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International fees and charges

Travelling overseas? Prepare to experience all that travel has to offer by taking the right mix of payment options to suit your trip. Compare the fees and charges associated with each payment option and choose the option that best suits your needs - so you can spend more time enjoying your holiday and less time worrying about money.

Travel Money Card

Debit Mastercard

Credit Card

Accessing your money

Load and reload foreign currency on your card first

Funds withdrawn from linked transaction accounts

Funds are drawn down from credit card limit

Card issuing fee

$0 when you order online
$15.00 if ordered in branch1



Account fee


Yes (monthly account fee on linked everyday account may apply)

Yes (annual fees apply)

Overseas ATM withdrawal/Cash advance2

Fixed ATM withdrawal per currency3

Commonwealth Bank ATMs outside Australia and ASB Bank ATMs in New Zealand - AUD $2.00 each

All other cash withdrawals outside Australia - AUD $5.00 plus 3.00% of the transaction value4

AUD $3.00 or 3.00% of transaction value, whichever is greater5

Reload fees




Interest charged




Pay no interest on purchases for up to 55 days, when you pay the full closing balance on your statement by the due date each month

Foreign exchange rates6

Exchange rate is locked in when you order and load foreign currency on your card. Check rates now

Mastercard foreign exchange rate applicable on day transaction is processed

Mastercard foreign exchange rate applicable on day transaction is processed

VISA foreign exchange rate applicable on day transaction is processed

AMEX foreign exchange rate7 applicable on day transaction is processed  – please email American Express at

International transaction fee

Not applicable if you pay in local currency loaded on your card.

If you choose not to pay in the local currency your money will be converted to the local currency at the Mastercard or Visa exchange rate at the time plus 5.25% of the transaction value.

3.00% of transaction value

Transactions converted by Mastercard® or Visa®8  - 3.00%

Transactions converted by American Express*  - 3.50%

Transactions in Australian dollars but with an overseas connection9  - 3.00%

Important information

The card issue fee does not apply for full-time students of an educational institution located in Australia or who are undertaking an Australian apprenticeship, Commonwealth Bank Gold, Platinum or Diamond Credit Card customers or Platinum Debit Mastercard customers, if purchased at a Commonwealth Bank branch.
These fees are charged by Commonwealth Bank. There may be additional fees applied by international banks on top of these and you will be notified of this at the ATM prior to the transaction being completed.
USD 2.50, GBP 2.00, NZD 3.50, CAB 3.00, JPY 220, HKD 17, SGD 3.50, CNY 15.00, VND 50,000, THB 80.00, AED 10.00 (taken from the currency the ATM withdrawal is conducted in).
Cirrus, Mastercard or Visa plus cash withdrawal.
A maximum charge of $300, or a flat fee of $3.00 applies if your closing balance on the previous business day was in credit. The international transaction fee would also apply.
For Travel Money Card, the rate applicable to the conversion is the retail exchange rate at the time of the conversion. For Debit Mastercard or Mastercard credit card, the exchange rate that is applied to a transaction is the exchange rate as of the day of settlement which is the day that Mastercard determines the settlement amount to be exchanged between the acquirer and the issuer. The settlement date is therefore typically different from the date of the actual transaction.
While American Express does not publish an online calculator, rates for transactions in major currencies are comparable with other rates in the market. Cross rates can be provided for transactions. Please email American Express at providing the date of transaction and the currency that the transaction was made in and American Express will respond within 2 business days.
8 Applies anytime cash advances, purchases or permitted transactions are converted by Mastercard, Visa or American Express from foreign currencies to Australian dollar equivalents.  For cash advances, the relevant cash advance charge will also apply.
Applies when you make a purchase or obtain a cash advance in Australian dollars while overseas, or while you are in Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located overseas.  For cash advances, the relevant cash advance charge will also apply.
*CommBank American Express cards are no longer available for sale. Existing cards have been closed but some transactions may still occur. International transaction fees apply to any overseas transactions, including on Platinum and Diamond Awards American Express Cards.