The Ultimate Guide to Travel Credit Cards in Australia for 2025

01/31/2025

Planning your next trip? The right travel credit card can help you save money, earn rewards, and enjoy exclusive travel perks. Whether you’re looking for the best travel credit card Australia has for frequent flyers, budget travelers, or international students, this guide will help you choose the perfect option. We’ll explore the best credit card Australia for travel, how to earn travel points, and what to consider when picking a best international credit card Australia for overseas trips.

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1. Why You Need a Travel Credit Card in Australia

A travel credit card Australia provides several benefits, including:

  • Reward Points: Earn points for flights, hotels, and shopping.

  • No Foreign Transaction Fees: Save on international purchases.

  • Travel Insurance: Get complimentary coverage for peace of mind.

  • Airport Lounge Access: Enjoy VIP treatment at airports.

  • Flexible Repayments: Manage expenses efficiently while traveling.

If you're an international student, choosing one of the credit cards for international students in Australia can make managing finances easier while offering great travel perks.

2. How to Choose the Best Travel Credit Card Australia Offers

When comparing the best credit card for travel points Australia, consider the following factors:

a) Rewards Program

Look for a card that earns frequent flyer points, cashback, or hotel discounts. Popular programs include:

  • Qantas Frequent Flyer

  • Velocity Frequent Flyer

  • American Express Membership Rewards

b) Annual Fees

Some cards charge high annual fees but offer premium perks. Others are low-cost with fewer benefits. Choose based on your travel needs.

c) Foreign Transaction Fees

For international travelers, the best credit card for overseas travel Australia should have 0% foreign transaction fees to save on currency conversion costs.

d) Interest Rates

If you plan to carry a balance, choose a card with low interest rates to avoid high charges.

e) Travel Insurance & Perks

Many cards offer free travel insurance, extended warranty on purchases, and exclusive lounge access.

3. Best Travel Credit Cards in Australia for 2025

Here’s a breakdown of the best travel credit card Australia has to offer:

1. American Express Explorer Credit Card

✅ 2 points per $1 spent
✅ $400 travel credit yearly
✅ Complimentary travel insurance
✅ Airport lounge access
❌ High annual fee ($395)

2. NAB Rewards Signature Credit Card

✅ 1.25 points per $1 spent
✅ 90,000 bonus points offer
✅ Travel insurance & concierge services
✅ No foreign transaction fees
❌ Requires a high income

3. Westpac Altitude Black Credit Card

✅ 150,000 bonus Qantas or Velocity points
✅ Unlimited airport lounge access
✅ Complimentary travel insurance
✅ No foreign transaction fees
❌ High annual fee ($250-$395)

4. 28 Degrees Platinum Mastercard

✅ No foreign transaction fees
✅ No annual fees
✅ Travel-friendly security features
✅ Great for international students
❌ No rewards program

5. ANZ Rewards Travel Adventures Credit Card

✅ Earns ANZ rewards points
✅ Free Virgin Australia flight yearly
✅ Travel insurance included
✅ No foreign transaction fees
❌ High minimum income requirement

For students, the best credit card for international students in Australia should have low fees and be easy to manage, like the 28 Degrees Platinum Mastercard.

4. How to Maximize Travel Credit Card Benefits

Once you have the best international credit card Australia, follow these tips to make the most of it:

a) Pay in Full Each Month

Avoid interest charges by clearing your balance monthly.

b) Use Sign-Up Bonuses Wisely

Many travel credit cards offer massive welcome bonuses if you meet spending requirements. Use them strategically for flights or upgrades.

c) Link Your Card to Frequent Flyer Programs

Maximize points by linking your card to Qantas or Velocity rewards.

d) Use Your Card for Travel Purchases

Book flights, hotels, and transport with your travel credit card to earn more rewards and enjoy travel insurance benefits.

5. Travel Credit Cards for International Students in Australia

If you're studying in Australia, finding a credit card for international students in Australia can be tricky. Look for:

  • Low or no annual fees

  • No foreign transaction fees

  • Easy application process with lower income requirements

  • Rewards and cashback options

Some of the best options include:
✔️ 28 Degrees Platinum Mastercard – No fees, great for travel
✔️ Westpac Low Fee Credit Card – Low annual fee, simple eligibility
✔️ NAB Low Rate Credit Card – Low-interest rates, ideal for students

6. Which Travel Credit Card Should You Choose?

The best travel credit card Australia offers depends on your needs:

  • For frequent travelersAmerican Express Explorer or Westpac Altitude Black

  • For budget travelers28 Degrees Platinum Mastercard

  • For studentsWestpac Low Fee Credit Card or NAB Low Rate Credit Card

  • For Qantas or Velocity rewardsANZ Rewards Travel Adventures

Before choosing, compare features, rewards, and fees to ensure you get the best credit card Australia for travel in 2025!

Final Words

Choosing the right travel credit card can enhance your travel experience and help you save on expenses. Whether you need a card for international trips, student use, or frequent flyer perks, there’s a perfect option for you. Compare the best travel credit cards in Australia for 2025 and enjoy seamless, rewarding travel experiences!