ANZ Travel Card - All you need to know (2025)

A travel money card is a prepaid card that lets you load multiple currencies onto it for spending during your overseas adventures. It’s designed to help you manage spending abroad, with options to lock in exchange rates and avoid foreign transaction fees.

In this guide we’re going to focus largely on what ANZ offers to travellers, as well as a few popular alternatives like Wise.

Table of contents
Is ANZ Travel Card available in Australia? Travel Cards available with ANZ Things to look out for in choosing an ANZ Travel Card How to use your ANZ card overseas Best alternatives for ANZ Travel Money Card Wise Revolut Travel Money Oz

Is ANZ Travel Card available in Australia?

Previously ANZ offered a dedicated travel card known as the ANZ Travel Card, which allowed customers to hold a stored balance in supported currencies.¹ The card was discontinued in 2020, with all customer accounts being fully closed by the end of 2022.

In this guide we’re going to look at some alternatives for the ANZ Travel Card, starting with popular ANZ cards that are still available and are handy for travel. We’ll then touch on some alternative providers including Wise, that may be suitable for frequent travellers or people looking for flexible travel money solutions.

Travel Cards available with ANZ

ANZ has certain debit cards and credit cards that may be suitable for your overseas travel needs.

ANZ Access Visa Debit card

The ANZ Access Visa Debit card is linked to an eligible ANZ bank account which can be opened online, through the ANZ app or at a branch.⁴

• Works wherever Visa is accepted
• Compatible with digital wallets and contactless payments
• Pay with your money, rather than putting it on credit
• Track spending online and through the ANZ app

It’s best for people who want an Australian transaction account with a debit card that can be used at home and for infrequent trips abroad.

ANZ Plus Visa Debit card

The ANZ Plus Visa Debit card is part of ANZ’s digital banking service, linked to an ANZ Plus account that can only be opened and accessed through the ANZ Plus app.⁴

• Works anywhere Visa is accepted
• Compatible with digital wallets
• Shop with your own money, rather than credit
• Around the clock security with ANZ Falcon

It’s a viable option for people looking for an online only Australian account that links to a debit card that can be used at home and works overseas.

ANZ Frequent Flyer Black credit card

With an ANZ Frequent Flyer Black credit card you can enjoy the highest Qantas Points earn rate they offer.⁵ It comes with a 20.99% interest rate p.a. on purchases and a $15,000 minimum credit limit.

• Complimentary Qantas Frequent Flyer membership if not already a member
• New card bonus offers of tens of thousands of Qantas Points
• Earn 1 Qantas Point for every $1 spend up to $7500
• Above $7500 earn 0.5 Qantas Points for every $1 spent
• Complimentary travel insurance for eligible trips
• 24/7 domestic and international personal concierge services
• Earn cash back plus Qantas Points on 2000+ retailers when shopping through Cashrewards
• Qantas club lounge benefits

This credit card would be suitable for frequent travellers who want to earn lots of Qantas Points and don’t mind using a credit card for daily spending.

ANZ Frequent Flyer Platinum credit card

For a slightly cheaper credit card that still allows Qantas Points to be earned there’s the ANZ Frequent Flyer Platinum credit card.⁶ It has an interest rate of 20.99% p.a. on purchases and a $6,000 minimum credit limit.

• Complimentary Qantas Frequent Flyer membership for non-members
• Bonus new credit card offers for tens of thousands of Qantas Points
• Earn 0.75 Qantas Point for every $1 spend up to $3000
• Above $3000 earn 0.5 Qantas Points for every $1 spent
• Complimentary travel insurance for eligible trips
• 24/7 personal concierge services with domestic and international help
• Earn cash back and Qantas Points with 2000+ retailers through Cashrewards

The card would be suitable for travellers looking for a more affordable option than the Frequent Flyer Black card to earn Qantas Points on their credit card purchases.

ANZ Rewards Black credit card

The ANZ Rewards Black credit card gives holders the opportunity to earn ANZ Reward Points, with the highest points rate of all their credit cards.⁷ The interest rate is 20.99% p.a. on purchases and there’s a $15,000 minimum credit limit.

• New card bonus offers of cash back and ANZ Reward Points
• Earn 2 ANZ Reward Points For every $1 spend up to $5000
• Above $5000 earn 1 ANZ Reward Point for every $1 spent
• Complimentary travel insurance for eligible trips
• 24/7 domestic and international personal concierge services
• ANZ Reward Points can be redeemed for Airpoint Dollars or airline points with partner airlines

The ANZ Rewards Black credit card is best for customers looking to receive larger amounts of points for their credit card spending that can be redeemed for travel as well as non-travel retailers like JB Hi-Fi and Bunnings.

Things to look out for in choosing an ANZ Travel Card

If you’re considering an ANZ card for overseas spending, here’s a few things to keep in mind.

• Some cards come with ongoing fees that might not be worth it unless you travel regularly
• A poor exchange rate can make a big difference so look for cards that offer competitive rates, ideally the mid-market rate
• Foreign transaction fees can add up when spending overseas or in a currency other than AUD
• While these ANZ cards don’t have one, some cards apply a currency conversion fee when funds are converted from one currency to another
• ATM withdrawal fees can be applied as a percentage or a fixed rate fee, so check this and plan the frequency and amount of your withdrawals around it
• Some ANZ credit cards offer frequent flyer points and other rewards which can prove to be valuable if you travel frequently

ANZ - Fees and Limits

The fees for having each card and the associated accounts varies, with some being more expensive to maintain than others.

Card	Foreign Transaction Fee	Currency Exchange Fee	Overseas ATM Withdrawal Fee	Account Maintenance Fees
ANZ Access Visa Debit card³	3% overseas transaction fee	No fee	$5 per transaction	$5 per month unless fee exemptions apply
ANZ Plus Visa Debit card³	3% overseas transaction fee	No fee	$5 per transaction	No fee
ANZ Frequent Flyer Black credit card²	3.5% overseas transaction fee	No fee	3% cash advance fee with a minimum of $3 and maximum of $20	$370 annual fee + $55 rewards program fee
ANZ Frequent Flyer Platinum credit card²	3.5% overseas transaction fee	No fee	3% cash advance fee with a minimum of $3 and maximum of $20	$240 annual fee + $55 rewards program fee
ANZ Rewards Black credit card²	3.5% overseas transaction fee	No fee	3% cash advance fee with a minimum of $3 and maximum of $20	$320 annual fee + $55 rewards program fee

ANZ exchange rate

For the ANZ Access Visa Debit card and ANZ Plus Visa Debit card the amount will be converted to NZD using the Visa rate, then debited from your account.⁸ The same process applies to the ANZ credit cards, including the ANZ Frequent Flyer Black credit card, ANZ Frequent Flyer Platinum credit card and ANZ Rewards Black credit card.⁹

You can check the Visa rate on the Visa Australia website, keeping in mind that ANZ doesn’t specify whether or not their conversion includes a margin.

By comparison, some providers like Wise offer the mid-market rate. Considered the fairest rate to determine the exchange rate, the mid-market rate is the midpoint between the buy and sell prices on the currency exchange market.

How to use your ANZ card overseas

If you decide you want to take your ANZ card for travel, here's some tips to keep in mind.

• Notify ANZ of your travel plans so they’re aware that you’ll be abroad
• Make sure your daily withdrawal and payment limits are high enough for what you plan to spend on things like accommodation, tours or a rental car
• If you get the option to spend in the local currency or home currency, choose the local currency to avoid the expenses of a dynamic currency conversion
• Check your transaction history frequently, just to make sure there aren’t any fraudulent transactions
• Carry a backup card from a different provider, just in case something happens to your main card

Best alternatives for ANZ Travel Card

Aside from what ANZ offers, there are some providers that specialise in multi currency travel cards. If you’re after a dedicated travel card there are a few available with three popular choices being Wise, Revolut and Travel Money Oz.

Wise

A global fintech company trusted by millions of customers around the world, Wise offers a multi currency debit card that makes spending overseas simple, transparent and affordable. It comes attached to a Wise Account, which allows you to hold balances in over 40+ currencies. You can convert between them at the mid-market rate with a low currency exchange fee.

• Spend in 150+ countries
• Access your account online or through the Wise app
• Physical and virtual cards
• Compatible with digital wallets

Pros	Cons
Mid-market exchange rate Low, transparent pricing Able to hold and exchange 40+ currencies Some fee-free ATM withdrawals monthly up to 350AUD	10 AUD card order fee

🚀 Get your Wise card today

Revolut

Revolut is a financial services provider that offers debit cards alongside their multi currency account. What you get access to through the account does vary depending on which plan you choose, with the options being Standard, Premium or Metal.¹⁰

• Airport lounge access for purchase or discounted depending on the plan
• Discounts on international transfer fees for Premium and Metal account holders
• Physical and virtual cards¹¹
• Can be used almost anywhere Visa or Mastercard are accepted

Pros	Cons
Able to choose the plan with the fee structure and perks that suit you best Transparent fee structure Comes with travel specific perks like airport lounge access discounts	Ongoing monthly fees depending on the plan Additional currency exchange fees after the fair usage amounts have been exceeded or on weekends

Travel Money Oz

Part of the Flight Centre Travel Group, Travel Money Oz offer the Currency Pass prepaid travel money card.¹² It’s powered by Mastercard so is accepted anywhere in the world that Mastercard is.

• Load up to 10 currencies onto the card
• Can still spend currencies that aren’t supported for loading
• Lock in the exchange rate the day you load your currency
• Compatible with certain digital wallets

Pros	Cons
24/7 emergency assistance Transparent pricing No inactivity fees unlike some other prepaid travel money cards	Sets their own exchange rate which varies online and in store, whether it includes a margin is not specified.¹³

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🌎 Enjoy low, transparent fees with the world's most international debit card and save on foreign transaction fees 🌎

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Sources:

1. ANZ - Travel Card Update
2. ANZ - Consumer Credit Cards Fees and Charges
3. ANZ - Personal banking fees
4. ANZ - Visa Debit card
5. ANZ - Frequent Flyer Black
6. ANZ - Frequent Flyer Silver
7. ANZ - Rewards Black
8. ANZ - Visa Debit card T&C
9. ANZ - Credit Card T&C
10. Revolut - Plans at a glance
11. Revolut - Where can I use my Revolut card?
12. Travel Money Oz -Travel card
13. Travel Money Oz -T&C

Sources last checked on date: 12 April 2025