Heading to Bali and want to take your Australian credit card with you?
You can use an Australian credit card in Bali, although there are some fees to be aware of. Check out the information below for details.
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Credit cards with no Bali currency conversion fee
Highlights
- Enjoy 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
- Benefit from up to 55 interest-free days.
- Offer exclusively for new customers within a specified period. Additional charges, along with terms and conditions, apply.
Pros
Cons
Highlights
- Annual fee waived.
- 0% p.a. for 6 months on purchases and transferred balances (with a 3% balance transfer fee). Returns to 18.99% p.a. thereafter.
- Offer valid for new customers within a specified timeframe. Additional fees and terms and conditions apply.
Pros
Cons
Thinking of hitting the shops?
Potential fees when shopping with a credit card in Bali
Keep in mind the conversion rate and fees when using your Australian credit card to shop in Bali.
- Currency conversion fee. Most credit cards charge a fee to convert from local currency (Indonesian rupiah) to Australian dollars. If you spend the equivalent of $300 on your credit card, you could be charged up to $9 in currency conversion fees.
- Merchant’s currency conversion fee. You may be charged an additional fee for dynamic currency conversion if you pay in Australian dollars. This makes paying in Australian dollars the more expensive option.
Need to pay with cash?
Using a credit card to get cash in Bali
Credit cards from Australia are widely accepted in Bali. However, it can get expensive quickly if you need to withdraw cash from an ATM. Here's a breakdown of the costs you can expect.
- Overseas ATM withdrawal fee. The local ATM network may charge a fee to withdraw cash (Indonesian rupiah) from an ATM using your Australian credit card.
- Cash advance fee. This is a one-time fee for withdrawing money overseas with your credit card. It typically ranges from 1-3%.
- Cash advance rate. You’ll incur interest at the cash advance rate, which is usually higher than the purchase rate, from the transaction date. Most cards have no interest-free period for cash advances.
Want more help?
FAQs
Do I need to notify my credit card issuer about taking my card to Bali?
Although it is not mandatory, many credit card issuers prefer to know in advance that you will be taking your card with you. If you do not notify them, it is more likely that your card will be blocked for suspected fraudulent activity until you do notify them.
Is it safe to use a credit card in Bali?
Yes, it is safe to use a credit card in Bali. However, you should take the same precautions as you would when at home.
What credit cards are accepted in Bali?
Credit cards from American Express, Mastercard, and Visa are widely accepted, although acceptance varies depending on the merchant.
Is it better to pay in Indonesian rupiah or Australian dollars in Bali?
It is generally cheaper to pay in the local currency. If offered the choice between paying in Indonesian rupiah or Australian dollars, choose to pay in Indonesian rupiah.
Do contactless credit card payments work in Bali?
Yes. You can use contactless cards to pay wherever contactless payments are accepted.
Can you earn points on what you spend with a credit card in Bali?
Yes. Depending on your card, you may even earn reward points at a higher rate per dollar spent while in Bali.
What do I do if I lose my credit card in Bali?
If you lose your credit card, call your bank and report it as lost. They can issue a replacement card and deliver it to your address in Bali.
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