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No FX Fee

Best No Foreign Transaction Fee credit cards in Australia

No-FX-fee credit cards in Australia drop the foreign-transaction surcharge on purchases made abroad or in another currency.

*a card is filed here in one of three ways: a published issuer or regulator document we hold states a 0% foreign-transaction fee for it; the issuer's own page says, in a sentence about this card, that it charges no foreign-transaction fee (in the US, also when the issuer reports none to the CFPB); or the source listing we imported it from files it that way. Only a card filed on a quoted line or a regulator's record is re-read: we keep that quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports). A card filed by a document's 0% figure stays while that figure is the one on its record; a card filed by the source listing stays as the listing filed it, and we do not re-read the listing. Confirm the fee on the issuer's page before you travel.

17
No Foreign Transaction Fee cards filed
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AllRewards116Low Interest82Premium72Travel Insurance69Business45Welcome Bonus44Airline37Points35Lounge Access30Balance Transfer28No FX Fee17No Annual Fee13Travel12Cash Back10Store & Retail6Dining2Gas & Fuel2Groceries2Student2Secured1
The ledger

All No Foreign Transaction Fee cards in Australia

17 cards
Bankwest№ 2

Bankwest More World Mastercard

Mastercard issued by Bankwest.

Balance TransferLounge Access
Annual feeA$270per year
Top earn rateNot confirmed
Bendigo and Adelaide Bank№ 4

Bendigo Ready Credit Card

Mastercard issued by Bendigo and Adelaide Bank.

No Annual FeeNo FX Fee
Annual feeA$0per year
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 5

CommBank Neo Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

No FX FeeRewards
Annual feeNot confirmed
Top earn rateNot confirmed
humm№ 6

humm90 Platinum Mastercard

Mastercard issued by humm.

No FX FeePremium
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 7

Interest-free Low Fee Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

No FX Fee
Annual feeA$10/monthA$120/yr · can be waived
Top earn rateNot confirmed
Macquarie Bank№ 9

Macquarie Black Card

Visa card issued by Macquarie Bank.

No FX FeePremium
Annual feeNot confirmed
Top earn rateNot confirmed
Macquarie Bank№ 10

Macquarie Platinum Card

Visa card issued by Macquarie Bank.

No FX FeePremium
Annual feeNot confirmed
Top earn rateNot confirmed
Macquarie Bank№ 11

Macquarie RateSaver Card

Visa card issued by Macquarie Bank.

Low InterestNo FX Fee
Annual feeA$69per year
Top earn rateNot confirmed
ING Australia№ 12

Orange One Low Rate

Visa card issued by ING Australia.

Low InterestNo FX Fee
Annual feeA$48per year
Top earn rateNot confirmed
ING Australia№ 13

Orange One Rewards Platinum

Visa card issued by ING Australia.

Cash BackNo FX Fee
Annual feeA$149per year
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 14

Ultimate Awards Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

DiningGas & Fuel
Annual feeA$35/monthA$420/yr · can be waived
Top earn rateNot confirmed
Bank First№ 15

Visa Platinum Credit Card

Visa card issued by Bank First.

Low InterestNo FX Fee
Annual feeA$99per year
Top earn rateNot confirmed
Westpac№ 16

Westpac Lite Card

Credit card issued by Westpac.

Low InterestNo FX Fee
Annual feeA$9/monthNot yet checked with WestpacA$108/yr
Top earn rateNot confirmed
Zip№ 17

Zip Plus (Visa card)

Visa card issued by Zip.

No FX Fee
Annual feeA$9.95/monthA$119.40/yr
Top earn rateNot confirmed
Questions

Frequently asked

What is the best no foreign transaction fee credit card in Australia?

The best no foreign transaction fee card in Australia depends on your spending and goals. We list every no foreign transaction fee card we hold — 17 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a no foreign transaction fee credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a no foreign transaction fee card with other cards?

Yes. Many people pair a no foreign transaction fee card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these no foreign transaction fee card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.