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 2020
    American Express Qantas Discovery Card

    Receive up to 1.75 Qantas Points for every $1 spent on Card purchases (T&Cs apply). No annual fee for the life of the card. T&C’s apply. Mozo Experts Choice Qantas Frequent Flyer Credit Card Winner 2020.

    purchase rate
    annual fee
    balance transfer rate
    20.74% p.a.
    $0
    No current offer
    Go to site
    Details
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    Mozo Experts Choice 2020
    American Express Velocity Platinum Card

    Receive 50,000 bonus Velocity Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months. New Card Members Only Enjoy a complimentary domestic return flight with Virgin Australia to selected cities, each year after your first card spend. Credit Card Provider of the Year in the Mozo Experts Choice Awards 2020 ^.

    purchase rate
    annual fee
    balance transfer rate
    20.74% p.a.
    $375
    No current offer
    Go to site
    Details
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    NAB Qantas Rewards Signature Card

    NABs fastest way to earn Qantas Points. 110,000 bonus Qantas Points when you spend $3,000 on everyday purchases within 60 days of account opening and keep the card open for 12 months. Access to 6 complimentary insurances when you make eligible purchases.

    purchase rate
    annual fee
    balance transfer rate
    19.99% p.a.
    $395 $295 in the first year
    0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
    Go to site
    Details
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    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

    0% p.a. for 6 months on balance transfers and 0% p.a. for up to 14 months on purchases. Pay only half the annual fee in the first year and enjoy an exclusive $129 Virgin Australia Gift Voucher yearly.

    purchase rate
    annual fee
    balance transfer rate
    20.74% p.a.
    $129 $64 in the first year
    0% p.a. for 6 months and then 20.99% p.a.
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    Mozo Experts Choice 2020
    American Express Qantas Ultimate Card

    Receive 55,000 bonus Qantas Points when you apply, are approved, and meet the minimum spend criteria of $3,000 in the first 3 months. T&Cs apply. Available to new Card Members only.

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

^See information about the Mozo Experts Choice Travel Credit Cards Awards

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