Personal Finance Tips

Best travel money cards in Australia (2025 Comparison)

Yadana Chaw

04.04.25 (last updated)

Read time 6 minutes

If you’re about to head off overseas, for business or pleasure, getting the best travel card based on your destination and spending patterns can help you save money. You may be able to access great exchange rates, low or no fee ATM withdrawals, and ways to convert your AUD to the currency in your destination conveniently. That makes foreign currency spending easy, cheap and secure.

Join us as we explore some great options for the best travel money card in Australia, including providers like Wise and Revolut, and banks like Commbank.

Table of contents
What is a travel card? Best travel cards - Main Comparison Wise Revolut Travelex Commbank Travel Money Oz Which should you choose in Australia?

What is a travel card?

A travel card is a debit card optimised for overseas spending. Often travel cards are linked to digital accounts which can hold foreign currencies. This means you can add money in dollars when you choose to, and then convert to the currency you need to spend and withdraw in your destination to lock in the exchange rate and view your travel budget.

You usually find that there’s no fee to spend and withdraw in a currency you hold in your account, and no foreign transaction fee. That can keep down the overall costs of your trip.

Things to consider when choosing a travel card

We’ve got a great guide to the best travel money cards in Australia coming up - when you choose the right one for you, consider these features and potential fees:

Does the card support the currency or currencies you’re likely to need for overseas spending?

What are the exchange rates and do they include a fee when you convert?

Are there monthly fees to pay - or is there an inactivity fee which kicks in if you don’t use your card for a while?

Can you manage and top up your account conveniently, either in person or using an app while you’re away from home?

Is the card secure and can you freeze or cancel cards in the app if you ever need to?

Do you get a virtual card for extra security?

Best travel cards in Australia - Main Comparison

Getting the best card for overseas travel can mean you cut down on fees, while helping you manage your money conveniently and securely across all the currencies you need for your trips abroad.

So - what is the best travel card for you? Let’s start off with a side by side comparison of most popular travel cards in Australia. We’ve then got more information on each right after.

Features	Wise	Revolut	Travelex	CommBank	Travel Money Oz
Account Fee	No fee	0 AUD - 24.99 AUD per month¹	No fee³	No fee⁴	No fee⁵
Physical Card	Available	Different cards based on plan	Available	Available	Available
Virtual Cards	Available	Available	Not available	Not available	Not available
Loading Fee	Add money for free with local bank details in 8+ currencies	Free options available Some methods have fees up to 2.5%²	Free options available In store costs a minimum 15 AUD	No fee	Free options available in store Up to 1.1% for some methods⁶
Available Currencies	40+	30+	9	16	10
Exchange rate used	Mid-market rate	Revolut rate for weekday exchange to plan limits	Travelex rate which may include a markup	Visa or Commbank rate, depending on transaction type Commbank rate includes a fee	Travel Money Oz rate
ATM Withdrawal	Up to 2 withdrawals per month, to 350 AUD in value, fee free	No fee to plan limits - then 2% after that	No Travelex fee	3.5 AUD	Variable fees based on currency, around 3.5 AUD
Other Fees	10 AUD card order fee Currency exchange from 0.65%	0.5% fair usage fees apply on currency exchange above plan limit Out of hours fees apply on weekend	4 AUD/month inactivity fee	3% foreign transaction fee if you spend in a currency you don’t hold in your account	10 AUD cash out fee 2.95% domestic ATM fee

*Details correct at time of research - 17th March 2025

Wise

Wise offers an international digital account and card which you can use for holding 40+ currencies and spending in 150+ countries with no foreign transaction fees.

Main features:

40+ supported currencies, with mid market exchange rate for conversion

Free to spend a currency you hold in your account

Some ATM withdrawals monthly for free, before Wise fees begin

No ongoing fees or minimum balance requirement

Add money yourself in AUD or receive payments in 8+ currencies with local and SWIFT account details

Send payments to 140+ countries

Fees:

Conversion and sending fees from 0.65%

10 AUD card order fee

Up to 2 ATM withdrawals per month, to 350 AUD in value, fee free. - 1.50 AUD + 1.75% after that

✅ Pros	❌ Cons
Mid market exchange rates No ongoing fees to pay Low, transparent conversion costs and no foreign transaction fee Spend in 150+ countries	10 AUD card order fee 7 - 14 day card delivery time Variable fees for conversion apply

Revolut

Revolut offers different account plans which have their own features and fees, so you can select the one which works best for your spending needs.

Main features:

30+ supported currencies for holding and exchange

Revolut rate for weekday exchange to plan limits

All accounts come with virtual and physical cards

Some no fee ATM use offered monthly, based on the plan you pick

Send foreign payments conveniently with varying fees

Fees:

0 AUD - 24.99 AUD per month account fee

No fee for ATM withdrawals to plan limits - then 2% after that

0.5% fair usage fees apply on currency exchange above plan limit

Out of hours fees of 1% apply on weekend currency exchange

✅ Pros	❌ Cons
Different account options based on need and usage Some no fee ATM use and weekday currency conversion monthly Spend and withdraw more or less globally Good range of 30+ supported currencies	Fair usage fees apply when you exceed plan transaction limits Out of hours conversion fees apply on weekends Ongoing fees apply to some account plans

Travelex

The Travelex card is a popular travel card you can get in Australia in a physical store or online, to hold and spend 9 currencies.

Main features:

9 supported holding currencies, use your card globally

Add money online, in app and in store for convenience

No card order fee, no ongoing fees, and no minimum balance

No additional fee to spend currencies you hold in your account once converted

No Travelex ATM fee - ATM operators may charge their own fees

Fees:

In store loading costs a minimum 15 AUD

4 AUD/month inactivity fee

The Travelex rate may include a markup

✅ Pros	❌ Cons
Easy to get and top up your card Lock in the exchange rate on 9 different currencies No ATM fee from Travelex No account opening or monthly fee with normal usage	Exchange rates can include fees when you convert and spend Inactivity fees apply if you don’t use your card often Not all load methods are offered for free

Commbank

The Commbank travel card can be used to spend in 16 currencies conveniently and with low fees.

Main features:

16 supported card currencies

No card order or ongoing fees to pay

Spend globally - fees apply if you spend an unsupported currency

Go to a bank branch if you want face to face service or support

Free to top up

Fees:

Commbank exchange rate includes a fee

3% foreign transaction fee if you spend in a currency you don’t hold in your account

3.5 AUD ATM fee

✅ Pros	❌ Cons
Get your card online, in app or in a branch Hold 16 currencies to lock in the rate Use in ATMs globally Face to face support if you ever need it	Exchange rate includes a fee Foreign transaction fee if you don’t have the currency you need ATM fees of 3.5 AUD

Travel Money Oz

The travel card from Travel Money Oz is another popular local option which supports 10 currencies for holding, with no ongoing fees to pay.

Main features:

10 supported currencies

No monthly fee to pay

Use your card with a wallet like Apple Pay

Visit a branch if you prefer face to face service

Some free top up options

Fees:

Exchange rate is likely to include a markup

Variable ATM fees based on currency around 3.5 AUD

10 AUD cash out fee if you close your account

2.95% domestic ATM fee

✅ Pros	❌ Cons
10 supported currencies Easy to use card which is accepted globally No card order fee, no monthly fee Top up in person or in a retail location	Exchange rate is likely to include a markup ATM charges of 3.5 AUD + 2.95% if you use your card in Australia Account closure fee applies

Summary - Which should you choose in Australia?

There’s no single best card for travel - which is right for you may depend on your plans and your preferences.

If you want a travel card which you can get in person, you may like the Travelex card, Commbank card, or the Travel Money Oz card. These options have a smaller range of currencies compared to Wise or Revolut, and do have some fairly high fees, but they do let you top up in a branch and get face to face service if you ever need it.

Revolut may be a great choice if you're seeking extra features such as higher withdrawal limits and don’t mind paying a monthly maintenance fee.

If you want a solid everyday account and card which you can use for travel and local use, Wise may be the best travel card for you. With no monthly fees and access to currencies at the mid-market exchange rate, you're usually getting the best value for your money every day.

🚀 Get your Wise card today

Sources:

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.