Best travel credit cards in Australia 2019

Ceyda Erem

03 Jan 2020


It’s getting to that time of year, when it feels like more than half of the country clears off to some sort of exotic destination abroad. If you’re part of this group, firstly we’re jealous. Secondly, have you thought about how you’re going to pay for all those holiday cocktails and museum tickets?  Finding the best credit card for overseas travel should be at the top of your to-do list before you leave.

To help you narrow down your travel credit card search, in last year's Mozo Experts Choice Travel Money and IMT Awards last year, our experts dissected over 102 Travel Money & IMT providers to find the best value options in a bunch of categories. And whether you’re after a flashy plastic with features galore, one that rewards you for splurging or simply a card that’s easy on the wallet, we’ve hand-picked our favourite winner from three of our Major Award categories to get you started:

Platinum Travel Credit Card


American Express Qantas Ultimate Card
  • 2019 Mozo Experts Choice Awards Credit Card Provider of the Year^

  • 55,000 bonus Qantas Points (spending criteria applies)

  • $450 annual Qantas Travel Credit

If the airport is your second home, then American Express’s Qantas Ultimate credit card could be a worthwhile addition to your wallet. This card is jam-packed with opportunities to earn points for free Qantas flights - 1.25 Qantas Points per dollar on regular spending and up to 2.25 Qantas Points per dollar on Qantas spends. Plus, you’ll score $450 worth of Qantas travel credit each year to cancel out the annual fee. Throw in 55,000 bonus Qantas Points when you spend $3,000 in the first 3 months, plus perks like complimentary travel insurance and purchase protection, and it’s not hard to see why American Express snatched up the title of Credit Card Provider of the Year in the 2019 Mozo Experts Choice Awards.

Rewards Travel Credit Card


Bankwest More World Mastercard
  • 2.5 uncapped rewards points per $1 spent

  • 115,000 annual bonus points each year (minimum spend applies)

  • 10 complimentary airport lounge visits each year at participating lounges through LoungeKey

Shopping to earn a mammoth amount of rewards points?… A dream that becomes a reality with the Bankwest More World Mastercard card, multiple 2019 Mozo Experts Choice Travel Money Awards winner for best Reward Travel Credit Card and best Platinum Travel Credit Card.^ Not only will you earn 2.5 uncapped rewards points per $1 spent, but you can also earn 115,000 bonus points every year as long as you spend $84,000. While it’s great for everyday use, it’s grouped with the best overseas credit cards and even better for travelling as you won't have to pay for any overseas transaction fees, plus you’ll get up to 12 months of complimentary travel insurance, interstate flight inconvenience insurance and ten airport lounge visits each year via LoungeKey.

Low Rate Travel Credit Card


Bankwest Breeze Platinum Mastercard
  • 2019 Mozo Experts Choice Award winner^

  • 12.99% p.a. purchase rate

  • 0% foreign exchange margin

Love snatching up a good bargain while travelling? Then the Bankwest Breeze Platinum Mastercard has your back, with a low 12.99% p.a. purchase rate and minimal fees. Add in no foreign transaction fees on international purchases and complimentary overseas travel insurance, and it’s no surprise why this card won a Mozo Experts Choice Award in 2019 for best Low Rate Travel Credit Card. Just remember to budget for the $49 annual fee in the first year ($99 after).

Looking for more travel plastic options? Try our travel money comparison tool which compares travel-friendly credit cards to help you save on foreign currency fees, overseas purchase fees, international ATM fees and more.

^More information about our 2019 Mozo Experts Choice Awards for Travel Money cards.    

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