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.
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.
When comparing the best credit card for travel points Australia, consider the following factors:
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
Some cards charge high annual fees but offer premium perks. Others are low-cost with fewer benefits. Choose based on your travel needs.
For international travelers, the best credit card for overseas travel Australia should have 0% foreign transaction fees to save on currency conversion costs.
If you plan to carry a balance, choose a card with low interest rates to avoid high charges.
Many cards offer free travel insurance, extended warranty on purchases, and exclusive lounge access.
Here’s a breakdown of the best travel credit card Australia has to offer:
✅ 2 points per $1 spent
✅ $400 travel credit yearly
✅ Complimentary travel insurance
✅ Airport lounge access
❌ High annual fee ($395)
✅ 1.25 points per $1 spent
✅ 90,000 bonus points offer
✅ Travel insurance & concierge services
✅ No foreign transaction fees
❌ Requires a high income
✅ 150,000 bonus Qantas or Velocity points
✅ Unlimited airport lounge access
✅ Complimentary travel insurance
✅ No foreign transaction fees
❌ High annual fee ($250-$395)
✅ No foreign transaction fees
✅ No annual fees
✅ Travel-friendly security features
✅ Great for international students
❌ No rewards program
✅ 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.
Once you have the best international credit card Australia, follow these tips to make the most of it:
Avoid interest charges by clearing your balance monthly.
Many travel credit cards offer massive welcome bonuses if you meet spending requirements. Use them strategically for flights or upgrades.
Maximize points by linking your card to Qantas or Velocity rewards.
Book flights, hotels, and transport with your travel credit card to earn more rewards and enjoy travel insurance benefits.
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
The best travel credit card Australia offers depends on your needs:
For frequent travelers – American Express Explorer or Westpac Altitude Black
For budget travelers – 28 Degrees Platinum Mastercard
For students – Westpac Low Fee Credit Card or NAB Low Rate Credit Card
For Qantas or Velocity rewards – ANZ Rewards Travel Adventures
Before choosing, compare features, rewards, and fees to ensure you get the best credit card Australia for travel in 2025!
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!