Correct but no Westpac fee free cards.so 1000FJD costs you 30 FJD, compared to say an NAB/ HSBC fee-free international card where Westpac would levy a direct 15 FJD card.
Basically it's more an exercise in minimising fees rather than outright avoiding them.
Also seemingly hotel ATMs often run out of cash, forcing you to use credit cards.
