§ Tool · tier 1 · independent
Foreign Transaction Calculator.
Calculate the true cost of using your credit card overseas
CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
Awaiting inputs
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Using your regular credit card overseas can cost 3-8% extra in hidden fees. This calculator shows your true cost and how much a travel card could save.
§ Worked examples
Real-world scenarios
€500 Purchase Comparison
€500 purchase at 1.65 AUD/EUR. Standard card (3% fee) vs travel card (0% fee).
Inputs
amount:500rate:1.65standardFee:3travelFee:0
Standard card: $825 × 1.03 = $849.75. Travel card: $825. Savings: $24.75 on one transaction!
§ FAQ
Questions Australians ask
§ GlossaryForeign Transaction Fee A fee charged by your card issuer for purchases in foreign currency, typically 2-3.5%. Dynamic Currency Conversion (DCC) When a merchant offers to charge in AUD instead of local currency - always more expensive. Exchange Rate Margin The markup Visa/Mastercard add to the wholesale exchange rate (usually ~0.5%).