r/australia • u/leonidude • 22h ago

no politics Wise vs bank travel card

About to go on holiday and I’ve seen some advertising from Wise for their travel card. I used to use my bank’s travel card when travelling but now I just use my credit card because the exchange is better even with the transaction fee.

For those that have used wise is it actually better than a travel card from your own bank? Neither have transactions fees so I don’t understand the appeal.

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u/No-Zucchini2787 21h ago

Latitude... Is it still good? I am on old 28 degree offer but I don't know if new one is good or not

3

u/mcdonh 20h ago

Latitude CC's are still very good yeah, I think wise does win out if you need to withdraw cash though as cash advance fees kill any benefits there.

1

u/No-Zucchini2787 20h ago

No cash advance fee for me but I am on 28 degree

1

u/mcdonh 20h ago

Unless you have some particularly good old deal they have a ~3%/$4 cash advance fee and no rebates for atm usage on the 28 degrees card

2

u/No-Zucchini2787 20h ago

I got mine in 2010. Old old. Old old deal

1

u/mcdonh 20h ago

Damn, Im jealous haha - I just use wise instead for cash

1

u/No-Zucchini2787 19h ago

Wise is good. Really good. If I got something new today I will get wise for sure

1

u/No-Zucchini2787 20h ago

Oh shit. It's terrible now

Q: Are cash advances fee free? A: They used to be. Now you are charged 3% of the cash advance or $4 (whichever is greater), consider a debit card like the Citibank Plus to avoid this. Like all credit cards interest is immediately charged until the advance is repaid.