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Revolut AU review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Revolut AU suits anyone who wants a fee free credit card with rewards and no routine charge. The annual fee is €0 and currency conversion fees run 0% to 1%, so keeping the card and paying abroad both stay cheap for everyday use.

Key facts

Best for
A fee free credit card that pays points and covers many currencies in the same app.
Annual fee
€0 (Source, checked September 26, 2026)
APR
13.34% to 17.99% (Source, checked September 26, 2026)
Currency conversion fee
0% to 1% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
1.5 points per EUR1 (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Revolut Digital Assets (Europe) Ltd (Source, checked September 26, 2026)
Headquarters
Cyprus (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Chat, Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Official website
revolut.com

Debit cards

Monthly fee
£0 (Source, checked September 26, 2026)
Currency conversion fee
0% to 1% (Source, checked September 26, 2026)
Free ATM withdrawals
£200 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Currencies
160 (Source, checked September 26, 2026)
Legal entity
Revolut Digital Assets (Europe) Ltd (Source, checked September 26, 2026)
Headquarters
Cyprus (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Chat, Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Rewards

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataXLinkedInTrustpilot

Pros and cons

Pros

  • The annual fee is €0, so keeping the card open costs nothing
  • Free ATM withdrawals come to £200 for cash abroad
  • Rewards are worth 1.5 points per EUR1 on the credit card
  • Support runs through chat, email and phone

Cons

  • Credit interest runs at 13.34% to 17.99%, so a carried balance costs real money
  • The card is a credit card, so overspending builds a balance that accrues interest
  • Rewards come as points rather than cash back, which suits only readers who redeem points
Revolut AU

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Scored 9.1 / 10 by DebitCue.

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Who it suits

  • Travellers who pay in several currencies and want low conversion fees
  • People who want points on everyday spending without an annual charge
  • Anyone who values phone and chat support for quick questions

Who should look elsewhere

  • Oney Préstamos ES, where the annual fee is €10 rather than €0
  • Gulf Bank, where the APR is 8.33% if borrowing cost matters more than points
  • Amwal, which also charges an annual fee of SAR 0 in a different market

Fees and FX

The credit card carries an annual fee of €0, so holding it open costs nothing to keep. Borrowing is the part that costs: credit interest runs at 13.34% to 17.99%, which is what a carried balance is paid at. Spending or withdrawing in another currency adds 0% to 1%, so a trip abroad is where that rate matters most.

How Revolut AU compares

Where Revolut AU is available

Available
Australia
Licence in Cyprus
Cyprus Securities and Exchange Commission (CySEC) (MiCA CASP 549300ET4IUR6RCZOL84), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Licence in Lithuania
LT_BL (PSD_EMI LT_LT_BL_304940980), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

Is there an annual fee on the Revolut AU credit card?+

The annual fee is €0, so there is no routine charge for holding the card open. The monthly fee is £0 as well, which keeps the day to day cost low. Costs come from borrowing and from currency conversion instead.

What does it cost to borrow on this credit card?+

The interest rate on the credit card is 13.34% to 17.99%. That is the figure to weigh if you expect to carry a balance, and paying the balance in full each month avoids it. The card is a credit card, so credit does have to be repaid.

What does it cost to pay in another currency?+

Paying in a currency other than the account currency adds 0% to 1%. Choosing the local currency when a terminal offers it keeps that charge away, and holding balances in the currency you spend in reduces the same cost when you travel.

What rewards does the card pay?+

The card pays 1.5 points per EUR1 in points, so spending earns points rather than cash back. Points suit readers who already redeem rewards, and the rate applies to the credit card rather than the debit card.

Who regulates Revolut AU and what are its licences?+

Two regulators are listed for Revolut AU: the Cyprus Securities and Exchange Commission (CySEC) in Cyprus and LT_BL in Lithuania. The account sits under Revolut Digital Assets (Europe) Ltd, with licence references MiCA CASP 549300ET4IUR6RCZOL84 and PSD_EMI LT_LT_BL_304940980.

How do I get help if something goes wrong?+

Support runs through chat, email and phone, so you can reach the team by in app chat, email, phone or the help centre. Phone support is the quickest route for anything urgent, while the help centre handles account questions without waiting.

Which currencies can the account hold?+

The account holds 160 currencies, and the card is a debit card on the visa network. That makes it practical for trips where you want to hold and spend local currency rather than converting at each purchase.

Are free ATM withdrawals available?+

Free ATM withdrawals come to £200. Anything beyond that allowance is likely to carry a charge, so it is worth planning cash needs around the allowance when you travel, and paying in the local currency where possible.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Revolut AU

Revolut AU

A fee free credit card that pays points and covers many currencies in the same app.

9.1/10Visit