How to Use a Credit Card While Abroad? This Is Full Tips and Tricks

3 min read
Credit Card Financial Transaction

Cara Menggunakan Kartu Kredit Saat Di Luar Negeri

These days, direct interactions, especially in making payments, are very limited. As we all know, the pandemic has significantly changed the way we live our daily lives. Therefore, we need to adapt to the current circumstances.

The same applies to how we make payments. In the past, we had to carry cash in our wallets for every transaction. Today, a credit card is all you need. Especially when travelling abroad, choosing a credit card as a valid payment method is one of the best options.

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How to Use a Credit Card While Abroad

Cara Menggunakan Kartu Kredit Saat Di Luar Negeri

But how exactly do you use a credit card overseas? Let’s take a look at the key tips below:

1. Choose the Right Card Issuer

Every bank offers its own credit card services, each with different benefits and drawbacks. Make sure to choose the bank and service that best fits your needs.

2. Check Your Credit Limit

Using a credit card gives you the convenience of paying anytime, anywhere. However, keep an eye on your spending and plan your repayments so you don’t exceed your credit limit next month. Avoid going over-limit!

3. Save Your Credit Card Call Centre Number

In case of any issues with your credit card, you’ll want to contact your bank’s official call centre right away to minimise risks and disruptions. So, don’t forget to save the number!

4. Understand the Transaction Fees

Transaction fees are an important factor to consider when choosing a credit card. Before using it abroad, take the time to research the applicable fees. This ensures transparency and prevents unpleasant surprises.

5. Keep Your PIN and Credit Card Info Private

This is one of the most important ways to protect your credit card from unauthorised use. Never share your PIN or card details with anyone. Also, regularly change your password to avoid the rising trend of scams.

6. Bring Backup Cash and Cards

Even though credit cards can be used almost anywhere, it’s still wise to carry some cash and an ATM/debit card as a backup in case anything goes wrong while you’re abroad.

7. Watch the Exchange Rate

Exchange rates are another key factor to consider when using your card abroad. Calculate carefully to avoid running out of funds. This will help you better manage your travel expenses and stay in control of your budget.

8. Be Aware of Admin Fees

In addition to exchange rates, admin fees can significantly affect your spending. Before using your credit card, check how much each transaction will cost you in fees. These charges can add up fast, so be aware!

With these 8 tips, you’ll feel safer and more confident when using your credit card abroad. However, if these methods feel ineffective for you, especially if admin fees are too high or you’re staying overseas for an extended period, you can always rely on Transfez to send money abroad to your local contacts’ bank accounts.

Transfez not only offers low admin fees but also fast and simple transfers. So, still hesitant to use Transfez?

First-time users can use the referral code “FREETRY” to enjoy a free transfer!
Download now on the App Store (iOS) and Play Store (Android).

Download the Transfez App

The Transfez app helps you send money overseas quickly, efficiently, and cost-effectively. Jack Finance also supports cross-border transactions for businesses. Whether you’re sending money to loved ones abroad for education, work, or travel, Transfez is ready to help. Available on Android and iOS.