Surf, sand and sun - there’s nothing like a summer holiday to end the year with a bang or start the new year off on the right foot.
And whether you’re planning a trekking adventure through the wilds of Peru or you’re more of a 5-star hotel and Parisian cafe sort of traveller, having an airtight strategy for accessing your holiday fund while you’re away is crucial to making sure your holiday goes off without a hitch.
Different travel money options work for different travellers. If you’re strict about your budget, a prepaid or debit travel card might be in order. On the other hand, if you want to soak up all your trip has to offer without ever worrying about your budget, a credit card might be more your speed.
To help you choose, we’ve handpicked a list of winners from this Year’s Mozo Experts Choice Travel Money Awards, announced in April. So whatever kind of holiday you’ve got in mind and whatever kind of spender you are, take a look below.
Our favourite travel debit cards
HSBC Everyday Global Account
Keep up to 10 currencies in your regular bank account
Lock in an exchange rate ahead of time
No HSBC ATM or transaction fees anywhere in the world
For travellers who travel often and like to live like a local when they go abroad, the HSBC Everyday Global Account lets you save and spend in up to 10 currencies, all from the one transaction account. You’ll be able to lock in an exchange rate for each currency ahead of time, or convert to Aussie dollars when you spend.
$0 ATM fees overseas or at home (conditions apply)
$0 monthly account fees
Roundup feature to help you save while you spend
Picking up both Mozo Experts Choice Awards and Mozo People’s Choice Awards, the ING Orange Everyday Account is a major favourite and a handy companion on your next global adventure. You’ll be able to spend your own money overseas, with no ATM fee sand no international transaction fees as long as you deposit $1,000 and make 5 card purchases using your ING debit card each month.
75,000 annual bonus points when you spend $48,000 in that year
2 points per $1 spent, up to 400,000 points
Easy Alerts via the Bankwest App remind you to pay your balance
With multiple wins in the Mozo Experts Choice Awards, this handy card comes with premium perks like complimentary travel insurance, purchase protection and a concierge service, along with the power to earn points on your spending. Just remember that there is a $160 annual fee, so make sure you justify it by getting tonnes of value out of the offered freebies.
All the luxury of a 5-star card without the hefty price tag, the 28 Degrees Mastercard will be a favourite with all kinds of travellers. This premium option comes with perks like optional Shoppers Protection Insurance, plus you won’t have to worry about paying overseas transaction fees or an annual fee.
Load a minimum of $200 and maximum $50,00 in each currency
Perfect for a globetrotter who’s visiting multiple countries and spending in multiple currencies, but wants to lock in their exchange rate ahead of time, so they know exactly what deal they’re in for. The ANZ Travel Card is free to purchase, free to reload and free to close when you make your way back home.