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To give you an example, retail rates for aud to usd are usually in the region of $0.030 margin. The rates I get for my business are around $0.010 margin, so you're paying 30 times the margin. Obviously you will be paying higher retail in hkd than 10 points but significantly less than what...

Unfortunately I believe the 28 degrees card is no longer fee free but I could be wrong

I use a combo of cash and my amex when travelling, especially in Asia as amex is widely accepted. My issue with this travel card is you're likely paying aussie retail forex rates which have ludicrous margins, on say 10k you're throwing $500 in the bin.

I wouldn't bother. Take a decent sum of hkd out of atm at airport and then exchange your aud at the local money changers there. Banks here are a ripoff and I don't see the point of travel cards