well, sure, there are other Coles cards that do have an annual fee - but when I said mine didnt, even without me saying which one it was, it seemed rather odd that somebody was disputing that and telling me it did.
As if I somehow didnt know if my own card had an annual fee. 🤷♀️
Ive never taken a cash advance on a credit card, either in Australia or elsewhere, so cost of that is irelevant to me
Your first post read as if purchases on the card incurred that $5 surcharge - which they do not.
I dont recall doing so on my debit card overseas either - I dont spend much money overseas (as oppossed to pre paid inclusive trips) and I organise cash before I leave Australia (yes I know that has a cost too) and use a card for some purchases..