Holidays are meant to be a break, yet spending can often ramp up before you even leave. Flights, accommodation, tours, meals, transport. A credit card can make travel spending simpler, though how you use it matters just as much as which card you carry.

Credit cards can make holiday travel easier. They’re accepted by most airlines, hotels, restaurants and stores, so you can pay securely without carrying lots of cash. A credit card also gives you a backup if unexpected costs come up. And by paying for flights or accommodation upfront and managing repayments over time, you can smooth out your cash flow and enjoy more breathing room before your trip.

One of the biggest surprises for travellers is foreign exchange fees. When you use your card overseas or make purchases in another currency, the transaction is converted back to Australian dollars. Some cards may also add a percentage-based fee on top of that conversion . It’s worth checking your card’s terms before travelling so you know exactly what applies.

A bit of planning goes a long way when it comes to keeping travel costs down. Booking flights and accommodation early can help you lock in better prices, especially during busy periods. It’s also worth being flexible where you can. Travelling mid-week, avoiding peak seasons, and comparing a few options before booking can all make a noticeable difference. While you’re away, small choices add up. Setting a rough daily budget, using public transport, and being mindful of meals and activities can help keep spending in check. Using your banking or card app to track spending can also help you stay on top of things in real time - so there are no surprises later.

Some travellers consider using credit cards that offer rewards points or travel-related perks. While these can be appealing, it’s important to understand how they work and what they cost. Cards with rewards programs or added features often come with higher annual fees, and in some cases, higher interest rates. Depending on how often you use the card and how the points are redeemed, the value you get may not always outweigh those costs. Taking the time to compare fees, benefits, and how you plan to use the card can help you decide whether a rewards-focused option makes sense for you.

A credit card can support flexibility, though it still helps to set boundaries. Having a rough spending plan before departure and checking in on expenses during the trip reduces the risk of returning home to a balance that feels uncomfortable. Credit cards with predictable repayments and transparent fees can make things easier. When repayments and fees are clear, managing holiday spending becomes more straightforward.

For travellers who want a simpler structure, Wizitcard offers an interest free option*. You can use it anywhere Mastercard is accepted, add it to Apple Pay or Google Pay, and manage fixed repayments without interest building over time. When travel costs already feel unpredictable, removing interest and complex fee calculations can make budgeting easier.

This information is general in nature and does not take into account your personal financial situation, objectives, or needs. You should consider whether this product is appropriate for you and seek independent advice if necessary.

*Foreign transactions on your Wizitcard will incur a 3% fee.