Choosing the right Travel Money Cards for your next holiday

Out of the 5 Travel Cards that I have used listed below, Citibank Plus Debit card is my choice for my next trip.

Citibank Plus Debit Card:  Some Information below has been provided by Citibank website.

Citibank Plus has features that include: Pay $0 Citibank fees for any overseas ATM or in-store transactions. ( Citibank Australia does not charge Citibank Plus everyday account holders a fee when they withdraw funds from an international ATM or use their Visa Debit card to make in-store purchases overseas. Customers may be charged by the third party provider, which Citibank Australia does not control.)

I have found that the ATM fee if any has been low and the best part is the ATMs that I used overseas display the ATM fee before I completed my transaction.

Citibank Plus card also provides Fee-free international money transfers to any bank, but always check if the receiving bank may charge a fee.

And the best part of the Citibank plus card is that minimum opening balance is $0. There is no inactivity fee charged like other Travel cards.  And some Travel cards do charge you if you cancel the card if you no longer require it.  Some charge a reload fee but I have found that most are charging $0.  This is something to look out for.   https://www.citibank.com.au/aus/banking/everyday_banking/citibank_plus.htm

28 Degrees MasterCard: 

This 28 Degrees MasterCard is another great Travel card as it allows you to add your money but also having credit available for emergenacy funds was a good idea too. The best features of this card include: No annual fee / No currency conversion fees / No international transaction fees on purchases. But I use this card for purchases only overseas as no international transaction fees helps. 🙂

http://www.28degreescard.com.au

Travelex Multi-currency Cash Passport card

This Travel card from Travelex that I have used is the Travelex Multi-currency Cash Passport card and has the  following currencies that you can use.

Qantas Travel Card:

The Qantas Travel card can be useful if your aim is to earn points while traveling or using the card in Australia with your money that you load up. The features of the card include:  The information is from qantascash.com

• Earn one Qantas Point for every
  $1 of eligible spend in foreign currency*
• Earn one Qantas Point for every
  $2 spent in Australian dollars*
  
• No load fees on our prepaid Mastercard^{^}
• No currency conversion fees when you make a purchase or ATM withdrawal with funds in the local currency on your card^x
• No monthly account fees on active accounts^{^}
• No domestic ATM fees charged by Qantas^~
• Lock in exchange rates on up to 10 currencies⁺
• No booking fee on qantas.com when booking within 7 days of travelling^{^}
• Use Qantas Cash at millions of MasterCard® locations worldwide^#
• Q-chip enabled for Smarter, Faster Check-in at the airport^**

The fees for the Qantas Cash card inlcude:

Purchase, Load, Reload, Transaction, Cash Out, Card to Card Transfer or Monthly Fee	No fee#
International ATM withdrawal fee (outside Australia)	AUD 1.95; USD 1.95; GBP 1.25; EUR 1.50; THB 70;NZD 2.50; SGD 2.50; HKD 15.00; CAD 2.00; JPY 160; AED 6.50.^
Currency Conversion Fee	3% of transaction value~

 

Please refer to http://www.qantascash.com/why-qantas-cash/fees-and-charges/ for additional information on all fees and charges.

Velocity Global Wallet:

The Velocity Global Travel card is also a reloadable Visa Prepaid card which you can load your own money with about 11 foreign currencies, The 11 different currencies that include:

AUD – Australian Dollar CAD – Canadian Dollar EUR – Euro GBP – Pound Sterling HKD – Hong Kong Dollar JPY – Japanese Yen

NZD – New Zealand Dollar SGD – Singapore Dollar THB – Thai Baht USD – US Dollar ZAR – South African Rand