5 Best Travel Money Cards for Bali in 2024
Navigate Bali with Ease Using the Ideal Travel Money Card
Bali, Indonesia's enchanting island known for its lush landscapes, stunning beaches, and vibrant cultural scene, is a paradise for Australian travellers seeking both relaxation and adventure. Whether you're surfing in Uluwatu, exploring the temples in Ubud, or shopping in Seminyak, having the right travel money card is essential.
In Bali you are likely to pay for accommodation, food and entertainment as well as withdraw cash from ATMs with your card. So which is the best travel card to take with you?
Best 5 Travel Money Cards for Bali in 2024:
- Wise Travel Card for the best exchange rates
- Revolut Travel Card for low fees
- Travelex as the best all-rounder
- ING One Low Rate Platinum Credit Card for no international transaction fee
- HSBC Everyday Global for best debit card for ATM cash withdrawals
Travel Card |
Exchange Rates |
Fees |
Limits |
Wise |
10144.6 | Service fee 0.49% | 2 ATM withdrawals per month under AUD350 |
Revolut |
Live Market | Account Exchange Fees of up to 1.5% | 5 ATM withdrawals per month under AUD350 |
Travelex |
Set daily | Closure fee ($10) Additional card ($5) Inactivity ($4) per month |
Maximum load of $100,000 |
ING One Low Rate Credit Card |
Visa exchange rates with no margin | Overseas ATM ($5) Additional cardholder ($10 each) Late payment fee ($10) |
Credit limits apply |
HSBC |
HSBC Real Time Exchange Rates | Daily maximum ATM withdrawal is $2,000 |
Wise Travel Card - Best Exchange Rates
- 40+ currencies available
- Best exchange rates globally
- One of the lowest conversion fee on the market
- No international transaction fees
- No annual or monthly fees
- Extremely low costs to send money overseas
Fees and limits
- Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
- Free cash withdrawals up to $350 every 30 days. However after that, Wise Card charge a fixed fee of $1.50 per transaction + 1.75%
- Daily ATM withdrawal is $2,700
- Issue up to 3 virtual cards for temporary usage
- It takes between 7 to 14 business days to receive your card
- Can be used wherever MasterCard is accepted
Using the Wise card in Bali
You can use the Wise card all across Indonesia including Bali. You can convert any currency into Indonesian Rupiah and preload the card. Alternatively if you don't have a Bali money balance on the card, when you use it, the card will convert the currency which is loaded, each time you use it.
The Wise Card works just as well in Bali as it does in Australia, the UK or the US. Most places in Bali will accept payment from the Wise card.
Revolut - Low Fees
- 30+ currencies available
- One of the best exchange rates globally
- No international transaction fees
- No annual or monthly fees for standard membership
- No initial card fee
- Instant access to a range of cryptocurrencies
Fees and limits
- No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
- Exchanging currency on the weekend can incur a 1% mark-up fee
- Fees on international money transfers were introduced in April 2021.
- Can be used wherever Visa is accepted
Using the Revolut in Bali
The Revolut Travel Card is one of the best debit cards to use in Bali.
It offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.
Travelex Money Card - Best Support
Key Features
- Unlimited free ATM withdrawals
- 24/7 Emergency Assistance
- Initial and replacement card are free
- No international transaction fees
- Lock in up to 10 currencies
Fees and limits
- Minimum load of $100 and maximum load of $100,000
- Can be used wherever Mastercard is accepted
- Fees include a $10 closure fee, $5 for an additional card and $4 inactivity monthly fee.
- While Travelex don't charge ATM fees, some ATM operators may charge their own fees.
- Currencies that can be loaded are AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$
- If your card is lost or stolen you can access cash in your account through Moneygram or Western Union agents, with no charge
- Boingo hotspots offer free wifi and you can look at their number of free hotspots per country on this map
Using the Travelex Money Card in Bali
The Travelex Money Card is a good all-rounder no matter if you are heading to the bustling streets of Seminyak or experiencing the tranquility of Ubud.
You can use it to take money out of the ATM, for merchant purchases like restaurants and even for online shopping in foreign currency. While the exchange rates aren't as good as the Wise or Revolut cards, the support network if the card is lost or stolen is very good. This attribute can be quite practical when immersing yourself in the rich Balinese culture.
ING One Low Rate Credit Card
Key Features
- No annual fee
- No international transaction fees on purchases
- Up to 45 days interest free on purchases
- Lowest cash advance interest rate of 11.99%
- Use instalment plans to pay off your purchases over time at a lower interest rate
Fees and limits
- 11.99% interest rate on purchases
- $6,000 minimum credit card
- Make payments from your mobile with pay with Apple Pay and Google Pay
- International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
- Put repayments on auto payment each month to pay the minimum balance or full amount
- Can be used wherever Visa is accepted
The ING One Low Rate credit card for travel is a great option to take for your next overseas trip as it has one of the lowest interest rates with no international transaction fee on purchases. These two features alone will save you lots of money abroad.
In addition, it has no annual fee, offers 45 days interest free on purchases and it offers the one of the lowest interest rates for cash advances. Finally, it's super versatile. You can make payments from your mobile with Apple Pay and Google Pay.
HSBC Everyday Global Travel Card - Best Debit Card
Key Features
- Great exchange rates
- No fees at ATMs to withdraw cash
- No international transaction fees
- No initial card, closure, account keeping or monthly fees
- No cross currency conversion fees
Fees and limits
- 10 Currencies can be loaded are JPY, USD, AUD, EUR, GBP, CAD, NZD, SGD, INR and CNY (currency restrictions on CNY)
- No maximum balance for any currency
- Very competitive exchange rates on all currencies when you have currencies already loaded on your card
- ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
- Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100.
- Daily maximum ATM withdrawal is $2,000
- Fraud protection covered by Visa Zero Liability
- Can be used wherever Visa is accepted
The HSBC Everyday Global Travel Card is a good option to take overseas and to spend money with no international transaction fees, international ATM fees and monthly fees.
There is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100.
Editorial note: We may not cover every product in this category. For more information, see our Editorial guidelines.
Choosing the Right Travel Money Card for Bali
Selecting the most suitable travel money card for your trip to Bali involves looking at several important features that can enhance your travel experience. Here’s what to consider:
- No Foreign Transaction Fees: Choose a card with zero foreign transaction fees to save on every purchase in Bali.
- Competitive Exchange Rates: Ensure your card provides close to mid-market rates to maximize your spending power.
- Reliable ATM Access: Choose a card widely accepted at ATMs across Bali, providing you with easy access to cash when needed.
- Robust Security Features: To keep your funds safe, select a card with strong security measures, such as chip and PIN technology and temporary lock capabilities.
Using Your Travel Money Card in Bali
To maximize the benefits of your travel money card while in Bali, keep these tips in mind:
- Inform Your Bank: Notify your bank of your travel dates and destination to prevent any security blocks on your card.
- Understand the Fee Structure: Familiarize yourself with any fees for ATM withdrawals or currency conversions to manage your expenses effectively.
- Carry a Backup: Always have a backup payment option, such as a second card or some Indonesian Rupiah, to cover you in case of emergencies.
Managing Your Finances While Traveling
Effective management of your finances while exploring Bali can help ensure a stress-free holiday. Consider these strategies:
- Budget Carefully: Establish a daily spending limit to help manage your finances without missing out on what Bali has to offer.
- Monitor Your Spending: Regularly check your card’s app or online banking to keep track of your expenses and stay aware of any charges.
- Take Advantage of Perks: Utilize any additional benefits your card may offer, such as discounts on activities, dining, or accommodations, to save money and enhance your travel experience.
FAQs
The best debit card for Bali charges no international transaction fees and offers market exchange rates on currency conversion, this is the Wise Multi Currency card. It has no set up costs, no ongoing costs or fees for inactivity.v
It’s not advisable to carry too much money into Bali, while there is no limit on the amount of foreign currency you bring into Bali, it’s better to only bring enough for 2 days.
You should take both cash and a card to Bali. A travel money card is better than cash for security reasons and that in most places in Bali you can pay with a card. No one can access your cash unless they have your 4 digit pin. If you lose your travel money card you can quickly report it lost or stolen to stop unauthorised transactions. Cash is better for tipping, on transport and in markets.
Yes Bali does take debit cards especially those linked to Mastercard or Visa, less so with American Express. Most debit cards issued in Australia will work in Bali and it’s best to advise your bank that you are travelling to Bali before you leave so they don’t cancel your card while you are away. Debit cards work in a similar way to in Australia, tap and pay or punch in your digits and pay. Always accept the local currency when the DCC screen appears to save money.
The currency in Bali is the Indonesian rupiah. They have 6 banknotes called rupiah and 5 coins called sen. The most common notes you’ll probably be dealing with are the blue Rp. 50,000 banknotes or the reddish-pink Rp. 100,000.
