Overseas Credit Card Woes - The Mozo Survival Guide

Arm yourself against excessive international fees, skimming, and the aftermath of card theft with our pre-holiday checklist.

Looking for a travel credit card? Look below for our top cards. 

Travel Credit Card Comparison Table - rates updated daily

Search promoted travel credit cards below. Advertiser disclosure.
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    Mozo Experts Choice 2021
    American Express Qantas Discovery Card

    Earn Qantas Points and enjoy $0 annual card fee. Mozo Experts Choice Qantas Frequent Flyer Credit Card Winner 2021^.

    purchase rate
    annual fee
    balance transfer rate
    20.74% p.a.
    $0
    No current offer
    Details
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    Mozo Experts Choice 2021
    American Express Velocity Platinum Card

    Receive 75,000 bonus Velocity Points when you apply online, are approved, and spend $3,000 on your new Card within the first 3 months. Available to new Card Members only.

    purchase rate
    annual fee
    balance transfer rate
    20.74% p.a.
    $375
    No current offer
    Details
  • Apply By 31 December 2022
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    Westpac Altitude Platinum

    Earn up to 70,000 bonus Qantas Points ($4k min. spend in the first 90 days on eligible purchases). 0% p.a. for 24 months on balance transfers requested at card application. 1% BT fee applies. $49 First Year Annual fee and Rewards fee. New cards only. T&C's and exclusions apply.

    purchase rate
    annual fee
    balance transfer rate
    19.99% p.a.
    $200 $99 in the first year
    0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
    Details
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    NAB Qantas Rewards Signature Card

    Earn up to 120,000 Bonus Qantas Points on a new NAB Qantas Signature Card. Min $3,000 spend on everyday purchases in first 60 days and keep your card open for 12 months.

    purchase rate
    annual fee
    balance transfer rate
    19.99% p.a.
    $395 $295 in the first year
    0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)
    Details
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    Mozo Experts Choice 2021
    American Express Qantas Ultimate Card

    Earn up to 100,000 bonus Qantas Points (75,000 bonus Qantas Points when you apply online by 23 August 2022, are approved, and spend $3,000 on your new Card within the first 3 months, plus an additional 25,000 Qantas Points in your second year upon fee renewal). T&Cs apply. New Card Members only.

    purchase rate
    annual fee
    balance transfer rate
    20.74% p.a.
    $450
    No current offer
    Details

Tip #1 - Touch base with your credit card provider

Credit card issuers are now clued up on the slightest signs of identity theft, and a sudden series of international transactions will raise a red flag. Problem is, your account might be deactivated or flagged for possible fraud. Such diligence is great if you do experience a thieving disaster, but if the only credit culprit is you, you might find your card being denied just as you're picking up a dinner bill or making that essential holiday purchase. Before you head overseas, contact your credit card issuer to let them know of your plans. Keep them in the loop, and you'll stay flush with funds.

Search the market in seconds for the best international travel credit cards.

Tip #2 - Establish proof of life

It's a worst-case scenario, but if you lose or have your credit card stolen, having it replaced will be much easier with ID. And if that gets swiped too, you'll need to fall back on some savvy planning. Scan your passport and driver's licence and email them to yourself, or place password-protected files on a USB drive so you can access copies in case your essentials are lost or stolen - you'll be able to re-establish yourself more quickly in an emergency.

Tip #3 - Know your limits

A credit card could genuinely be the best way to fuel your holiday fun, but do you know how many transactions you can make in a day - or whether there's a limit to how much you can spend over a certain period? Since you never know what you're in for overseas, it's important to get your head around any overseas transaction or ATM fees, as well as daily spending limits on your particular plastic.

Find an internationally friendly travel debit card or prepaid travel card now!

Tip #4 - Avoid withdrawal symptoms

Since making withdrawals on foreign ATMs and purchasing up a credit card storm all carries international charges, it can be much cheaper to withdraw more money than you might at home, store it in your hotel safe, and pay for those myriad daily expenses in cash - just make sure to mind your wallet.

Compare the best forex debit cards in minutes.

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.