[quote=37203]Thanks for all your help guys ;D
I would like to avoid using a credit card but I’ve heard you can use the 28 Degree Mastercard as a debit card. Is that true?
Also any ANZ or Bendigo Bank travel card users? [/quote]
Any credit card will act as a debit card if the value in the account is positive (ie, you haven’t drawn into the credit amount).
Where the travel cards are good is that you can lock in the exchange rate, the day you load money onto it you get that day’s rate locked in for that amount of money. The Multicurrency Cash Passport standard is a 1% loading fee (1c per dollar, which is next to nothing), it also has free ATM withdrawl’s and Mastercard Transactions. The only fee’s payable is if there is a third party ATM fee.
The principle is the same with other cards, but most charge higher fee’s (loading, currency conversion and withdrawl).
The 28 Degree Mastercard is good value and worth getting, but always make sure you have more than one form of access to money while your away.