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Currency in Australia and New Zealand

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I will be in Australia and New Zealand in September on a monthlong tour. I am planning on taking US dollars and two credit cards. One credit card will be used for most of my purchases. The second one is only if one card is lost or stolen. I am wondering if I should get some local currency for both countries before I leave the states. Or will they accept american money wherever we go. I plan to charge major expenses and purchases to the credit card. It does not charge the 3% foreign tax fee.

I am thinking of places that are not big cities-more rural-country like that may not accept foreign money. Some of the meals are included in the tour but there will be some that I am responsible for. Most other purchases will be for some admissions, excursions, or merchandise that I purchase. I will probably put these on the credit card. I would guess local money would be used for public transportation and taxis or the local markets.

Any suggestions or advice would be helpful.
Thank you,

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