Banks and other credit card providers usually decide on the mix features that are available on different Visa cards. But some of the Visa benefits you can expect include:
Visa offers a Global Customer Assistance Service so you can report lost and stolen cards from anywhere in the world. You can contact the Visa team on 1800 450 346 (within Australia) or +1 303 967 1090 (international calls).
Visa credit cards in Australia offer tap-and-go payments, as well as insert or swipe options at the checkout. You also won't need to enter a PIN if your contactless card purchase is less than $100.
Many Visa credit cards can also be added to digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay. These options do vary between credit card providers, so make sure you check the card's compatibility before you apply.
If you sign up to Visa Checkout, this service will securely save your payment and shipping information for online shopping with partnered merchants.
This security service adds an extra verification step for online transactions. As an example, you might be asked to enter an SMS code, confirm your date of birth or answer a security question before the payment is processed. Most credit cards that offer Visa Secure automatically enrol you in it.
A Visa card gives you access to exclusive discounts and deals with partnered brands such as Booking.com, THE ICONIC and Hertz. If you have a premium Visa credit card – such as a platinum or black card – you can get more luxury offers, such as hotel upgrades.
A Visa card also gives you access to limited-time ticket offers, movie competitions and other entertainment deals. You can check out the current range of offers on the Visa website.
A platinum Visa credit card (and other premium options) often gives you access to a 24/7 global concierge service. You can contact your concierge on 1800 639 607 within Australia for anything from booking restaurant reservations or scoring tickets to a concert to sending flowers to a loved one.
Some Visa credit cards come with complimentary insurance covers, such as international travel insurance, purchase cover insurance, extended warranty insurance and interstate flight inconvenience insurance and transit accident insurance.
The type of complimentary insurance and amount of cover offered varies depending on the issuer and the Visa credit card. You can check individual card benefits to check if insurance is offered – and remember to read the policy to make sure the cover fits your plans.
If you have a Visa Platinum, Signature or Infinite credit card, you can enjoy exclusive travel and lifestyle benefits all around the world through this exclusive service.
You could get the following Visa Premium perks with your Visa Signature credit card:
Like your very own personal assistant, Visa Signature cardholders have access to a 24/7 Visa Premium concierge service.
Whether you want to snag concert tickets, make a last-minute restaurant reservation or hire a private yacht on your next vacation, your concierge service can organise it for you. You'll have to pay for any purchases required to fulfil your request (such as the concert tickets), but the concierge service is complimentary with your card.
You can contact your Visa Premium concierge on 1800 639 607 in Australia.
You can reserve and purchase pre-sale tickets to events before the general public with Visa Front Line Access. Powered by Ticketek, you'll need to complete the Visa Front Line Access online registration before you can get your hands on the exclusive tickets.
When you register, you'll receive a unique code which you can use to log in and reserve your pre-sale tickets. Visa will notify you of the latest concerts and pre-sale opportunities via email.
You can save on your next holiday with a bunch of exclusive discounts and deals for Visa cardholders. The promotions vary, but can include discounts on online hotel bookings, airport lounge passes, dining, tours and holiday activities. You can see the current list of discounts on the Visa Premium website.
If your card has been lost, damaged or stolen, you can get help from the Visa Global Customer Assistance Services team 24 hours a day, 7 days a week from anywhere in the world. In Australia, the toll-free number is 1800 450 346. If you're travelling overseas, you can find a complete list of local Visa customer service phone numbers on their website.
Before leaving for your overseas trip, save the local Visa customer service phone number for your travel destination in your phone so it's easy to find in the event that you need it.
You can use a Visa Signature card in over 200 countries and territories, including over 2.2 million ATM locations worldwide. Just remember that using your credit card to withdraw cash attracts a cash advance fee and cash advance interest charges. If you have a Visa debit or prepaid card, you can avoid cash advance fees and rates.
When you use an Australian Visa credit card overseas, the payment will automatically be converted from the local currency to AUD. As exchange rates change daily (or more frequently), Visa has an exchange rate calculator on its website where you can check the rates that will apply.
To give you an idea, here are the exchange rates that would apply when travelling to the UK, US or New Zealand when we checked on 29 June 2023:
Based on these examples, the Visa exchange rate was between 0.28% and 0.42% higher than the exchange rate listed by the Central European Bank. So the Visa currency exchange rates would be relatively similar to the exchange rates listed online.
Just keep in mind that credit cards may also have foreign currency conversion fees and charges that affect this rate. The Visa calculator includes a section to help factor in these costs.
Finder's guide unpacks how mortgage holidays work, and how much they could cost you. Understand the benefits and things to watch out for.
Check out Finder's 5 top Qantas and Velocity Points earning cards on the market this month.
We've ranked them all and found the 5 best balance transfer credit cards on the market.
SPONSORED: Feeling the pinch with your home loan? We touch base with two of the best in the business to find out how you can manage it better.
Millions of Australians are too lazy to return unwanted online purchases, according to new research by Finder.
Millions of Australians have been derailed by an unexpected financial emergency over the past 12 months, according to new research by Finder.
We asked Australians how satisfied they were with their Robo advisor. Here's what they told us.
We asked hundreds Australians how satisfied they were with their share trading platforms. Here's what they told us.
We asked hundreds Australians how satisfied they were with their micro-investing-app. Here's what they told us.
We asked hundreds Australians how satisfied they were with their crypto wallets. Here's what they told us.
i have applied a credit on todays date then when i will get card
Hi Laxman,
Thanks for your inquiry,
Generally it can take up to 5-10 business days for the card to be delivered.
I hope this helps!
Cheers,
Jonathan
I want 2 have visa card I wan to Save my money so I don’t have a time 2 come 2 bank can u plz help what can I do can I open my account here 2 my phone?please help
Hi nonkumbuzo,
Thanks for your question.
You can apply for any of the Visa cards on this page online by clicking ‘go to site’. You may be able to submit your documents electronically rather than going into the bank, but you may need to confirm this before you apply.
I hope this has helped.
Thanks,
Elizabeth
Thank u very much love Elizabeth
I am looking for 0% on purchases for 12+ months, low to no annual fee and no surcharge on foreign purchases.
Hi Olivia,
Thanks for your question.
Unfortunately, I’m unaware of a credit card that offers all three of these features. However, you can compare a range of no annual fee cards with no foreign transaction fees, and look at the cards with long term purchase rate offers.
I hope this has helped.
Thanks,
Elizabeth
which low interest card or cards, has no international transaction fees?
Hi Peter,
Thanks for your question.
You can compare cards with no international transaction fees and no foreign transaction fee credit cards. Using the table, you can click the ‘interest rate’ column to filter the table’s results to see them ranked by the lowest interest.
I hope this has helped.
Thanks,
Elizabeth
I have an Australian Visa credit card issued through a Mutual Bank. If I use this card in the UK, what are the charges? Where do I find the currency rate for that particular day and is there a buying and selling price.
Hi Dave,
Thanks for the question.
The charges depend on the particular card you have, but generally you will be charged a foreign currency conversion fee for purchases which is around 2-3% of the purchase amount. You may also be charged overseas ATM fees and other overseas charges, which you can find out from your Mutual Bank. Foreign exchange rates are usually listed by banks on their website.
I hope this has helped.
Thanks,
Elizabeth