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.
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I already have a black card (master card) but would be interested in the visa black.
Is this card available in Australia and if so how do I apply?
I am aware there is certain criteria to meet.
Thanks,
Tom
Hi Tom,
thanks for the question.
This card doesn’t seem to be available anymore. You may wish to contact Visa directly regarding any news of this card.
Cheers,
Marc.
My visa card has just been cancelled as it may have been compromised how do I find out what transactions caused this situation.
Hi Dan.
Thanks for your question.
You will need to call the lender directly to find out why your account has been closed. They will be able to run through a list of transactions and will be able to identify which transactions are unauthorized.
Cheers.
Jacob.
Hi,
I would just like to know what is the best credit card if I am only after a very low limit ($300 – $500) as I see most cards minimum limits are only $1000.
Thanks
Hi Sara,
Thanks for your comment.
You want to consider student credit card options, there are some where the minimum credit limit meet your criteria.
Cheers,
Shirley
How do I see details of my Visa Credit Card
Hi Victor.
Thanks for your question.
You can see the details of your Visa card through your card issuer’s internet banking facility. For instance, if you had a Citibank Visa Card, you would log on to the Citibank website to manage your account online. You can register your card for internet banking by calling your provider. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered on your transactions.
I hope this helps.
Cheers,
Jacob
We have 62 thousand points on our credit card. How can we apply these to a air flight? Thanks for your help. Joyce
Hi Joyce. Thanks for the question. If you’re looking for specific information about your current card, you will need to provide your card issuer as the process is slightly different for each issuer. Generally speaking, you will need to log into your frequent flyer or awards account and book the flights from there. Say you have a credit card that allows you to earn ANZ Rewards, if you wanted to book a flight, you would do it through the ANZ rewards centre. If you have a direct earn product that is linked to a frequent flyer program, like the Virgin Velocity Flyer, then you would log in to the Velocity Store with your Velocity Membership and book the flights that way. Let me know if you need more information on this process. Jacob.