2 Best Travel Cards for Vietnam (2024)

Getting an international travel card before you travel to Vietnam can make it cheaper and more convenient when you spend in Vietnamese Dong. You'll be able to easily top up your card in AUD before you leave Australia, to convert seamlessly to VND for secure and flexible spending and withdrawals.

This guide walks through our picks the best travel cards available for anyone from Australia heading to Vietnam, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Vietnam. Wise accounts can hold 40+ currencies, so you can top up in AUD easily from your bank or using your card. Whenever you travel, to Vietnam or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in VND, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Go to WiseRead a full Wise review

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in VND when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone

• 10 AUD delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 7 - 14 days to arrive (you can use your virtual card right away)

Go to Revolut

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 30+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access

• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your Australian Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to Vietnam or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app, although you can also often add money in person by visiting a branch - we've picked out the Westpac travel card and the Travelex travel card as popular prepaid cards with a branch network in Australia, for example.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to Vietnam. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday AUD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for Vietnam

We've picked out 2 great travel cards available in Australia - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for Vietnam include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in VND can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences. If you're looking for a low cost card with the mid-market rate, which you can use in 150+ countries, the Wise card may be a good fit. If you'd prefer to pay a monthly fee to get higher no-fee transaction limits, take a look at Wise. And if you need to get a card in a hurry, check out a travel card from a provider with a physical branch network, like the Westpac card or the Travelex travel money card.

What makes a good travel card for Vietnam

The best travel debit card for Vietnam really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it's the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you're paying when you spend in VND.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It's also important to look into the security features of any travel card you might pick for Vietnam. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

For Vietnam in particular, choosing a card which offers contactless payments and which is compatible with mobile wallets like Apple Pay could be a good plan. Card payments are extremely popular in Vietnam - so having a card which lets you tap and pay easily can speed things up and make it more convenient during your trip.

Ways to pay in Vietnam

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In Vietnam, both card payments and cash payments are common. You'll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go, but it's still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use VND?

You'll find that VND can only be used in Vietnam. If you don't travel to Vietnam frequently it's worth thinking carefully about how much to exchange so you're not left with extra foreign currency after your trip.

What should you be aware of when travelling to Vietnam

You're sure to have a great time in Vietnam - but whenever you're travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you're been to Vietnam before it's worth looking up the most recent entry requirements so you don't have any hassle on the border

2. Plan your currency exchange and payment methods - you can change AUD to VND before you travel to Vietnam if you'd like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in AUD and either exchange to VND in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach Vietnam to make an ATM withdrawal in VND if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave Australia so you have peace of mind. It's also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don't offer fair prices or adequate services.

Conclusion - Best travel cards for Vietnam

Ultimately the best travel card for your trip to Vietnam will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

How does a Vietnamese Dong card work?

Getting a Vietnamese Dong card can make managing your money easier when you travel to Vietnam.

Your Vietnamese Dong card will be linked to a digital account you can manage from your phone, so you'll always be able to see your balance, get transaction notifications and manage your card no matter where you are. Just add money to your account in pounds, and - depending on your preferences and the specific card you pick - you can either convert your balance to Vietnamese Dong instantly, or just let the card do the conversion when you spend or make a withdrawal.

If your card gives you the option to hold a Vietnamese Dong balance, there's not normally any extra fee to spend the Vietnamese Dong you have in your account when you're in Vietnam.

Can I withdraw Vietnamese Dong currency with my card in Vietnam?

With some cards, you'll be able to add money to your card in Australian Dollar, and then convert to Vietnamese Dong instantly online or in your card's app.

Once you have a balance in Vietnamese Dong you can spend with your card with no extra fees - just tap and pay as you would at home. You'll also be able to make cash withdrawals whenever you need to, with no extra conversion fee to pay. Your card - or the ATM operator - may charge a withdrawal fee, but this can still be a cheap, secure and convenient option for getting cash when you need it.

With other cards, you can't hold a balance in Vietnamese Dong on your card - but you can leave your money in Australian Dollar and let the card convert your money for you when you spend and withdraw.

Some fees may apply here - including currency conversion or foreign transaction charges - so do compare a few different cards before you sign up, to make sure you're picking the one which best suits your specific spending needs.

Bear in mind though, that not all cards support all currencies - and the range of currencies available with any given card can change from time to time. If your card doesn't let you hold a balance in Vietnamese Dong you might find that fees apply when you spend in Vietnam, so it's well worth double checking your card's terms and conditions - and comparing the options available from other providers - before you travel, just in case.

Why should I get a Vietnamese Dong card?

Getting a Vietnamese Dong card means you can spend like a local when you're in Vietnam. You'll be able to check your Vietnamese Dong balance at a glance, add and convert money on the move, and use your card for secure spending and withdrawals whenever you need to. Best of all, Vietnamese Dong cards from popular providers often offer good exchange rates and low, transparent fees, which can mean your money goes further when you're on a trip abroad.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their AUD / VND rate to calculate how much Vietnamese Dong you would receive when exchanging / spending $6,000 AUD. The card provider offering the most VND is displayed at the top, the next highest below that, and so on.

The rates were collected at 09:36:26 GMT on 25 May 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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