​​Travelling with credit cards: Benefits, perks, and considerations for international use

Travelling is an enriching experience, one that allows the broadening of the mind and rejuvenates the soul. But travelling, particularly abroad, often has its fair share of stress – currency exchange being one of the most prominent. However, with the introduction of credit cards, this issue has considerably been eased. When you hit on the apply credit card button, not only does this offer a convenient means to manage your finances, but it even comes with distinct advantages that can make your journey smoother and more enjoyable. Here’s why you must consider using a credit card while on an international trip.   

Advantages and perks of utilising credit cards while travelling abroad 

Eliminates the need for currency exchange

One of the major advantages you must know before you hit on the apply credit card option is while travelling overseas, you no longer need to convert currencies if you have a credit card handy for all transactions. Your credit card automatically converts your purchases to the local currency, sparing you the inconvenience of carrying large amounts of foreign money. 

Offers travel insurance

Many credit cards come with complimentary travel insurance. Based on your credit card type, this coverage may include lost luggage, aircraft cancellations or delays, and even medical crises. 

Endows reward points

Each time you swipe your credit card, you earn reward points that may be redeemed for a variety of perks. These might range from air miles to hotel stays, depending on the sort of card you have. 

Offers special deals and discounts

Credit cards often tie up with various travel-linked services to offer special discounts and deals. This could be on flight tickets, hotel bookings or even at retail outlets and restaurants. 

Provides worldwide acceptance

Credit cards from major providers, such as Visa and MasterCard, are accepted globally. This means you may use them wherever without being concerned about approval. 

Facilitates cash withdrawal

In the event of any financial exigency, credit cards permit you to withdraw funds from ATMs worldwide. However, this option must only be considered during urgent times owing to the association of high charges on such cash withdrawals.   

Considerations when using credit cards abroad 

Currency conversion charges

You are charged a currency conversion fee when you swipe your credit card at the point of sale during your journey. So, you must always check currency conversion charges before zeroing in on any card. Go for the credit card that levies the lowest conversion charge.  

Alert your provider

Before starting your international journey, it is a must to alert your card provider regarding your travel plans. This measure prevents an unexpected blockage of your travel credit card on account of fraudulent or suspicious card usage, especially when you make massive transactions abroad. Notifying your issuer beforehand can allow you to use your credit card smoothly in a hassle-free manner, which further allows you to leverage your travel experience with zero monetary hiccups.  

In conclusion 

Travelling abroad with a credit card is beneficial as it removes distinct possible hassles while endowing various advantages. However, before you zero in on any credit card, ensure you understand the features and expenses attached to the card. If you want to travel internationally, consider placing an application for a card that offers substantial travel benefits and reward points/cashback. By doing so, you can make your travel more about the pleasure of saving and leveraging the benefits available than being concerned about logistics.