Maximise points, save on fees, and travel smarter
Travel credit cards can help Australians earn frequent flyer points, enjoy airport lounge access, save on foreign transaction fees, and unlock travel insurance perks. Whether you’re a frequent international traveller or an occasional holidaymaker, choosing the right travel credit card can significantly reduce costs and enhance your travel experience.
This guide breaks down the best travel credit cards in Australia, what makes them great, and how to choose the right one for your travel style.
What Makes a Great Travel Credit Card?
When comparing travel credit cards, look for:
- High rewards points earn rate (Qantas, Velocity, or flexible points)
- Low or zero foreign transaction fees
- Complimentary travel insurance
- Airport lounge access
- Bonus sign-up points
- Reasonable annual fees
- Extra perks (hotel status, concierge, cashback, etc.)
Best Travel Credit Cards in Australia
1. American Express Platinum Card
Best for premium travellers
Why it’s great:
- Extensive global airport lounge access
- Premium travel insurance
- High rewards points earn rate
- Hotel elite status benefits
- Luxury travel concierge services
Ideal for: Frequent international travellers who want luxury perks.
2. ANZ Frequent Flyer Black
Best for Qantas Points earners
Why it’s great:
- Strong Qantas Points earn rate
- Complimentary travel insurance
- Bonus points offers
- Qantas lounge invitations (limited)
- Competitive international spend rewards
Ideal for: Travellers loyal to Qantas.
3. Westpac Altitude Black
Best for flexible rewards
Why it’s great:
- Earn Altitude Points redeemable for flights and hotels
- Travel insurance included
- Concierge and purchase protection
- Bonus points promotions
Ideal for: Travellers who want flexibility across airlines.
4. NAB Rewards Platinum
Best for low annual fee + travel perks
Why it’s great:
- Competitive rewards earn rate
- Included travel insurance
- Affordable annual fee
- No international transaction fee on select plans
Ideal for: Budget-conscious travellers.
5. CommBank Awards Ultimate
Best for no international transaction fees
Why it’s great:
- Zero foreign transaction fees
- Strong points earn rate overseas
- Travel insurance included
- Airport lounge passes
Ideal for: Australians who spend frequently overseas.
6. Virgin Money Velocity Flyer
Best for Velocity Frequent Flyer members
Why it’s great:
- Velocity Points on everyday purchases
- Complimentary travel insurance
- Bonus sign-up points
- Travel perks and flight upgrades
Ideal for: Virgin Australia frequent flyers.
How to Choose the Right Travel Credit Card
Choose based on your travel habits:
- Fly Qantas often? Choose Qantas-linked cards
- Fly Virgin Australia? Choose Velocity-linked cards
- Want flexibility? Choose cards with transferable points
- Travel internationally often? Avoid foreign transaction fees
- Want luxury perks? Consider premium or Platinum cards
Tips to Maximise Travel Credit Card Benefits
- Use your card for everyday spending to earn points faster
- Pay off the balance in full each month to avoid interest
- Take advantage of bonus points sign-up offers
- Redeem points strategically for flights instead of merchandise
- Use complimentary travel insurance and lounge access when available
Are Travel Credit Cards Worth It?
Travel credit cards can be highly valuable if:
- You travel at least once or twice per year
- You pay your balance in full monthly
- You actively use travel perks and reward points
However, if you carry debt or don’t travel often, a low-interest or no-fee card may be better.
Final Thoughts
The best travel credit card in Australia depends on your spending habits, airline loyalty, and travel goals. If you value luxury and premium perks, go for high-end cards. If you want points and low fees, choose a rewards-focused option.
A well-chosen travel credit card can help you fly more, save more, and travel smarter.
