Using a credit card in Australia

Australia is among the rare countries where you can pay with plastic almost everything — even for your taxi. And along with Mastercard and Visa, you’ll also find spots accepting American Express.

If like how cash feels in your pocket, you’ll find ATMs across most of Australia. Keep in mind that cash withdrawals come with additional fees when you use a credit card. If you’re taking along a variety of cards, debit cards and cash, read our full guide on spending money while traveling in Australia

Which credit card issuers are accepted in Australia?

American Express and Discover cards are accepted in Australia, but Mastercard and Visa take the lead when it comes to reliable acceptance.

If you’re looking for an ATM that accepts your Amex, know that major banks like ANZ, Commonwealth Bank of Australia, St. George Bank and WBC allow cash withdrawals with your card. For Discover cards, look for Bank of China, Bank West, HSBC, iCash or ING ATMs.

	Merchant acceptance	ATM acceptance
Visa	High	High
Mastercard	High	High
American Express	High	High
Discover	Medium	High

Potential credit card fees in Australia

When you pay with a credit card in Australia, you may be hit with the two types of fees, depending on your provider:

• Foreign transaction fees. You might pay up to 3% in fees on each transaction. This may not sound like much, but it quickly adds up over a vacation — by charging $3,000 on your card, you could pay up to $90 in fees.
• Currency conversion fees. Some merchants offer you the option to pay in US dollars instead of the local currency. Called a dynamic currency conversion, this type of transaction often comes with high fees and a poor exchange rate.

Will I pay both fees on a single transaction?

You might. Even the most basic travel card can save you from paying foreign transaction fees. And by simply paying in local currency, you’ll avoid an unfavorable exchange rate and additional fees.

Do taxis in Australia accept credit cards?

Yes, but you may pay a 5% surcharge for the convenience. An alternative to taxis is Uber rideshares, which are cheaper and also accept credit card payments through the Uber app.

Compare credit cards for use in Australia

A travel card is a good choice if you travel frequently outside of the US. You’ll save money on foreign transactions by avoiding extra fees, and you’ll earn points you can use toward travel purchases. Even if you don’t travel often, you could look into a no-annual-fee travel card and only use it when you’re abroad.

Sort by:

Name	Product	Foreign transaction fee	Annual fee	Purchase APR	Filter values
American Express® Gold Card		None	$250	See Pay Over Time APR		Rose Gold is Back Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
The Platinum Card® from American Express		None	$695	See Pay Over Time APR		New Platinum Exclusive Offer One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Titanium Card™		None	$195	14.99% variable		Enjoy unique excursions, privileged access to exclusive events and insider opportunities.	Apply now View details	Compare	loading Fetching your data...

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Is it safe to use my credit card in Australia?

Yes. Even so, you should take the same precautions you would anywhere else in the world:

• Use ATMs within a bank. Your chances of encountering a skimming device are often lower at a bank. And on the off chance your card is trapped inside the machine, you can easily get help to get it back.
• Take two credit cards. If something happens to one of your cards, you can rely on the second to avoid being left without cash.
• Keep your card in sight. When paying for items or a bill, keep an eye on your card until it’s safely returned.

Chip-and-PIN credit cards

Chip-and-PIN cards — also called EMV microchip cards — are widely accepted throughout Australia. But the US has some catching up to do when it comes to embedded EMV microchips.

As of 2018, you may find that your newer cards include chip-and-PIN technology. If not, your cards requiring a signature are also accepted.

How to prepare before traveling to Australia

• Get a card without foreign transaction fees. Save on unnecessary fees with a card designed for the frequent traveler.
• Take along a Mastercard or Visa. You can pay with your Amex or Discover card in most places, but you’re sure to be OK with a Mastercard or Visa.
• Bring a backup card and a debit card. That way, if you end up losing your card, you’ll have a softer landing as you work to replace it.
• Get some cash. You may not need it, but it might be nice to have on hand. If you withdraw cash, use your debit card to avoid cash advance fees and stiff APRs.
• Let your bank know you’re traveling. If your bank is hyper vigilant about fraud, it could inadvertently block your card if it sees a charge from Australia.
• Write down your bank’s number. Most credit card providers advertise a toll-free number for cardmembers traveling abroad to use in a cardholder emergency.

Read our full travel money guide to Australia

Bottom line

Credit cards are widely accepted in Australia. But to avoid foreign transaction fees that can come with most cashback cards, look into a good travel card and decline to pay in US dollars, if it’s offered.

If you enjoy having cash around, you can easily withdraw money from an ATM. But using a debit card abroad can help you avoid cash withdrawal fees that come with credit cards.

Frequently asked questions

• How can I send money to Australia?

  Today, you’ll find many companies looking to help you get money from the States to Down Under. Find the best and most affordable in our comprehensive guide to getting money to Australia.

• What is Australia's official currency called?

  The Australian dollar, referred to by the currency code AUD. The Aussie dollar comes in banknotes of $5, $10, $20, $50 and, more rarely, $100.

• What is the exchange rate between the US dollar and the Australian dollar?

  Here’s the most current rate you’ll find:

• Will I find a local branch of my US bank in Australia?

  You might — many US banks offer branches in big cities, like Sydney, including:

  • Bank of America
  • Barclays
  • Citibank
  • HSBC
  • ING
  • Chase

  Ask your bank if it has a partnership with any of the Australian banks to potentially waive ATM cash withdrawal fees.