5 best debit cards for travel

The 5 Best Travel Debit Cards to Use Overseas in 2022

Debit cards make life much simpler for many Australians, so taking them overseas is a natural thought, but which is the best debit card for travel for Australians in 2022?

Using your own Australian debit card overseas is extremely handy for paying for shopping, taxis, corner shops and withdrawing cash at ATMs. It is a great option as long your bank does not charge fees for foreign transactions or ATM withdrawals.

So how do you find out quickly where to get one of these debit cards? To save you lots of time, we have compared a large number of debit cards for overseas travellers and have summarised their best points.

Best 5 Debit Cards for Travel for Australians in 2022:

Macquarie Transaction Account Debit Card

Best Features

  • No monthly fees
  • No initial card fee
  • No foreign transaction fee
  • No ATM fees in Australia
  • No ATM fees overseas
  • Contactless limit with no PIN up to $200 per transaction
  • Joint accounts available
  • Get discounts of up to 10% on eGift cards to use at over 50 leading retailers
Macquarie Transaction Account Debit Card is one of the 5 best debit cards for Travel in 2022

Up Bank Transaction Account Debit Card

Best Features

  • No monthly fees
  • No initial card fee
  • No foreign transaction fees
  • No ATM fees in Australia at major banks
  • No ATM fees overseas at major banks
  • Works with Apple Pay and Google Pay
  • Cheapest way to send money overseas through a bank
  • Joint accounts available
  • Competitive savings interest rate
Up Bank Transaction Account Debit Card is one of the top 5 debit cards for travel in 2022

Citibank Plus Everyday Debit Card

Best Features

  • Minimum opening balance required
  • No monthly fees
  • No initial card fee
  • No foreign transaction fees
  • No ATM fees in Australia at major banks
  • No ATM fees overseas at major banks
  • Free bottle of wine at restaurants through Dining program
Citibank Plus Everyday Debit Card is one of the 5 top debit cards for travel in 2022

HSBC Everyday Global Debit Card

Best Features

  • No initial card or closure fees
  • No monthly or account fees
  • No international transaction fees
  • No international ATM fees
  • No cross currency conversion fees
  • Lock in very competitive exchange rates before travel
  • No maximum balance
  • Earn 2% cashback
HSBC Everyday Global Debit Card is one of the top 5 debit cards for travel in 2022

ING Orange Everyday Account Debit Card

Best Features

  • No ATM fees
  • No international transaction fees
  • No initial card fee
  • No account keeping fees
  • Can be used in Australia with no additional costs
  • No fees for paying via bank transfer or Bpay
  • Transfer limits can be set by user
ING Orange Everyday Account Debit Card is one of the five top debit cards for travel in 2022

Learn more about the best travel money, credit and prepaid cards for travel

FAQs

What is the difference between a debit card and a travel card?

The difference between a debit card and a travel card is that you preload a travel card with foreign currency before you leave. The exchange rate is set for your time overseas. Most preloaded currency cards have 10 different currencies on them for you to choose from.

A debit card only has Australian dollars in it. You pay a currency conversion fee every time you make an online overseas purchase or pay with your debit card overseas.

More Travel Card Guides

Learn more about the best travel money cards for your holiday destination.