Australia return domestic flight; if you spend $500 on eligible purchases in the first three months (flight must be booked 60 days before your travel). 

Plus, get two single entry passes to the Virgin Australia domestic lounge when traveling on a Virgin domestic flight; offer is only available when $500 spent in the first three months. 

When traveling overseas or doing online shopping on international websites save money by not paying foreign transactions fees.

The Purchase interest rate on this credit card is standard at 20.24% p.a. with an annual fee of $225. The minimum credit limit is average at $6,000. 

 

Extra Benefits:  

On your travel adventures get more protected with its suite of insurance benefits. Cover is provided for overseas travel and medical insurance, interstate flight inconvenience insurance, and rental excess cover.

Even have your own personal concierge 24/7 to assist you with hotel or car rental bookings or restaurants and more. 

Furthermore, purchase your next online or in-store goods with more confidence by being covered with Purchase security insurance covering purchases anywhere in the world within first 90 days.; covers loss, theft, or accidental damage over a wide range of new personal goods. 

In addition, want to earn rewards too when you shop? Then get 1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period. Also, get 0.5 Reward Points per $1 spent on eligible purchases above the $2,000.

For bonus points, you can earn 75,000 Velocity Points when you spend $2,500 on eligible purchases within 3 months of the approval date. 

 

Income Eligibility: 

Minimum income is required is $35,000.

 

Bankwest More World

  • Lounge: LoungeKey access with 10 airport lounge visits per year. 

  • Extras: No foreign transaction fees. 

  • Annual Fee: $270.

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. 

 

Extra Benefits:  

Shop with extra protection and have your eligible purchases covered with extended warranty up to 12 months extra and up to 3 month purchase insurance.

Earn 2.5 points per $1 spent with no cap. Plus, get annual bonus points of 115,000 if you spend $84,000 on eligible purchases each year. The accumulation of 325,000 points can be traded in for $850 cash back. 

 

Income Eligibility: 

The minimum income required is $76,000.

 

American Express Velocity Platinum

  • Lounge Access: 2 entries yearly to American Express Lounge at Sydney or Melbourne International Airports. Virgin Australia lounge passes yearly.

  • Points Per Spend: Complimentary domestic return flight (economy) via Virgin Australia.

  • Annual Fee: $375.

Why We Like It:

The American Express Velocity Platinum is an exciting choice right off the bat. Its travel benefits include a complimentary domestic return flight (economy) via Virgin Australia between selected cities each year.

Kick back more when traveling between selected domestic airports by using its Virgin Australia lounge passes provided yearly.

Furthermore, you get two entries each year to the American Express Lounge at the Sydney International or Melbourne International Airports. 

It covers you with domestic and international travel insurance when booking flights with your credit card. But if you encounter flight delays, missed connections or delayed luggage then its travel inconvenience insurance can have you covered.

Its interest rate is standard at 20.74% p.a. and has an annual fee of $375 p.a. 

 

Extra Benefits:  

Receive 24/7 platinum priority service to assist you with planning and book flights, events, car rentals and more. Or when making purchases online or in-store receive refund protection and purchase protection services. 

It has a bonus offer of 50,000 Velocity Points that sweetens the deal. Eligibility for the bonus points requires $3,000 spend within the first 3 months.

For your everyday purchases, each $1 spent receives 1.25 Velocity Points. Get 0.5 Velocity Points for government bodies. Plus, any purchases with Virgin Australia will earn you 1 extra Velocity Point per $1 spent.

If you're a mobile payments person then you can use Apple Pay, Samsung Pay, and Google Pay with this card.

 

Income Eligibility: 

The minimum income required is $65,000.  

 

Qantas American Express Ultimate

  • Lounge Access: 2 American Express Airport Lounge & 2 Qantas Club lounge entries yearly.

  • Extras: $450 Qantas Travel Credit yearly for domestic or internationally Qantas flights.

  • Annual Fee: $450.

Why We Like It:

One thing to love about the Qantas American Express Ultimate are its travel credits. This card offers a $450 Qantas Travel Credit each year for any domestic or internationally Qantas flights. This kinda covers for the card's annual fee.

Treat yourself to airport comfort with its 2 American Express Airport Lounge and 2 Qantas Club lounge entries each year.

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.  

 

Extra Benefits:  

When you travel get 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. 

It has 55,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Every $1 spent earns 1.25 Qantas, except for government bodies in Australia which earn 0.5 Qantas Points.

On top, when you buy Qantas products or services you'll get an extra 1 Qantas Point per $1 spent. Besides having great points, this card has no cap on points earned!

Shopping sometimes feels lighter with extra protection. Which is why this credit card includes refund and purchase protection. With mobile payments growing in popularity it's good to know this card works on Apple Pay, Samsung Pay and Google Pay. 

 

Income Eligibility: 

The minimum income required is $65,000.  

 

Qantas Premier Titanium

  • Bonus Points: 150,000 Qantas Points.

  • Extras: 2 complimentary Qantas First Lounge Invitations and 2 additional Lounge Invitations per year.

  • Annual Fee: $1,200.

Why We Like It:

A premium travel credit card with frequent flyer points and an extensive suite of benefits is the Qantas Premier Titanium. First, it offers 150,000 bonus Qantas Points if you spend 5,000 in 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. 

Get multiple lounge accesses to different Qantas lounges. Two complimentary Qantas First Lounge Invitations and two additional Lounge Invitations per year; getting 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). Although do remember to book your travel through your Qantas Premier Titanium Concierge. 

The purchase interest is 19.99% p.a. combined with an annual fee of $1,200 p.a. Minimum income is $15,000 and 55 days interest free. 

 

Extra Benefits:  

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, the Qantas Premier Titanium concierge allows you to book Qantas flights with your 10% discount or concert tickets or to make a restaurant reservation. 

Stay insured while traveling domestically or overseas. As the card offers medical emergency, travel cancellation. Additional cardholders are also covered by complimentary travel insurance 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. 

 

Income Eligibility: 

The minimum income required is $200,000.

 

We hope you found our list of best travel credit cards in Australia for 2019 helpful! Feel free to comment below with your thoughts on our blog.

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