Edit, I’ve had lots of feedback on this, and nobody recommended AMEX.

However, I’ve done a bit more research? And for a platinum Amex I will get a refund ( in airports $) of the full 12 month card fee, plus a few airport lounge passes, and free travel insurance, (for up to 180 days, there is some small print on this and I can’t speak to this insurer till next week). The Mastercard has 120 free days insurance. And a ‘priority pass’ lounge membership but I think I still have to pay $35usd to use the lounge.(not interested in that).

Also, a lot of people suggested wise, (i already applied for a card). But i am not sure how best to use this to its full potential. I might be going to other countries, yet tbc.

TIA for any feedback & advice

Amex or Mastercard.

I am considering getting a credit card to put my overseas travel on. They both offer free travel insurance and air points ( from New Zealand).

The Amex has better rewards, but I am unsure if it would be as useful to me as the Mastercard. ( I seem to recall that Amex charges the retailer more, so some won’t accept Amex).

Alsobthe mastercard has free overseas ATM withdrawals ( but high cash advance fees). Has anyone been able to havk the system, overpay their balance so its in credit, and get free cash withdrawal overseas?

Does anyone have feedback?