No Foreign Transaction Fee Credit Cards

Explore no foreign transaction fee credit cards in Australia with rewards, no annual fees or low rates to help you enjoy a seamless travel experience.

Checked by Kredmo team.

Updated on 20 Aug, 2026
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Rewards & Frequent Flyers

6 Credit Cards

Credit Card

  • Bonus Offer
  • Points Per $
  • Annual Fee
  • Flyer Program
  • Net Rewards
Bankwest Qantas World
Bankwest Qantas World
  • Bonus Offer 100,000
    Qantas Points
  • Points Per $ 0.5 - 1
  • Annual Fee $320
  • Flyer Program Qantas
  • Net Rewards
    $-
Go To Site
Bankwest Qantas World
  • Top 5 Frequent Flyer Points
  • No Foreign Transaction Fees
  • Frequent Flyer Points
    Frequent Flyer Points
    Travel Services
    Free Qantas Frequent Flyer membership
    Travel Insurance
    International Travel Insurance
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $12,000
Annual Fee: $320
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 44 days
Minimum Repayment: Greater of $20 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $25
No Foreign Transaction Fees: Yes
Travel Insurance: International Travel Insurance
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Services: Free Qantas Frequent Flyer membership
Bonus Points Offer: 100,000 Qantas Points when you spend $35,000 on eligible purchases in the first 5 months and keep your card open for over 15 months. Offer is available to new credit card customers only who must not have opened a Bankwest Qantas Mastercard in the last 24 months.
Points Per $1 Spend: 1 Qantas point on the first $5,000 spent on eligible purchases per month and 0.5 Qantas points after that.
Point Earning Limit: Uncapped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
Bankwest Qantas Platinum
Bankwest Qantas Platinum
  • Bonus Offer 80,000
    Qantas Points
  • Points Per $ 0.3 - 0.6
  • Annual Fee $199
  • Flyer Program Qantas
  • Net Rewards
    $-
Go To Site
Bankwest Qantas Platinum
  • No Foreign Transaction Fees
  • Frequent Flyer Points
    Frequent Flyer Points
    Travel Services
    Free Qantas Frequent Flyer membership
    Travel Insurance
    International Travel Insurance
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $199
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 44 days
Minimum Repayment: Greater of $20 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $25
No Foreign Transaction Fees: Yes
Travel Insurance: International Travel Insurance
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Services: Free Qantas Frequent Flyer membership
Bonus Points Offer: 80,000 Qantas Points when you spend $7,500 on eligible purchases in the first 90 days and keep your card open for over 15 months. Offer is available to new credit card customers only who must not have opened a Bankwest Qantas Mastercard in the last 24 months.
Points Per $1 Spend: 0.6 Qantas points on the first $2,500 spent on eligible purchases per month and 0.3 Qantas points after that.
Point Earning Limit: Uncapped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
Bankwest More World
Bankwest More World
  • Bonus Offer 50,000
    More Rewards Points
  • Points Per $ 2.5
  • Annual Fee $270
  • Flyer Program -
  • Net Rewards
    $-
Go To Site
Bankwest More World
  • No Foreign Transaction Fees
  • Mastercard Travel Lounge Access
  • $
    Cashback
    Cashback
    Airport Lounge Access
    10 airport lounge visits each calendar year for you & guests to over 1,300 lounges worldwide Mastercard Travel Pass
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $12,000
Annual Fee: $270
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 44 days
Minimum Repayment: Greater of $20 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $25
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Airport Lounge: 10 airport lounge visits each calendar year for you & guests to over 1,300 lounges worldwide Mastercard Travel Pass
Bonus Points Offer: 50,000 More Rewards Points when you spend $10,000 on eligible purchases in first 90 day from approval and keep your card open for over 15 months. Offer is available only to customers who have not opened a Bankwest More card in the last 24 months.
Points Per $1 Spend: 2.5 More Rewards points on eligible purchases.
Point Earning Limit: Uncapped
Redeem Points: 22,000 points can get you a $50 gift card or cashback.
Bankwest More Platinum
Bankwest More Platinum
  • Bonus Offer 50,000
    More Rewards Points
  • Points Per $ 2
  • Annual Fee $160
  • Flyer Program -
  • Net Rewards
    $-
Go To Site
Bankwest More Platinum
  • No Foreign Transaction Fees
  • $
    Cashback
    Cashback
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $160
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 44 days
Minimum Repayment: Greater of $20 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $25
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Bonus Points Offer: 50,000 More Rewards Points when you spend $5,000 on eligible purchases in first 90 day from approval and keep your card open for over 15 months. Offer is available only to customers who have not opened a Bankwest More card in the last 24 months.
Points Per $1 Spend: 2 More Rewards points on eligible purchases.
Point Earning Limit: Capped
Redeem Points: 22,000 points can get you a $50 gift card or cashback.
Commbank Smart Awards
Commbank Smart Awards
  • Bonus Offer 40,000
    CommBank Awards Points
  • Points Per $ 1 - 2
  • Annual Fee $228
  • Flyer Program Qantas
  • Net Rewards
    $-
Go To Site
Commbank Smart Awards
  • No Foreign Transaction Fees
  • $100 Travel Credit
  • Mastercard Travel Lounge Access
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    Mastercard Travel Pass membership to over 1,300 airport lounges worldwide
    Travel Insurance
    International Travel Insurance
    Mobile Pay
    CommBank Pay, Google Pay, Samsung Pay, Beem It Pay
    Entertainment
    Priceless Cities
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $228
Minimum Credit Limit: $3,000
Annual Fee Offer: $0 if spend at least $2,000 in each statement period
Additional Cardholders: $10 per annum additional cardholder fee
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $20
No Foreign Transaction Fees: Yes
Travel Insurance: International Travel Insurance
Mobile Pay: CommBank Pay, Google Pay, Samsung Pay, Beem It Pay
Travel Credit: $100 Travel Credit
Entertainment: Priceless Cities
Airport Lounge: Mastercard Travel Pass membership to over 1,300 airport lounges worldwide
Bonus Points Offer: 40,000 CommBank Awards Points and $100 in Travel Credits when you spend $4,500 or more on eligible purchases within the first 90 days of opening your new card.
Points Per $1 Spend: 1 Commbank Awards point per $1 spent up to $5,000 in a statement period, then 0.5 Awards points thereafter. 1.5 Commbank Awards points at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants & fast food) and utilities (electricity, gas & water). 2 bonus Commbank Awards points per $1 on highest eligible purchase up to 1,000 bonus Commbank Awards points in a statement period.
Point Earning Limit: Uncapped
Flyer Points Conversion Rate: 1 Commbank Awards point = 0.4 Qantas points or 0.5 Velocity points.
Redeem Points: 10,950 Commbank Awards can get you a $50 gift card. 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
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Low Rates / No Annual Fees

5 Credit Cards

Credit Card

  • Rate
  • Rate Offer
  • Annual Fee
  • BT Offer
  • Min Income
Commbank Neo
Commbank Neo
  • Rate 0%
  • Rate Offer -
  • Annual Fee $300
  • BT Offer -
  • Min Income $0
Go To Site
Commbank Neo
  • Top 5 Low Rate
  • No Foreign Transaction Fees
Purchase Interest Rate: 0% p.a.
Maximum Credit Limit: $3,000
Annual Fee: $300
Additional Cardholders: No fee for additional cardholder
Minimum Credit Limit: $1,000
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $0
No Foreign Transaction Fees: Yes
Westpac Lite
Westpac Lite
  • Rate 9.9%
  • Rate Offer -
  • Annual Fee $108
  • BT Offer -
  • Min Income $30,000
Go To Site
Westpac Lite
  • Top 5 Low Rate
  • No Foreign Transaction Fees
  • Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 9.9% p.a.
Maximum Credit Limit: $20,000
Annual Fee: $108
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Minimum Credit Limit: $1,000
Late Payment Fee: $0
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Bankwest Breeze Platinum
Bankwest Breeze Platinum
  • Rate 12.99%
  • Rate Offer -
  • Annual Fee $59
  • BT Offer 0% for 24 months
  • Min Income $15,000
Go To Site
Bankwest Breeze Platinum
  • Top 3 Balance Transfer Offers
  • No Foreign Transaction Fees
  • Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 12.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $59
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $20 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $25
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Balance Transfer Rate: 0% p.a. for 24 months
Max BT Amount: 95% of the credit limit
Balance Transfer Fee: 3%
Interest Free Days With BT: Yes
BT After Rate: 12.99% p.a.
BT After Rate: 12.99% p.a.
HSBC Low Rate
HSBC Low Rate
  • Rate 12.99%
  • Rate Offer -
  • Annual Fee $99
  • BT Offer 0% for 12 months
  • Min Income $40,000
Go To Site
HSBC Low Rate
  • No Foreign Transaction Fees
  • Travel Insurance
    Domestic Travel Insurance
    Mobile Pay
    Apple Pay
    Entertainment
    Frequent Values Membership
Purchase Interest Rate: 12.99% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $99
Additional Cardholders: No fee for additional cardholders
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Cash Advance Rate: 25.99% p.a.
Late Payment Fee: $30
No Foreign Transaction Fees: Yes
Entertainment: Frequent Values Membership
Mobile Pay: Apple Pay
Travel Insurance: Domestic Travel Insurance
Balance Transfer Rate: 0% p.a. for 12 months
Max BT Amount: 90% of the credit limit
Balance Transfer Fee: 2%
Interest Free Days With BT: Yes
BT After Rate: 25.99% p.a.
BT After Rate: 25.99% p.a.
Bankwest Zero Platinum
Bankwest Zero Platinum
  • Rate 18.99%
  • Rate Offer 0% for 6 months
  • Annual Fee $0
  • BT Offer 0% for 6 months
  • Min Income $0
Go To Site
Bankwest Zero Platinum
  • Top 3 Purchase Rate Offers
  • No Foreign Transaction Fees
  • Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 18.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $0
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $20 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $25
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Rate Promo: 0% p.a. for 6 months
BT After Rate: 18.99% p.a.
Balance Transfer Rate: 0% p.a. for 6 months
Max BT Amount: 95% of the credit limit
Balance Transfer Fee: 3%
Interest Free Days With BT: Yes
BT After Rate: 18.99% p.a.
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Tips & Tools

Essential Tips and Tools for Smart Borrowing

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Best Travel Credit Cards in Australia
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Best Velocity Points Credit Cards in Australia
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Best Qantas Points Credit Cards Australia
Blog & Resources
Guide

No Foreign Transaction Fees Credit Cards Guide

How We Rank The Rewards Cards With No Foreign Transaction Fees

At Kredmo, we use a data-driven Value Methodology to rank every card on this page:

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    Sign-Up Bonus Impact: We analyze the true value of 100k+ bonus point or cash-back offers after meeting minimum spend.
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    Points Weighted Earn Rate: We calculate the "dollar per points" value from from actual aveage Australian household spending splits (e.g., 35% Groceries, 15% Fuel, 20% Utilities) to show to best estimate what you could earn.
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    Capped and Uncapped Points: We calculate the earn rate caps or "Tiered Earn Rates" for cards with both spending amount maximums and point earning maximums.
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    Redeem Points Dollar Value: We calculate the dollar value from earned rewards points for reach rewards program for each redeem category cash back, gifts cards, domestic and international flights.
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    Cost Efficiency: We factor in the cost of the annual fee so to evaluate whether your rewards earned outweigh the annual fee or not to reveal the Year 1 Net Profit. Ensuring your rewards are an asset, not an expense.

How Kredmo Calculates Your Net Rewards $ Value

At Kredmo, we believe transparency is the key to choosing the right credit card. Our Net Rewards $ Value is a data-driven estimate of the net Rewards financial benefit you could receive during your first year of card membership.

  1. We use a specific three-step formula to convert complex bonus points or cashback offers into a clear dollar figure:

    1
    Sign-Up Bonus Valuation: We convert the headline bonus points (e.g., 100,000 points) into a dollar value based on a conservative redemption average of 0.5 to 1.0 cents per point. This represents the standard "floor value" for redemptions like digital gift cards and cashback in the Australian market.
  2. 2
    Annual Spend Projections: We calculate the points earned from your projected annual spending based on the card's specific earn rate (e.g., 1.25 points per $1 spent). We then convert
    these points into their equivalent dollar value to show what your "monthly" spending is actually worth.
  3. 3
    The 'Net Value' Deduction: To find the final figure, we subtract the first-year annual fee from the total sum of points and cash back expected to be earned. The resulting Rewards $ Value shown in our table represents your true "New Rewards $ Value"—in terms of Reward points and cash back of the value you receive after the card has paid for itself.
    Note: Our calculations assume you pay your statement balance in full each month. Because rewards credit cards carry high interest rates (often 20% p.a. or more), interest charges are not factored into this value as they would quickly negate the benefits earned.
Trust!

Why Trust
Kredmo?

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    80+ Cards Compared: We track over 20+ Australian providers to give you a full market view, not a filtered one.
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    User-First Logic: Our rankings are built on data-driven “Value Methodology,” not whether we have a partnership with provider or not.
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    Total Independence: We show you the best credit cards currently available in the Australian market and give you the tools to make the best decision for your unique financial journey.
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    Licensed: We operate under ACL 518788.