Turn any purchase over $250 into an interest-free installment plan and pay over 9, 12 or 15 months, saving on interest.
Compatible with Apple Pay and Google Pay.
Get 110 interest-free days on purchases.
humm90/WRAP enables you to convert purchases of $250 into interest-free instalments that you can repay over 9, 12, or 15 months.
Up to 60 months of interest-free finance at humm partners.
No foreign exchange fees.
The $99 p.a. annual fee.
After 110 interest-free days, interest will be charged at 25.80% p.a. ongoing.
You do not earn reward points on this card.
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Learn about no foreign transaction fee credit cards
Find out how to save money and avoid unnecessary fees on overseas purchases.
What is the foreign transaction fee?
It depends. If you are shopping from a UK online store while in Australia, then you will be charged a foreign transaction fee unless you are using a credit card with no foreign transaction fee. If you are on an overseas holiday and use a credit card that does have a foreign transaction fee, then you will be charged for any foreign transactions made while abroad. So, it really depends on the card you have.
It’s important to note that if you are purchasing something overseas or buying from an overseas e-commerce store, you may still be charged a foreign exchange fee.
Is the foreign transaction fee the same thing as the foreign exchange fee?
No. These are two separate fees. Not all banks charge both.
The foreign transaction fee is levied on transactions that originate overseas.
The foreign exchange fee applies to transactions that are billed in a foreign currency, e.g. GBP, USD, EUR, etc.
Check what you would be charged for either because it is possible that a no foreign transaction fee card may still charge a foreign currency exchange fee.
Even if a no foreign transaction fee card did charge a foreign exchange fee, it would still be cheaper than a card that levied fees on both.
Does the foreign transaction fee cost more than the foreign exchange fee?
No, it generally doesn’t. Typically foreign transactions are charged a flat fee of 1-3% on the total purchase. The foreign exchange fee is typically in the range of 3%, although this varies from bank to bank.
Are there any other foreign fees?
Yes, unfortunately there are.
Overseas ATM Balance Fee: Charged every time you check your credit card’s balance using an ATM while overseas.
Overseas ATM Withdrawal Fee: Charged every time you withdraw cash from your credit card account from an ATM while overseas.
Overseas Cash Advance Fee: Charged every time you withdraw cash from your credit card account while overseas (in addition to the base cash advance rate).
Overseas Emergency Card Replacement Fee: Charged if you request a replacement credit card if lost or stolen while overseas.
What would I be charged to withdraw a cash advance from an overseas ATM using my credit card?
This works out to be extremely expensive and should be avoided unless absolutely necessary.
Overseas ATM Fee: Typically around $5 per withdrawal, unless you are using an ATM with which your bank has an alliance with.
Cash Advance Rate: The base rate of interest for cash advances would be applied, which is typically around 22%.
Overseas Cash Advance Fee: Charged in addition to the base cash advance rate.
Foreign Exchange Fee: Because you probably will not be able to withdraw AUD.
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