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Fiji is an archipelago of islands that boasts crystal clear beaches and some of the world’s largest hotel chains such as InterContinental, Shangri-La and more. Like any destination, taking the right cards with you can help you enjoy the experience and worry less about fees.
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American Express® Gold Card
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Our pick for 0% transaction fee debit card
Since there are currently no travel cards on the market that allow you to hold and spend FJD, consider travel friendly debit cards and credit cards like Visa and Mastercard to finance your trip; which both have wide acceptance on the Fijian Islands.
A mixture of credit and debit cards will let you enjoy your vacation with the least amount of stress. Don’t bother exchanging your cash prior to your trip, ATM withdrawals are easily made at Fiji’s international airports — a card which lets you withdraw and make foreign transactions for cheap is the way to go.
Make sure you have organized your travel beforehand to ensure your island getaway runs as smoothly as possible.
The best credit cards to take when traveling to Fiji do not charge a foreign transaction fee when you make purchases or charge for ATM withdrawals — otherwise you may tack on some unnecessary fees. The Barclaycard Arrival Plus World Elite Mastercard particularly stands out because it waives foreign transactions fees and has a 0% interest APR.
If you can, avoid cash advances with your credit card as the fees that come with it can eat your available credit limit quickly.
Most Fijian merchants are equipped with point of sale terminals, but there will be times when you need to pay cash, especially for smaller transactions. Debit cards are far cheaper to use to get cash from an ATM than credit cards — but watch out for currency conversion fees as well as international and local ATM withdrawal fees.
Unfortunately, no travel cards currently support Fijian dollars. So unless you have a travel card that doesn’t charge a foreign currency conversion fee on unsupported currencies, you could rack up some unnecessary costs.
However, prepaid cards usually come with a supplementary card for emergencies and can be used for ATM withdrawals. So if you can get a card without a currency conversion fee, it could come in handy.
You’ll be able to use your cards at most businesses in Fijian cities, but if you’re heading to the smaller islands or to remote areas, ensure you have enough cash to last you for the duration of your trip.
Traveler’s checks are quickly becoming obsolete. But, unlike other places in the world, you’ll be able to cash traveler’s checks at banks and hotels in Fiji — but you’ll have difficulty finding places to cash them in remote areas.
The money used in Fiji is called the Fijian Dollar (FJD). It comes in denominations of 5, 10, 20, 50, and 100 notes.
As a general rule, you’ll get a better rate if you wait to purchase foreign currency when you arrive at your destination. ATM withdrawals use the card rate which is a typically above the market rate. If you do want to buy foreign currency, consider these financial institutions.
The dollar has been steadily gaining value against the Fijian dollar for the last 10 years — with an exception in 2012 when there was a slight drop. It’s hard to predict the movements of a currency pair, so it’s good to know that prepaid travel cards and traveler’s check allow you to lock in an exchange rate.
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ATMs are common in Fijian cities, but you’ll need to plan ahead and make sure you have enough cash if you’re heading to rural areas. Banks such as ANZ, Westpac and BSP have a presence in Fiji, that allow travelers to access ATMs cheaply on their island vacation.
Fiji can be a cheap destination for travelers looking for a vacation on a smaller budget. At the same time, a Fiji vacation can be as expensive as you make it if you plan on living lavishly. Here are some of the daily costs for a Fiji vacation. All prices are in US dollars.
$8 per night
$40–$120 per night
$200–$1,500 per night
$15 per person
$25 per dish
|Activities||Visit the Suva flea market|
Free (plus shopping )
|30 minute massage at Suva day spa|
|4-night guided trek to the peaks of Fiji including food and transportation|
*Prices are indicative and subject to change
Camila started her trip in Suva before heading across the island to Port Denarau. She joined a cruise which lasted for four nights. The cruise took her to see the sights of the Sacred Islands, Yasawa Islands and Blue Lagoon region before returning her to Port Denarau. She was in Fiji for a week and a half.
Do you have any travel money tips for Fiji?
She says some ATMs in the less traveled parts of Fiji are unreliable, so be sure you have extra cash. Camila also says to check whether your hotel charges a credit card surcharge – this can be avoided by using a debit card. Finally she says always pay in the local currency when you’re in Fiji.
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