Defined Terms and Documents       

Foreign Transaction Fee means "an international transaction fee applies to all purchases, cash advances or permitted transactions that are converted by MasterCard^®, American Express^® or Visa from foreign currencies to the Australian dollar equivalent, or where a transaction is made in Australian dollars but the party accepting the card is overseas.  The fee for transactions converted by MasterCard or Visa is 3% of the value of the transaction. The fee for transactions converted by American Express is 2.00%. The fee for transactions overseas but in Australian dollars is 2.00%."
 

All such fees listed in Credit Cardholder Fees. 

See: Typical credit card fees and how you can avoid them