Cambodia eVisa Credit Card Surcharge for Australians (2026 Reality)
The Cambodia eVisa price you see at our checkout — $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business — does not include a credit-card surcharge. We charge zero surcharge regardless of card type. What your Australian-issued card adds is a separate FX or foreign-transaction fee from your bank (typically 1.5–3%), which is avoidable with the right card.
Does the Cambodia eVisa price include a credit-card surcharge for Australians?
No — there is no credit-card surcharge added at our checkout. The Cambodia eVisa price for Australians is $80 USD (~$122 AUD) for the Tourist visa or $90 USD (~$137 AUD) for the Business visa, charged at face value regardless of whether you pay with Visa debit, Mastercard credit, AmEx, PayPal, Apple Pay, or Google Pay. What your Australian-issued card will add is a foreign-transaction fee from your bank — typically 1.5–3% of the AUD amount — because the underlying transaction is in USD. On a CBA, Westpac, NAB, or ANZ standard credit card, expect roughly 3% added as a separate line on your statement labelled 'intl txn fee'. The easiest fix is to pay with a no-FX-fee card like Wise debit, ING Orange Everyday, Macquarie debit, or 28 Degrees, all of which add zero on a USD-denominated charge.
Key Takeaways
- The Cambodia eVisa price at our checkout includes zero credit-card surcharge: $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business, charged at face value regardless of card type or scheme.
- Your Australian-issued card adds its own foreign-transaction fee — typically 1.5–3% — because the underlying transaction is in USD. That fee is paid to your bank, not to us.
- Big four (CBA, Westpac, NAB, ANZ) sit at roughly 3% on most cards. AmEx personal around 3%. This adds $3–$4 AUD to the visa total on a standard credit card.
- Cards that charge zero FX fee on USD transactions: Wise debit, ING Orange Everyday (with monthly deposit conditions), Macquarie debit, 28 Degrees, Up Bank, HSBC Everyday Global Account, and Bankwest Breeze Platinum.
- On your card statement the FX fee appears as a separate line item labelled 'intl txn fee' or 'overseas processing fee' — not bundled into the main visa charge. The eVisa charge itself matches the AUD figure shown at our checkout to within a cent or two.
Two different fees Aussie travellers conflate
The phrase 'credit-card surcharge' gets used loosely in Australia, and the most common point of confusion on a Cambodia eVisa transaction is between the merchant surcharge (which is what most domestic Aussie checkouts apply — that 1.5% you see on an Uber Eats receipt for paying with AmEx) and the foreign-transaction fee (which is what your own bank charges you for converting a USD purchase to AUD). They look similar on a card statement and they often arrive on the same transaction, but they come from completely different places.
On our Cambodia eVisa checkout, the merchant surcharge is zero. Whether you pay with a Visa debit card, a Mastercard credit card, an AmEx, PayPal, Apple Pay, or Google Pay, the price displayed is the price charged. The $80 USD (~$122 AUD) Tourist visa stays at $80 USD. The $90 USD (~$137 AUD) Business visa stays at $90 USD. No 1.5% added at the final step for paying with one scheme versus another. We absorb the underlying card processing cost rather than passing it through.
The foreign-transaction fee is a different beast and it depends entirely on which Australian-issued card you used to pay. The big four banks (Commonwealth Bank, Westpac, NAB, ANZ) and most challenger banks apply a foreign-transaction fee on any USD-denominated purchase, regardless of who the merchant is. That fee is between you and your bank — it shows up as a separate line on your statement and it is fully avoidable by paying with a card that has a zero-FX-fee policy. This article walks through how it shows up, what each major bank actually charges, and the easy fix.
If you want the wider picture of how the AUD figure on your statement is calculated from a USD purchase, the AUD conversion guide walks through the live mid-market mechanics. The fees explained piece itemises everything bundled into the $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business price, and the hidden-fees article covers the broader industry patterns. For the umbrella view across cost, processing time, and documents, see the official Cambodia eVisa for Australians hub.
What our checkout does (and does not) charge
Our Cambodia eVisa checkout displays the price in USD with the AUD equivalent shown next to it, calculated at the live mid-market rate at the moment of transaction. When you tap confirm, your card is charged the displayed USD amount. The AUD figure that lands on your card statement is whatever your bank's converted equivalent of that USD charge ends up being — which, before any FX fee, will be within a cent or two of the AUD displayed at checkout, because our shown AUD figure uses the same mid-market reference rate that the card networks use to convert.
There is no merchant surcharge layer between the USD price and the card charge. We do not apply a 1.5% fee for paying with credit instead of debit. We do not apply a 2.5–3% AmEx levy. We do not apply a separate PayPal or wallet surcharge. The bundle includes payment processing, and the underlying scheme costs (which on a USD international transaction are non-trivial for us) are absorbed inside the $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business headline fee. That is a deliberate decision because the 'compare-the-final-total' moment is the one that most often catches Aussie travellers out across the wider visa industry, and we wanted that moment to be uneventful.
How that compares to typical Aussie merchant surcharges
Domestic Australian merchants commonly apply card surcharges: 1.0–1.5% on Visa and Mastercard credit, 2.5–3% on AmEx, occasionally 0.5% on debit. These are passed through under ACCC pricing transparency rules and you see them at checkout. We do not apply any of these on the Cambodia eVisa, which means the $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business is genuinely the full charge from us regardless of card preference. AmEx users in particular often expect a 3% surcharge based on domestic shopping experience — there is none on our flow.
What your Australian bank adds in FX fees
The foreign-transaction fee is your bank's charge for processing a USD purchase on an AUD card. It is calculated as a percentage of the AUD-converted amount and applied separately on your statement. Most Aussies see it as a small line item below the main transaction, labelled 'intl txn fee', 'overseas processing fee', 'foreign currency conversion fee', or similar. On an $80 USD Cambodia Tourist eVisa charged at ~$122 AUD on a 3% bank, the FX fee comes through at $3.66 AUD. On a $90 USD Business eVisa at ~$137 AUD, around $4.11 AUD. Small in absolute terms but worth knowing it is there.
What the big four Australian banks actually charge
The exact FX fee depends on the specific card product — premium and travel-credit cards within the big four sometimes waive the fee (CBA Ultimate Awards, Westpac Altitude Black, NAB Rewards Platinum on some tiers, ANZ Rewards Black on some tiers). If you have a premium card, it is worth checking the product disclosure statement before assuming 3%. The pattern across challenger and digital banks (Wise, Up, Revolut, Macquarie) is zero FX fee on USD by default.
If your card has been declined at our checkout — separate issue from FX fees — the card decline fixes guide walks through the most common Australian-bank decline patterns, including 3D Secure prompts that some banks throw on first-time USD merchants. The wider payment troubleshooting piece covers PayPal currency settings and the small handful of edge cases where a transaction does not settle cleanly first time.
How the Cambodia eVisa charge appears on your statement
On a big-four card statement, an $80 USD (~$122 AUD) Tourist eVisa transaction typically shows up as two separate line items on the same date. The first line is the main charge — our merchant name, with the AUD amount equal to the live USD-to-AUD conversion (somewhere in the $120–$124 AUD band depending on the rate at the moment of transaction). The second line, immediately below or within a few rows, is the foreign-transaction fee — labelled 'intl txn fee', 'overseas processing', or the bank's specific phrasing — at roughly 3% of the main charge, so around $3.66 AUD.
On a no-FX-fee card statement (Wise, Up, Macquarie, 28 Degrees, ING, HSBC, Bankwest Breeze Platinum) the transaction shows up as a single line. Our merchant name, the AUD amount at the converted rate, and nothing else. No FX fee, no surcharge, no second line item. That is the cleanest version of the Cambodia eVisa charge — and the one that matches the AUD figure you saw at our checkout to within a cent or two.
How to verify the charge is correct
Take the AUD figure shown at our checkout. Compare it against the AUD amount on the main charge line of your statement. If they match to within a couple of cents, the transaction settled cleanly at the live mid-market rate. If your bank added an FX fee, it sits on a separate line — that line should be roughly 3% of the main charge on a big-four bank, or zero on a no-FX-fee card.
Why the AUD on your statement might differ slightly from checkout
The AUD figure shown at our checkout uses the live mid-market USD-to-AUD rate at the moment of transaction. By the time the charge settles on your card statement (usually within 24 hours), the rate may have moved by a fraction of a cent, so the AUD on the statement can differ by a small handful of cents either way. The actual USD charge is identical — it is always exactly $80 USD (~$122 AUD) or $90 USD (~$137 AUD). The variance comes from the card network's settlement-time conversion versus our display-time conversion. A few cents of drift on a $122 AUD charge is normal.
The easy fix: pay with a no-FX-fee card
If you have already applied and your big-four bank added $3.66 AUD as an FX fee, that is done — the fee is sunk and it would not be worth a chargeback. The forward-looking move is to use a no-FX-fee card for the verified e-Arrival ($5 USD / ~$7.50 AUD) and for any future Cambodia or other USD-denominated visa transaction. Setting up a Wise account or an ING Orange Everyday takes about ten minutes and pays for itself the first time you book international travel.
No-FX-fee cards that work cleanly on our checkout
- Wise debit — zero FX fee, mid-market rate, fast to set up, multi-currency wallet
- ING Orange Everyday — zero FX fee on overseas purchases when monthly deposit and card use conditions are met
- Macquarie transaction account debit — zero FX fee globally, no monthly conditions
- 28 Degrees Platinum Mastercard (Latitude) — zero FX fee on purchases, credit card not debit
- Up Bank debit — zero FX fee, fully digital, owned by Bendigo
- HSBC Everyday Global Account — zero FX fee, multi-currency
- Bankwest Breeze Platinum — zero FX fee on purchases, credit card
- Revolut (Australia) — zero FX fee up to monthly limits on the free tier
If you prefer to skip cards entirely, the PayPal, Apple Pay, and Google Pay support piece walks through how those wallets land on our Cambodia eVisa checkout. Apple Pay and Google Pay still inherit the underlying card's FX fee policy — so if you have linked your CBA credit card to Apple Pay, you will still see the 3% FX fee. PayPal is slightly different because PayPal does its own currency conversion, which is usually less favourable than your bank's. The refund and cancellation piece covers what happens to the FX fee if you cancel an application (short answer: the visa fee is refunded, the FX fee is not).
Next steps and related reading for Australians: apply for your Cambodia eVisa when you are ready to lodge, bookmark our Cambodia visa hub for Australian citizens as the single canonical reference, skim the FAQ on Cambodia visa eligibility for quick answers, and use our glossary of Cambodia visa terms to decode any acronym in this guide.
Thailand
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Compare →Frequently asked questions
Does VisaToCambodia charge a credit-card surcharge?
No. Our Cambodia eVisa checkout charges $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business at face value regardless of whether you pay with Visa debit, Mastercard credit, AmEx, PayPal, Apple Pay, or Google Pay. There is no merchant surcharge added at the final step. AmEx users in particular often expect a 3% surcharge based on domestic Aussie shopping habits — there is none on our flow.
Why does my CBA / Westpac / NAB / ANZ statement show an extra fee on the eVisa?
That extra line is your bank's foreign-transaction fee — usually around 3% of the AUD-converted amount, labelled 'intl txn fee' or 'overseas processing'. It is applied because the underlying eVisa transaction is in USD, and your bank charges to convert that to AUD. The fee is paid to your bank, not to us. On an $80 USD Tourist visa it adds about $3.66 AUD; on a $90 USD Business visa about $4.11 AUD.
Which Australian cards charge zero FX fee on the Cambodia eVisa?
Wise debit, ING Orange Everyday (with monthly deposit conditions met), Macquarie debit, 28 Degrees Platinum Mastercard, Up Bank debit, HSBC Everyday Global Account, Bankwest Breeze Platinum, and Revolut (Australia) on the free tier within monthly limits. All of these settle a USD purchase at the live mid-market rate with no foreign-transaction fee added.
Does AmEx charge me a surcharge on the Cambodia eVisa?
No surcharge from us on AmEx — the $80 USD (~$122 AUD) Tourist or $90 USD (~$137 AUD) Business price is the same whether you pay with AmEx, Visa, Mastercard, or a wallet. Your AmEx card may apply a foreign-transaction fee of around 3% on its end (standard for AmEx Australia personal cards), which lands as a separate line on your statement. Some AmEx travel-credit cards waive the FX fee — check the product disclosure for your specific card.
Does Apple Pay or Google Pay change the FX fee on my eVisa?
No. Apple Pay and Google Pay are payment methods that inherit the underlying linked card's FX fee policy. If you link a CBA credit card to Apple Pay and pay with Apple Pay, the transaction settles against that CBA credit card and the CBA 3% FX fee still applies. If you link a Wise debit card to Apple Pay, the Wise zero-FX-fee policy applies. The wallet is just a wrapper — the fee comes from the linked card.
What about PayPal — is there a surcharge or different FX rate?
No surcharge from us on PayPal. The wrinkle with PayPal is that it does its own currency conversion at a less favourable rate than your bank's. If you have a USD balance in PayPal, the transaction settles directly in USD without any conversion. If you pay with an AUD-funded PayPal account, PayPal converts USD to AUD using their own rate, which typically adds 2.5–4% over mid-market — comparable to a big-four bank FX fee, just collected by PayPal rather than your bank.
Can I get the FX fee refunded if I cancel the eVisa application?
If we refund the visa fee (within the cancellation window before processing has substantially started), your bank typically refunds its own FX fee as well — because the FX fee is contingent on the underlying transaction, and if the transaction is reversed the bank reverses its fee too. Some banks handle this automatically within a few days; others require a phone call. The cleanest way to avoid any FX-fee question is to use a no-FX-fee card from the outset so there is nothing to reverse.
Does the surcharge or FX fee differ on the Tourist vs Business eVisa?
No. Both products charge at face value with zero surcharge from us. The FX fee from your bank is proportional to the AUD amount, so on a $90 USD Business visa the 3% FX fee comes through as roughly $4.11 AUD, versus roughly $3.66 AUD on the $80 USD Tourist visa. The fee mechanics are identical — just scaled to the slightly higher Business price.
Sources
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