Most accepted credit card in Australia (particularly Melbourne and Sydney)?

By NJDavidA | Aug 11, 2017, 03:13 PM
Which is the one to use when I land? ATMs are plentiful, correct? Or bring USD to exchange? Help... thx David (NJ)
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By Dredgy | Aug 11, 2017, 03:19 PM
All will be accepted. For fee-free ATM withdrawal, your best bet is probably Citi, though they'll still charge a conversion fee iirc. All international airports and major cities have a Citi atm.
Last edited by Dredgy at Aug 11, 2017, 03.20 PM.
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By ChrisCh | Aug 11, 2017, 03:44 PM
Visa and Mastercard are generally accepted almost everywhere (if you see an 'EFTPOS' sign, this generally means you can pay by credit card too).

American Express is accepted in the expected places and in most of the chain stores, but can vary at things like restaurants and smaller stores.

If you have a US Discover card, you can use it anywhere you see a Diners Club logo (or that accepts Diners Club), thanks to a partnership between the two networks in Australia. Don't ask if a business accepts Discover (as some may not know what it is): just ask if they take Diners Club. Diners is the least-accepted card in Australia, though, so you'll find it accepted more broadly at larger businesses and rarely at smaller stores.

Some businesses may also charge a credit card surcharge (most hotels do too), which is commonly in the field of 1-2% for Visa and Mastercard and 2-3.5% for AMEX and Diners/Discover. Many places have no surcharge,  but just warning you in advance as it's not something I've seen in the USA. :)
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By Lala295 | Aug 11, 2017, 04:36 PM
You will find that nearly everywhere accepts both Visa and MasterCard, surcharge free. AMEX and Diners are accepted in most major stores and in tourist locations, however usually attract a 1.5-2.5% surcharge. Most ATMs will charge a exchange fee and ATM fee. It is worth checking if your US bank has an Australian Fee Free ATM partner, for example Bank of America customers can use Westpac or St George ATMs Fee Free.
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