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Travelling overseas

Two people on beach with snorkels and gogglesTravel with greater peace of mind, knowing you can manage your credit card while you are overseas.

When travelling with your credit card, you don't need to carry traveller's cheques or large amounts of cash as your credit card opens the door to convenient spending wherever Visa or MasterCard are accepted. Your Visa or MasterCard® credit card is accepted worldwide and gives you access to many ATMs if you need cash.

To avoid any unexpected fees and charges, you should factor cash advance fees and International MasterCard or Visa transaction fees into your travelling budget. Find out more on how to minimise these and other fees.

Here are some tips on preparing your Bank of Melbourne credit card before you leave:
You could consider cards that offer complimentary travel and purchase insurance covers in accordance with the policies - Gold Low Rate Credit Card or Platinum Credit Card
Set up a PIN on your credit card for easy cash advances at overseas ATMs and at merchants that accept a PIN for credit card purchases.
Register for Internet Banking so you can check your balances and make repayments online
Arrange your regular credit card repayments before you leave with an Automatic Payment Plan
Apply to increase your credit limit, if necessary, to avoid over limit fees.

Learn more about some of our credit cards

  • Amplify Visa Card

    • p.a. for up to 6 months on balance transfers4
    • Choose to link your card to two great rewards programs, Amplify Rewards1 or Amplify Qantas2
    • Up to 55 days interest free on purchases when you pay your closing balance in full by the statement due date
    • A low annual fee, currently just $79.
    Apply online More info

  • Platinum Visa Card

    • Complimentary travel and purchase insurance covers when you buy your return flight ticket with your credit card3
    • 24/7 personal concierge service to book travel and entertainment for you
    • Up to 55 days interest free on purchases when you pay your balance in full by the statement due date
    Apply Now More info

Have you considered

Bank of Melbourne SENSE

Bank of Melbourne SENSE

SENSE is two great accounts working together – SENSE Everyday transaction account and SENSE Savings account. With Bank of Melbourne SENSE you’ll save automatically, you can set savings targets and compare spending month by month.

Protect Travel Insurance

Protect Travel Insurance

Peace of mind on your holiday with coverage for overseas medical and dental expenses and personal luggage5.

Unsecured personal loan

Unsecured personal loan

You have the option of a competitive fixed or variable interest rate and could use the funds to consolidate debts into one easy to manage repayment or for a combination of other purposes, the choice could be yours.

The Detail

Conditions, fees and credit criteria apply.

Before making a decision, it's best to read the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch.

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it's right for you. If you need help, call 13 22 66.

1 The earning of Amplify points through the use of an Amplify Card is subject to the Amplify Rewards Terms and Conditions. Amplify points are earned on eligible purchases. Points are not earned on balance transfers or cash advances including ATM withdrawals. You are not entitled to Amplify points in other specified circumstances. You need a minimum of 3,000 Amplify points before you can redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.bankofmelbourne.com.au.
2 The earning of Qantas Frequent Flyer points through the use of an Amplify Card is subject to the Amplify Qantas Terms and Conditions. Qantas Frequent Flyer points are not earned on balance transfers or cash advances including ATM withdrawals. You are not entitled to Qantas Frequent Flyer points in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. Membership and Qantas Frequent Flyer points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but Bank of Melbourne has arranged for this to be waived, for a limited time, for new Amplify cardholders who are not already a member and choose to link their card to Amplify Qantas. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or call or call 13 11 31.
3 These insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507. These benefits are provided to cardholders as complimentary benefits and are subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. No Westpac Group company has any liability in connection with the insurance policies. Please refer to the Gold and Platinum Credit Card Insurance Conditions of Use for a full explanation of cover and exclusions.
4 The balance transfer rate is available to you when you apply for a new Bank of Melbourne credit card and request at application to transfer a balance from Australian issued credit or store cards other than Bank of Melbourne credit cards. Subsequent balance transfers that are requested after the balance transfer period above, will be charged at the standard variable purchase rate. Payments made to your credit card account will be applied as set out in the Credit Card Conditions of Use. After the stated special promotion period any outstanding balance transfer amount will attract your card's standard variable purchase rate. You can apply to transfer $200 or more, up to 95% of your new Bank of Melbourne credit card available limit.