Studying in the UK offers exciting opportunities, but managing finances during international travel can be challenging. Selecting the right travel credit card can help you save on foreign transaction fees, earn rewards, and provide added security.
Why Consider a Travel Credit Card?
Using standard debit cards abroad often incurs foreign conversion and transaction fees, ranging from 2.75% to 2.99%, plus flat charges per use. Specialist travel credit cards can help you avoid these fees and offer additional benefits like cashback and rewards. The Times
Top Travel Credit Cards for 2025
1. Barclaycard Rewards Credit Card
- Foreign Transaction Fees: None
- Cash Withdrawal Fees: None
- Annual Fee: £0
- APR: 28.9%
- Perks: 0.25% cashback on eligible purchases.
Wise.com
2. Halifax Clarity Credit Card
- Foreign Transaction Fees: None
- Cash Withdrawal Fees: None (interest applies immediately)
- Annual Fee: £0
- APR: Variable
- Perks: Widely accepted globally.
3. Santander All in One Credit Card
- Foreign Transaction Fees: None
- Cash Withdrawal Fees: 3% (min £3)
- Annual Fee: £3/month
- APR: 29.8%
- Perks: 0.5% cashback on all purchases.
4. NatWest Travel Reward Credit Card
- Foreign Transaction Fees: None
- Cash Withdrawal Fees: 3% (min £3)
- Annual Fee: £0
- APR: 27.9%
- Perks: 1% cashback on overseas spending.
Thesun.co.uk
5. Virgin Atlantic Reward Credit Card
- Foreign Transaction Fees: Standard fees apply
- Cash Withdrawal Fees: Standard fees apply
- Annual Fee: £0
- APR: 26.6%
- Perks: Earn Virgin Points on purchases; bonus points for initial spending.
🎓 Tips for Indian Students
- Eligibility: Ensure you meet the eligibility criteria, which may include a UK address and credit history.
- Credit Building: Using a credit card responsibly can help build your credit score in the UK.
- Budgeting: Set a budget to avoid overspending and accumulating debt.
- Repayment: Always aim to pay off your balance in full each month to avoid interest charges.
CN Traveller
Selecting the right travel credit card can enhance your financial experience while studying in the UK. Consider your spending habits, eligibility, and the benefits each card offers to make an informed decision.
Learn more in our article on Banking Essentials
