![]() ![]() Minimum income: $60,000 personal or $100,000 household.Redeem points for statement credit for any travel expense.Visa Airport Companion membership with six free lounge visits per year. ![]() ![]() Plus, earn 3x Scene+ points on grocery purchases at Sobeys, IGA, Safeway, and FreshCo.Earn 1x 2x Scene+ points on groceries, dining, entertainment, and transit.Earn an additional 10,000 Scene+ points upon spending $40,000 in the first year.Earn 25,000 Scene+ points upon spending $1,000 in the first three months.Best Visa Card with No Foreign Transactions Fees As a Mastercard, the HSBC World Elite is accepted at the widest range of merchants worldwide. Officially, you can use this credit to cover seat upgrades, baggage fees, and airport lounge passes, but it’s easy enough to cash out for other purchases made with an online travel agency.įinally, for a card with no foreign transaction fees, you definitely want to have one that you’ll actually be able to use while travelling abroad. Not to be forgotten, you’ll also get a $100 annual travel enhancement credit to offset the $149 annual fee. If you prefer to use frequent flyer programs to stretch the value of your points with business class seats or long-haul flights, you can also transfer HSBC Rewards to British Airways Avios, Cathay Pacific Asia Miles, or Singapore KrisFlyer. They can be used as statement credit to cover any travel expense on the card. If you’re booking local hotels in a foreign currency, for example, you’ll earn lots of points, and you won’t have to worry about extra fees chipping away at your rewards. It also earns 3% on travel purchases, a spectacular rate for that category. The card earns the equivalent of 1% back on all purchases, and 2% on eligible gas, grocery, and drugstore purchases. Whether you’re earning or redeeming, this card offers all sorts of value for purchases made in any native currency. M&S Credit Cardįor example, if you made a non-sterling (foreign currency) transaction of €100 using your M&S Credit Card and applied the MasterCard exchange rate on 6 June 2022 of 1 euro = 0.8848056 GBP = £88.The HSBC World Elite Mastercard is our choice for the best credit card in Canada with no foreign transaction fees. This will usually be within one working day. We will deduct the payment and the relevant fees from your account once we receive the details of the Check the Mastercard website (M&S Credit Card) for more information on the rate of exchange they use when converting your transaction. When you make a transaction in a foreign currency or cash advance/withdrawal with your M&S Credit Card, rates and fees may be added.Īny foreign currency transactions, including cash advances/withdrawals, are converted to sterling by Mastercard or Visa, using the wholesale market rates applying on the day conversion is made. Foreign currency transactions – what’s the cost? A £300 daily cash machine withdrawal limit applies to M&S Credit Cards. Some cash machine operators may also apply a directĬharge for withdrawals from their cash machines and this will be advised on-screen at the time of ![]() You can also withdraw cash (a ‘cash advance’) from cash machines where MasterCard isĪccepted – fees apply, please see details below. You can use your M&S Credit Card to pay for goods and services wherever you see the MasterCard logo. If you want to take cash on your trip, you can purchase M&S Travel Money on your M&S Credit Card and receive no cash advance fee. Phone, so you can contact us if you need any help while you’re away (from overseas call +44 (0)1244 We also recommend that you save our number in your Your correct contact details using Internet Banking (opens It’s important we have the most up-to-date contactĭetails for you, in case we need to contact you while you’re away. Transactions on your account to help protect you. You do not need to tell us if you’re going outside the UK, as we automatically monitor foreign Do I need to let my bank know before I leave the country? ![]()
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