Surf Beach is patrolled by lifeguards during peak seasons and weekends, making it generally safe for swimming when flags are present. The beach has moderate surf conditions suitable for families and beginner surfers. Always swim between the red and yellow flags and check conditions before entering the water. Rock pools at either end provide calmer alternatives for children. During unpatrolled times or rough conditions, exercise extra caution. The beach has won awards for water quality, and facilities include showers and change rooms near the surf club.

Surf Beach is enjoyable year-round, with each season offering different experiences. Summer (December-February) brings warm water temperatures of 21-23°C and full lifeguard patrols, ideal for families. Autumn and spring offer pleasant weather with fewer crowds and comfortable temperatures for beach walks. Winter still sees visitors enjoying coastal scenery and whale watching from nearby headlands. Weekday visits are generally quieter than weekends. Morning sessions typically offer calmer conditions for swimming, while afternoons can bring onshore breezes suitable for learning to surf.

Surf Beach has a large car park directly adjacent to the beach on Eterra Street, accommodating several hundred vehicles. Parking is metered and enforced daily, typically costing a few dollars per hour with all-day options available. Additional street parking exists along nearby residential streets like Bong Bong Street and Manning Street. During summer holidays and weekends, parking fills quickly by mid-morning, so arriving early is recommended. The beach is also within walking distance from Kiama town centre, approximately 10-15 minutes on foot.

Surf Beach has excellent dining options within walking distance. The Surf Beach Cafe overlooks the beach and serves breakfast, lunch, and coffee. Kiama's town centre, a short stroll away, offers numerous restaurants, cafes, pubs, and takeaway options ranging from fish and chips to fine dining. The beach has public toilets, showers, and picnic facilities with barbecues available. For accommodation, options range from beachfront holiday apartments to motels and the historic Grand Hotel nearby. Shops for beach supplies and groceries are located in the main shopping precinct.

While you cannot see the famous Kiama Blowhole directly from Surf Beach, it's only a 5-minute walk away along the coastal path heading south. The blowhole is one of Australia's most visited natural attractions, shooting seawater up to 25 metres high when conditions are right. Many visitors combine a day at Surf Beach with a visit to both the main blowhole and the smaller Little Blowhole. The scenic coastal walk connecting these attractions offers stunning ocean views and is suitable for all fitness levels, making it easy to experience both highlights.