Using a credit card in Australia

Use our guide to get the best out of your plastic, and your cash, on holiday down under.

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Santander All in One Credit Card logo
Santander All in One Credit Card
Check eligibility
29.8% APR representative variable
4.5 ★★★★★
No foreign transaction fees
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The Marriott Bonvoy American Express Card logo
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The Marriott Bonvoy American Express Card
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54.8% APR representative variable
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British Airways American Express Credit Card logo
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Tourism is a big part of the Australian economy, especially in large cities like Sydney, Brisbane and Melbourne. In these cities especially, it should be incredibly easy for visitors from the UK and other countries to spend money using their credit card.

Visa and Mastercard credit cards find widespread acceptance and you should be able to use American Express and Diners Club cards with most major retailers and supermarkets. Union Pay and JCB are other credit cards that are accepted.

Best credit cards to use in Australia

Table: sorted by representative APR, promoted deals first
Name Product Rating Foreign transaction fee Foreign cash transaction fee Interest-free days on foreign transactions Interest-free days on foreign cash transactions Representative example Link
The Royal Bank Credit Card
Finder score
★★★★★
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
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View details
NatWest Credit Card
Finder score
★★★★★
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
Go to site
View details
Santander All in One Credit Card
Finder score
★★★★★
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Check eligibility
View details
NatWest Reward Black Credit Card
Finder score
★★★★★
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum, your representative rate is 40.7% APR (variable).
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View details
Royal Bank of Scotland Reward Black Credit Card
Finder score
★★★★★
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).
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View details
Yonder Credit Card (only for London residents)
Finder score
★★★★★
0%
0 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).
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View details
The Ulster Bank Credit Card Mastercard
Finder score
★★★★★
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
View details
Halifax Clarity Credit Card Mastercard
Finder score
★★★★★
0%
0%
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).
View details
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Cash machines in Australia

You’ll find cash machines linked to the Plus or Cirrus systems so using your Visa or Mastercard debit or credit card will be easy. ATMs are in all Australian cities and towns, at train and bus stations, petrol stations, shopping centres and popular tourist destinations. Bank-affiliated ATMs don’t usually impose additional fees to those your bank may levy.

Cash in Australia

You may still need Australian dollars (AUD) to pay in cash for small purchases with smaller retailers. It’s recommended for you to carry some cash to use at certain newspaper vendors, cafes, restaurants, bars and retailers. Some shopkeepers are keen to accept cash only because of the charges they have to pay for card payments.

Find a great deal on your travel money for Australia

Chip and PIN

The dominant forms of payments in Australian stores tend to be EFTPOS (Electronic Funds Transfer at Point Of Sale) or “Tap and Pay” using contactless technology. EFTPOS transactions require you to choose between Cheque, Savings or Credit (your card/account type) and enter your PIN.

Australia has moved from magnetic-stripe to chip cards, and all banks in Australia now issue the latter. You’ll still be able to use your magnetic-stripe card in Australia, although you can expect some confusion. With the switching of technology, some retailers falsely believe that they can no longer accept magnetic-stripe cards while some others will not let you use them, to do their bit in reducing credit card fraud. All they need you to do is swipe your card instead of inserting it into the machine, and then get you to sign for the purchase. The part of the machine that you tap with your card can be in different places in Australia – if in doubt ask the merchant!

Don’t forget that if it’s the first time you’re using a card, you’ll need to enter your PIN – even for a small charge.

Santander All in One Credit Card

Santander All in One Credit Card

  • 0.5% cashback
  • No FX fees
  • 0% purchases for 15 months
  • 0% balance transfers for 15 months

Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).

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Is it safe to use my card in Australia?

By exercising some caution when using your credit card in Australia, you’ll have a relatively trouble-free experience.

  • Keep your PIN safe. Use one hand to enter the PIN and the other to shield it from prying eyes and hidden cameras.
  • Select ATMs with care. Try and stick to ATMs in banks and avoid using ones in the street.
  • Watch out for “skimmers”. When installed in a cash machine, a card skimmer works by stealing information from credit and debit cards. If you feel the card slot is not as smooth as it should be or if there is a problem with the keypad, cancel your transaction and look for another ATM.

Keeping your credit card (physically) safe

Remain alert to street crime, especially where two or more people work in distracting victims before decamping with their valuables. Instances of theft at airports are not uncommon, so stay vigilant while arriving and departing. There have been numerous instances of thefts from hired cars so don’t leave your wallet or purse in a parked car.

Potential credit card fees

Credit card fees can leave a noticeable dent in your pocket when you are travelling overseas, so know what you are up against well in advance and choose a card with no or low fees.

Foreign transaction fees

British credit card issuers typically charge a fee equivalent to 1% to 3% of your transaction, so carefully review your card’s fine print to avoid statement surprises. Some cards designed for travel come with no foreign transaction fees, so this could be a good time to switch.

Learn more about cards designed for overseas spending

Currency conversion fees

If a retailer offers to bill your credit card in sterling, dynamic currency conversion comes into play. While this might sound like a good deal, you’ll actually end up getting a worse exchange rate, and you might also end up paying currency conversion fees. Whenever you are presented with an option, choose to pay in the local currency.

Cash advance fees

Using your credit card to withdraw money from an ATM may not make sense unless it’s a bona fide emergency. Each time you withdraw funds from an ATM, you’re likely to pay a cash advance fee. Your APR for cash advances is normally higher than your purchase APR, and you will typically get no grace period on interest – instead, you start paying interest immediately. Again, some cards designed for overseas spending will waive this fee.

The table below serves as an example of how much extra you may pay to use your credit card in Australia.

section of credit card summary box document

Additionally, you can get an idea of costs by using these online currency conversion tools from Mastercard and Visa.

What is a cash advance fee?

A cash advance fee is calculated (and charged) when you withdraw cash from your credit card. It’s usually the greater of a flat fee or a percentage of the transaction. For example, “2.5% of the transaction, minimum £3.00”.

How to prepare before travelling to Australia

  1. Go with Visa or Mastercard. Carry at least two cards on your trip to Australia, preferably connected with Visa or Mastercard. If you just take an American Express card, you won’t get to use it in many places.
  2. Think no foreign transaction fees. When there are cards that come with no foreign transaction fees, using ones that charge 2% or 3% of each overseas transaction does not make sense. Some of these cards don’t charge an annual fee, either.
  3. Keep your bank informed. In their efforts to thwart fraudulent transactions, banks block credit cards if they detect suspicious activity such as unexpected overseas transactions. To make sure this does not happen to your card, let your bank know about your travel plans before you leave the UK.
  4. Keep the emergency number handy. Know which numbers you will need to call if you end up losing your card or if you need an emergency replacement.
  5. Know where you’ll get cash from. Consider using your debit card to withdraw cash from ATMs. If you need to exchange money, stick to banks or official money-exchange offices because possessing counterfeit money in Australia is a serious crime. Try to avoid exchanging money at airports and popular tourist destinations because of typically poor exchange rates.
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Next steps

Ask yourself these simple questions before you leave so your spending in Australia does not hit any roadblocks.

  • Which cards will I take? Visa and Mastercard are the favourites. If you’re planning a trip, check out cards which give you complimentary airport lounge access. If you’re planning well in advance, consider earning air miles for your trip with a frequent flyer credit card.
  • Have I let my bank know? If you don’t inform your bank about your travel plans, you may end up with a temporarily suspended card.
  • What fees do I need to pay? If your existing cards come with foreign transaction fees, look for one that does not. Paying in sterling outside of the UK might come with currency conversion fees.
  • How will I get cash? Using your debit card at an ATM is the simplest way to access your own money. You can carry cash and traveller’s cheques with you. Exchanging sterling to Australian dollars is easy and you’ll get several options.

When you’re in Australia, you don’t have to worry about where and when you can use your credit card. Just keep some cash handy to pay for small purchases.

How to use a credit card in …

Frequently asked questions

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