流行TRAVEL 银行卡的比较

重剑无锋

各种流行的TRAVEL 银行卡的比较

DEBIT/CREDIT CARDS
CITI PLUS
NAB GOLD (NOT AVAILABLE)
GE 28 DEGREES (28度卡 / 巫师卡)

DEBIT CARDS/CREDIT CARDS
ISSUER/	Citibank Plus Transaction Account/ Visa debit card	NAB Gold Visa debit card (NOT AVAILABLE)	GE Money 28 Degrees Mastercard - CHOICE AWARD WINNER
CARD
Currencies available	Wherever Visa is accepted	Wherever Visa is accepted	Wherever MasterCard is accepted
Card purchase fee/Initial load fee	NA (debit card)	NA (debit card)	NA (credit card)
ATM fee per withdrawal	None for overseas or in Australia within Citibank Network	None for overseas ATMs with PLUS sign	None charged by 28 Degrees MasterCard for overseas ATM withdrawals, though local ATM fees may apply. Westpac machines are free.
Maximum load	na	na	na
Reload fee	na	na	na
Currency conversion fee	No foreign currency conversion or transaction fees	No foreign currency conversion or transaction fees	No foreign currency conversion or transaction fees
Monthly inactivity Fee	na	na	na
Closure fee	na	na	na
Fee for replacement card?	No	AUD 20 per card issued in Australia; AUD 100 per card issued overseas.	No
Positives	No monthly account fee; no minimum ongoing balance requirement; free international money transfer to any overseas account.	Travel insurance with minimum of AUD 500 pre-paid overseas transport costs; VISA payWave for purchases under AUD 100	No international transaction, currency conversion or annual fees; fee-free withdrawals of cash loaded on your card; 55-day interest free period; Mastercard Paypass for purchases under AUD 100.
Negatives	Must have a Citibank Plus account, which does not pay interest.	Must have an NAB Gold account; AUD 10 monthly account keeping fee unless you deposit at least AUD 5000 per month ;AUD 100 for overseas card replacement; purchases, 19.74% pa.;cash advances, 21.74% pa; no interest paid for NAB account.	20.99% pa interest rate for purchases is on the high side if you don't pay off the balance in time (55 days) and applies immediately to cash advances; no travel insurance included; have to prove identification, credit-worthiness and go through credit card application process, which can take time.

[ 本帖最后由 重剑无锋 于 2012-4-30 12:36 编辑 ]

重剑无锋

PREPAID TRAVEL CARDS 比较

ANZ
HERITAGE BUILDING SOCIETY
CBA
TRAVELEX
AMEX

PRE-PAID TRAVEL CARDS
ISSUER/	ANZ Travel Card	MasterCard multi-currency cash passport (issued by Heritage Building Society)	Commonwealth Bank Travel Money Card - CHOICE AWARD RUNNER-UP	Travelex Prepaid Mastercard (also called "Travelex Cash Passport")	AMEX Global Travel Card
CARD>>
Currencies available	Australian Dollars (AUD), US Dollars (USD), Euro (EUR), Great British Pounds (GBP), New Zealand Dollars (NZD), Hong Kong Dollars (HKD), Canadian Dollars (CAD), Singapore Dollars (SGD), Thai Baht (THB), Japanese Yen (JPY)	AUD, USD, GBP, EUR, NZD, SGD, CAD, JPY, THB, HKD; can be used wherever MasterCard is accepted.	AUD, USD, GBP, EUR, NZD, CAD, JPY, SGD, HKD; can be used wherever MasterCard is accepted.	USD, AUD, NZD, EUR, GBP	USD, EUR, GBP (Each currency requires a separate card)
Card purchase fee/Initial load fee	AUD 11/ load fee is free	1.1% of initial load value or AUD 15, whichever is greater	AUD 15 / load fee is free	1.1% of initial load value or AUD 15, whichever is greater	AUD 15, minimum load of USD 200, GBP 100, or EUR 150
ATM fee per withdrawal	AUD 3.50, USD 2.50, GBP 2.00, EUR 2.20, NZD 4.50, CAD 3.00, HKD 20.00, SGD 4.00, THB 95.00, JPY 260.00	No ATM fees charged by MasterCard (though local operator may apply fee); claim is 1.9 million ATMs wordwide with MasterCard logo	AUD 3.50, USD 2.50, GBP 2.00, EUR 2.20, NZD 4.50, CAD 3.00, JPY 2.20, SGD 3.50, HKD 17	GBP 1.50, USD 2.25, EUR 2.20, AUD 3.75, NZD 4.00	USD 2.00, GBP 1.25, EUR 2.20
Maximum load	AUD 80,000 or equivalent	AUD 100,000 or equivalent	AUD 25,000 or equivalent	GBP 10,000, USD 20,000, EUR 15,000, AUD 25,000, NZD 30,000	USD 15,000 or equivalent
Reload fee	1.1% of reload amount	BPAY fee 1% of reload amount	1.1% of reload amount	BPAY fee 1%, SMS fee 1.1%	Lesser of 1% of your reload or AUD 10.00
Currency conversion fee	3% (for currencies not loaded on card) plus exchange rate difference.	5.95% (for currencies not loaded on card) plus exchange rate difference.	2% (for currencies not loaded on card) plus exchange rate difference.	8.45% (for currencies not loaded on card) plus exchange rate difference.	3% (for currencies not loaded on card) plus exchange rate difference.
Monthly inactivity Fee	Yes, AUD 3.00 per month after 12 months with no transactions; applies to each separate currencyloaded on the card.	Yes, AUD 4.00 per month after 12 months with no transactions	No	Yes, GBP 1.50, EUR 2.00, USD 2.00, AUD 4.00, NZD 4.80 per month after 12 months with no transactions	No
Closure fee	Free	Yes, AUD 10	Free	Yes, AUD 10	Free
Fee for replacement card?	Yes, AUD 35.00 or equivalent outside Australia (no fee within Australia)	No	Yes, AUD 60.00, USD 40.00, GPB 30.00, EUR 35.00, NZD 75.00, CAD 50.00, JPY 3800, SGD 60.00, HKD 300	No	No
Positives	Lowest purchase fee (AUD 11.00) of prepaid travel cards; multiple currencies available and can load 10 at a time.	No ATM fees; Chip and PIN protected; cash emergency assistance; free back-up card; free replacement of lost or stolen cards.	Can load up to six currencies; automatically uses currency of country you are visiting; can transfer funds between currencies while travelling; free backup card.	High load limits; chip and PIN security; emergency money transfers.	Low ATM fees; free backup card; balance does not expire; no inactivity fees; Amex Global Assist Service includes traveller assistance, lost luggage, and lost passport services.
Negatives	High ATM fees; AUD 35.00 for replacement card; AUD 3.00 per month inactivity fee.	1.1% load fee can add up; ATM fee of 2.95% of amount withdrawn if used in Australia; negative balance fee of AUD 20.00.	High ATM fees; high replacement card fee.	Single currency card (only one currency at a time); 1.1% load fee can add up, most cards have flat fees; pricey 8.45% fee per transaction for currencies not loaded on card; AUD 10 closure fee; monthly inactivity fee.	Only available in USD, GBP, and EUR; some international merchants may attempt to apply an AMEX surcharge, which is disallowed in the US; need a separate card per currency.

[ 本帖最后由 重剑无锋 于 2012-4-30 12:40 编辑 ]

guo.wanzi

thanks for sharing, seems citibank is fee free...

花花小米

CITI的确非常好用！

qichxi

不是说28度最好吗？

shuyuanli

比来比去还是28最好啊~~~

name951753

28度毫无悬念的胜出，一堆debit care 和 信用卡比毛，还有，gold已经取消了。就花钱的plus可以看看。

wxxnxs

NAB Gold visa debit card is no longer available. LZ should remove from the list to avoid the confusion, and existing benefits such as no fee for FOREX will be removed from 10/08/2012.

双喜临门

好贴。进来学习了~

PatrickGuo

今天你们经理来我们branch了

bluestarboy

Bankwest 0 Plantium 不也是免手续费的吗？

重剑无锋

28度卡和CITI 确实差别不大，如果主要是在海外现金提款的话。

花花小米

28度卡ms的是pr或者citizen才能申请~ 摆手~

yl001

原帖由 花花小米 于 2012-5-5 12:26 发表
28度卡ms的是pr或者citizen才能申请~ 摆手~

你的意思是这个也能成28度的劣势吗？这个在足迹ALMOST不是问题。。。
澳洲有什么信用卡是非PR可以申请的？只有DEBIT卡吧
非PR可以申请的 只有CBA针对学生的那种吧。

goSeb

学生 照样申请下cba的awards

yl001

原帖由 goSeb 于 2012-5-5 17:26 发表
学生 照样申请下cba的awards

我不是说了吗？这有CBA才可以 免年费的 还不错 往里放钱 然后刷学费 可以CASH BACK几十刀

千本樱oO

呼，终于找到这个对比的表格了，不然一直在纠结到底是28度卡好还是花旗的plus卡好~
多谢楼主！！

MU

有2种

bellevue

DARKICF

28度卡,存钱或者还款的选项有那些?银行转账?

hilltop-bear

其实还要看你要不要买旅游保险

claire.dd

花旗不比28差

qzqz

28老是拒绝我，气啊

shuyuanli

claire.dd 发表于 2013-5-27 21:46
花旗不比28差

功能类似，但花旗没有交易明细，海外交易只显示visa xxxx，连扣款方都看不见

claire.dd

shuyuanli 发表于 2013-5-27 22:13
功能类似，但花旗没有交易明细，海外交易只显示visa xxxx，连扣款方都看不见 ...

看whirlpool上说，出了statement后，上面有detail的。

hzsunnybay

觉得这些卡唯一比28degrees好的地方就是可以锁定汇率