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5 Things to Do Before Traveling Overseas With Your Credit Card

Erin El Issa

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Heading on an overseas excursion? Before you pack up your travel pillow, make sure your wallet is ready for the trip. Here are the five things you need to do before you take your plastic overseas.

1. Make sure your credit card has the right features for overseas travel.

Just because your credit card works fine in the States doesn’t mean it’s the best option for traveling abroad. There are several features you should look for in a credit card to take overseas, but two stand out — EMV capability and no foreign transaction fees.

An EMV chip is more secure than a traditional magstripe. That makes it an ideal option for traveling anywhere because travel opens you up to fraud. More importantly, EMV chips are the norm in many countries around the world. Issuers in the United States that don’t want to incur liability from credit card fraud have to implement EMV chips by October 2015, but many cards already have them. Here are some of our top picks for EMV chip-and-signature cards .

Foreign transaction fees are typically 3-4%, which can add up quickly if you’re making a lot of purchases internationally. Instead, choose a credit card without foreign transaction fees and save your money for more important things, like eating all the amazing food your destination has to offer.

» MORE: NerdWallet’s Best ‘EMV With Signature’ Credit Cards

2. Pack more than one credit card.

Having a card with an EMV chip and no foreign transaction fees is great, but you should always have a backup. Not sure that’s necessary? Well this Nerd received a call that her primary credit card was compromised minutes before boarding an international flight. Have a backup card in case your first card is lost or stolen, because it will be harder to get a replacement card sent to a possibly unknown foreign address in a timely manner.

3. Research where you’re going and which cards are accepted there.

Not all credit card networks are commonplace in every country. In general, Visa and MasterCard are usually safe bets, but Discover and American Express credit cards may or may not be accepted. Check out this article on credit card acceptance around the world .

» MORE: 7 Ways your credit card could save you money on holiday travel

4. Contact your issuers about the trip.

Credit card issuers watch out for transactions that seem fraudulent, so tell them you’re leaving the country. Otherwise, an adult beverage purchase made in Spain will likely be flagged as fraudulent, which could result in your current card being canceled. To keep this from happening, inform your issuers about where you’re going and when you’ll be there. Some issuers allow you to do this online, but you may have to call and speak to a customer service representative.

5. Bring cash.

Yes, even the credit-card-loving Nerds carry some cash when traveling. It shouldn’t be your primary payment method — and you should only use it when credit cards aren’t accepted — but it’s useful to have just in case. Keep cash carrying to a minimum and know where your bank’s closest ATM is in relation to your hotel to avoid paying ATM fees abroad.

While you can probably take a cash advance on your credit card, it’s not the best option. Between the cash advance fee and the higher APR, you’ll end up wasting money. Bring a reasonable amount of cash for the place you’re going and call it a day.

Bottom line: Before you head overseas, make sure you have a credit card with an EMV chip and no foreign transaction fees, a backup card and cash. Also check to see what credit card networks are prevalent in the area you’re traveling to and let your issuer(s) know you’re leaving the country. Whew, that’s it — have a great trip!

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

nab credit card for overseas travel

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NAB Credit Cards

Nab straightup card.

Updated 23 January 2024

With the NAB StraightUp Credit Card, you’ll pay no interest or late payment fees - just a simple monthly fee when you use the card. The card comes with no foreign currency fees on international purchases, online or overseas. No Use, No Pay.

Purchase Rate (p.a)

Annual fee (p.a), interest free period (up to), • the annual fee is charged in the first month. • you only pay the minimum monthly payment of your overall balance each month. • you do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • all other fees and charges that may apply are excluded. when there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0."> $ 0, my transfer amount, balance transfer from:, my annual fee, my interest rate, your savings • the annual fee is charged in the first month. • you only pay the minimum monthly payment of your overall balance each month. • you do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • all other fees and charges that may apply are excluded. when there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.">.

  • Pros & cons
  • Rates & fees
  • Eligibility

Pros and cons

  • No foreign currency fees on international purchases, online or overseas
  • No Use, No Pay. If you don't make any purchases and have an outstanding balance of $0 during the whole statement period we'll reverse your monthly fee.
  • Pay no interest or late payment fees – just a simple monthly fee.
  • Monthly fee of $10 – gives you access to a credit limit of up to $1,000
  • Monthly fee of $15 – gives you access to a credit limit of up to $2,000
  • Monthly fee of $20 – gives you access to a credit limit of up to $3,000
  • Predictable Payments. Your minimum payment is fixed based on your credit limit, giving you certainty of what to pay each month.
  • Fixed low credit limits

Creditcard.com.au review

Editor review, compare cards with the same features as nab straightup, the nab straightup credit card review.

Looking for a credit card that works a little bit differently to the rest? The NAB StraightUp Credit Card may be just what you’re looking for. Keeping things simple in terms of extras, this card charges no interest on purchases. Instead, it charges a monthly fee, with predictable payments depending on your credit limit and how much you spend. And if you don’t use the card? You don’t pay the monthly fee.

How It Works

As the NAB StraightUp Credit Card works in a different way to other credit cards, we’re going to change the way our review is set out, so that we can explain the ins and outs of this new offering from NAB. From there, we’ll get into who the card will work best for, and how to make it work for you.

First up, interest. Unlike other credit cards, the NAB StraightUp Credit Card does not charge interest when you carry a balance. The annual interest rate is 0%, which essentially means there will be no interest charged to your account ever.

Instead, this card works on a fee system. With no annual fee, the card charges a monthly fee, which varies according to your credit limit.

  • If you have a credit limit up to $1000, your monthly fee will be $10
  • If you have a credit limit up to $2,000, your monthly fee will be $15
  • If you have a credit limit up to $3,000, your monthly fee will be $20

What’s not so great...

So then, why might this card not suit you? As the name suggests, the NAB StraightUp Credit Card is indeed a straight-up credit card. That means no rewards, no fancy extras, no balance transfers. This card is for purchases only, and cannot be used for cash advance transactions, including gambling, foreign currency purchases or lottery tickets.

For some users, this may not suit the way they typically use their credit card. For others, however, the differences on offer may be entirely refreshing.

Why should you choose this card?

If you want to change the way you use your credit card – or you are new to credit cards and think this type of card would work well for you – the NAB StraightUp Credit Card may be a great fit. Not only is there no interest, there are no foreign currency fees or late payment fees, which could help to keep costs down over the long term.

Instead of paying interest, you will have predictable payments each month, with a monthly fee that is dependent on your credit limit. Want to lower your monthly fee? You have the option to lower your credit limit if that suits your spending style. The card also provides a no use, no pay policy, allowing you to keep costs to a minimum when you don’t use the card.

What we would say though is that before you start using the card – preferably before you even apply – you should read more about how it works in NAB’s easy-to-understand terms. This will ensure you fully understand how the card works, to then allow you to make it work for you as you use the card day to day.

Overall Rating

In this new offering, NAB aims to simplify the way in which users interact with their credit card, taking interest out of the equation, while creating predictable payments with a monthly fee system in place. As long as you understand how the card works – and you’re happy with a simple, no frills option – this card could be a game changer.

User reviews

Nab straightup card ( based on 5 creditcard.com.au user reviews ), 26% rating based on 5 reviews, customer service, 80% of users who have rated this card would recommend it, review the nab straightup card, rewards (not available for this card).

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Your review helps others make a better decision & builds the Creditcard.com.au community

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Personal Finance Expert - Creditcard.com.au

Its crazy that with a balance of only say 110 dollars, you have a fee of 20 dollars for just a month. This card is meant to compete with payday lenders and take advantage of the young and vulnerable, but then again. ALL credit cards in 2020 are a ripoff and a debit card is the ONLY way to go.

Great card if you need an afterpay substitute as the card has no interest fees and only a set minimum repayment charge per month Only thing to watch out for is the monthly fee...$20 per month is $240 per year if you use it every month. A plus is that if you don't use it you don't pay the fee for that month.

Rates and fees

Interest rates.

Purchase rate 0 % p.a.

Cash advance rate N/A

Interest free period on purchases N/A

Credit limits

Minimum credit limit $1,000

Maximum credit limit $3,000

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee N/A

Foreign transaction fee 0%

Minimum repayment 2% or $25 whichever is greater

Cash advance fee N/A

Late payment fee $0

Additional features

Complimentary insurance.

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Your minimum payment is fixed based on your credit limit, giving you the certainty of what to pay each month.

  • Put simply, if you have a $1,000 credit limit you’ll need to pay at least $35 towards any balance owing by the due date each month ($10 monthly fee is included in your balance)
  • If you have a $2,000 credit limit you’ll need to pay at least $75 towards any balance owing by the due date each month ($15 monthly fee is included in your balance)
  • If you have a $3,000 credit limit you’ll need to pay at least $110 towards any balance owing by the due date each month ($20 monthly fee is included in your balance)

Key features

  • Monthly fee of $10 - gives you access to a credit limit of up to $1,000
  • Monthly fee of $15 - gives you access to a credit limit of up to $2,000
  • Monthly fee of $20 - gives you access to a credit limit of up to $3,000
  • Your minimum payment is fixed based on your credit limit, giving you certainty of what to pay each month.

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Resident or citizen of Australia. Temporary residents are eligible.

You have your personal details ready to complete the online application

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

35 questions (showing the latest 10 Q&As)

Navin sawkar, susan farbenblum, [email protected], lynda pinder.

• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

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My transfer amount $5000

My interest rate 19.49%, my annual fee $50.

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  • Copyright 2005-2021 CreditCard.com.au Pty Ltd
  • ABN: 76 646 638 146
  • ACR: 528318
  • AFCA: 80717

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  • No annual fee
  • No foreign transaction fee
  • Overseas travel insuarance
  • Uncapped points earn

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NAB

NAB Credit Cards

Compare nab credit cards with balance transfer offers, rewards, low-cost features – and even a no interest option..

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In this guide

Comparison of NAB Credit Cards

Types of credit cards from nab, benefits of getting a nab credit card, eligibility criteria, frequently asked questions about nab credit cards, important links and details.

NAB is one of Australia's Big Four banks and offers credit cards to suit pretty much every purpose. This includes cards with balance transfer offers, reward or frequent flyer points, low rates, low fees and business credit cards. In 2022, NAB acquired the Citi consumer business in Australia and is now the issue of several brands including Coles, Qantas Money, Suncorp Bank and Kogan Money.

NAB Credit Card Offer

Credit Card Image

NAB Low Rate Credit Card

0% p.a. for 28 months on balance transfers $0 annual fee for the first year.

Eligibility criteria, terms and conditions, fees and charges apply

Save on card costs with a 0% balance transfer offer and no annual fee in the first year.

  • 0% p.a. on balance transfers for the first 28 months, with a 2% BT fee
  • $0 annual fee for the first year (reverts to $59 p.a. thereafter)
  • Purchase rate: 13.49% p.a. | Minimum credit limit: $1,000
  • Request for an additional credit card at no extra cost

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

NAB balance transfer credit card offers

NAB balance transfer credit card offers give you an introductory low or 0% interest rate when you move debt from up to 5 Australian credit cards or store cards that are not issued by NAB.

At the end of the introductory period, any unpaid balance transfer amount will be charged at the card's variable cash advance interest rate. As this is typically high, you'll get the most value from the balance transfer offer when you focus on paying off the balance before you use the card for anything else.

You can request a balance transfer when you apply for a new NAB credit card or at any time on an existing credit card. Just be aware the balance transfer details may be different depending on when you apply. Also take note of any one-time balance transfer fees, along with the other features of the card.

NAB no interest credit card

The NAB Straight Up Card has no interest rate – instead, it charges a flat monthly fee when you use it or carry a balance. The fee is based on your credit limit, with a cost of $10, $15 or $20 that can make it easier to keep track of account costs compared to interest (which can vary in costs). The monthly fee is also waived if you don't have a balance and don't use the card for a statement period.

The NAB StraightUp was the first no interest, flat fee card to be launched in Australia (in September 2020). Since then, 2 other Big Banks have also introduced no interest cards: CommBank and Westpac.

NAB low rate credit cards

The NAB Low Rate Card offers a 13.49% p.a. variable interest rate for purchases, which is much lower than the average standard credit card interest rate in Australia of 20.07% p.a. So this low rate can help keep your interest charges down, although it's still worth looking at the other features and comparing it to other cards.

NAB low fee credit cards

NAB low fee credit cards can help you save on account costs by offering competitive annual fees. The NAB Low Fee Card has all the essential credit card features and the NAB Low Fee Platinum Card comes with complimentary insurance options (including for international travel) as well as a concierge service.

NAB Rewards credit cards

NAB Rewards credit cards offer you points per $1 on all your eligible spending – including groceries, petrol, dining and travel bookings. You can redeem your points for rewards including travel, frequent flyer point transfers (including Velocity Frequent Flyer), gift cards and retail items.

NAB frequent flyer credit cards

NAB Qantas Rewards cards give you a way to earn Qantas Points on your everyday credit card spending, with 1 additional point per $1 on selected spending with Qantas. These cards also offer complimentary Qantas Frequent Flyer membership, which could save you $99.50 on the usual joining fee.

NAB business credit cards

NAB offers a wide range of business credit cards with features including rewards and frequent flyer points, low rates and additional cards for employees. NAB business credit cards also help you keep personal and business expenses separate if you're a business owner (including sole traders), with detailed statements and option of setting individual limits for additional cards linked to the account. NAB also offers cards for larger corporate accounts.

Each NAB credit card has different features, but here are some of the key benefits you can get:

Mobile payments

NAB credit cards can be used with Apple Pay , Samsung Pay, Google Pay , Fitbit Pay and Garmin Pay.

NAB credit card complimentary insurance

Some NAB rewards and premium credit cards come with a range of complimentary insurance options for travel and purchases. For details of the insurance available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).

Internet and mobile banking

NAB Internet banking and the mobile app both give you ways to manage your account, make payments to other accounts in Australia and overseas, request a credit limit increase or apply for another NAB product at any time. You can also temporarily block your NAB credit card.

Fraud protection

NAB Defence is a service that helps keep your account safe by detecting suspicious activity. You also get protection with a zero liability policy for fraudulent transactions, which means you'll be refunded if your card is ever used for fraud.

Annual fee waiver – NAB home loan package

If you get a NAB Choice Package home loan, you can get the annual fee waived on a credit card of your choosing. As there are other fees and costs to getting a mortgage, you should learn more about NAB home loans and packages to decide if this will work for you.

When you want to apply for a NAB credit card, there are a few eligibility boxes you'll need to tick first.

Each NAB card has slightly different details, but include the following:

  • Age. You must be at least 18 years old to apply for a NAB credit card.
  • Australian residency status. You can apply for a NAB credit card if you're an Australian or New Zealand citizen, permanent resident of Australia or hold an acceptable temporary residency visa. Note that the following Australian temporary visas are not acceptable: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.

How long does it take to apply?

It takes around 15 minutes to apply for a NAB credit card online and you'll get an initial response within 60 seconds of submitting your completed application form. NAB will then be in touch with further details and next steps.

Information and documents you need to apply

NAB credit card applications are made up of a mix of general details and information about your financial situation. This includes:

  • Personal information. Your full name, date of birth, contact details, address and details about your current living situation. If you're a new NAB customer, you need to provide one of the following forms of identification: Australian driver's licence, Medicare card, Australian passport or international passport.
  • Financial information. Your income and assets, such as savings, shares or property. You also need to include details of existing cards, loans or other liabilities, plus your share of regular household expenses such as groceries, petrol, rent or mortgage repayments.
  • Employment details. Your last 3 years of employment history. You may also be asked to provide supporting documents such as your most recent payslips, bank statements or Australian Taxation Office tax assessment notice.

Have a question about NAB credit card applications? Call NAB on 13 22 65 to talk about your situation.

Card details

Depending on which NAB card you're applying for, you could be asked about the following details as part of the application:

  • Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that NAB will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
  • Balance transfer information. If you want to transfer a balance to a NAB credit card, you'll need to provide details of the debt that you want to transfer, including the account name, number and financial institution's BSB.

What happens after you apply?

NAB will give you an application reference number. You'll also get details about providing more supporting documentation (if that's needed), or next steps.

How do I transfer a balance to a NAB credit card?

If you want to repay an existing balance, you could take advantage of a promotional low or 0% balance transfer offer with a NAB credit card. This allows you to consolidate your debt and pay it down without the burden of interest for a promotional interest.

To get a promotional balance transfer interest rate, you must request the balance transfer at the time of your application for an eligible NAB credit card. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.

How can I pay off my NAB credit card?

When you get your NAB credit card statement, you can choose from any of the payment options listed on the statement. This includes BPAY payments through a bank account, payments through the NAB app, and phone or Internet banking if you want to pay from a NAB transaction account. Here are details for each option.

BPAY lets you pay your NAB credit card from any eligible Australian bank account. You'll need the NAB BPAY biller code 1008 and your credit card number for the customer reference number to complete the payment.

Then, log in to your transaction account, select BPAY and enter these details, along with the amount you would like to pay off the card. Just keep in mind you should allow up to 2 business days for the payment to go through.

NAB Internet Banking or mobile app

If you're making a payment from another NAB account, log in to your NAB account online or via the NAB App, select the card and follow the prompts to make a payment.

NAB Telephone Banking

You can pay your bill over the phone 24/7 by calling NAB on 13 22 65 and following the prompts to make a payment.

Direct debit

You can set up a direct debit from a NAB account using Internet banking or the NAB app. If you want to set up direct debits from another bank account, you can download and fill out a Direct Debit Request form from the NAB website.

Note you'll need to provide the account number and BSB of the bank account you'd like the payment to come out of each month, as well as choosing whether the direct debit will be for the minimum amount, full amount or a fixed dollar amount.

You can pay off your credit card in person at a NAB branch. You'll need your credit card statement and/or account details, as well as cash for the payment or details of the NAB bank account you want to pay from.

By cheque and post

Your NAB credit card statement includes instructions on how to post your payment via bank cheque.

At Australia Post

You can repay your NAB credit card at an Australia Post outlet that offers the Bank@Post service. You'll need your credit card and PIN to complete the repayment.

How do I set up Internet banking with my NAB credit card?

To set up Internet banking, you will need the following information on hand:

  • Your NAB identification number, found on the back of your NAB credit card
  • One of the following: Your mobile phone number (if you've provided it or registered for SMS security); your NAB Telephone Banking password; or a temporary password that was issued at a branch. If you can’t recall what your temporary password is, call NAB on 13 22 65.

Once you have these details, head to the NAB website and click on the "Register" button. Enter your details and create a secure Internet banking password. From here, you can activate a range of services that allow you to pay different accounts with ease.

What happens if my NAB credit card is lost or stolen?

If your card has been lost, stolen or damaged, you can immediately block it and request a replacement through your NAB Internet bank account or the NAB mobile app. You can also use these services to temporarily lock your NAB credit card while you try to find it or request a replacement for a damaged card.

To find these options, simply log in to your account online or via the mobile app, go to the "My cards" section and click on "Manage my cards". You can then choose between the options above.

Alternatively, you can call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, 7am - 6pm Sat or 9am-6pm Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. If you’re overseas, you can call +61 3 8641 9121 instead.

My NAB credit card is about to expire, how do I get a new one?

Your credit card expires on the last day of the month shown on the front of your card. For example, if your card lists an expiry as 11/22, it would expire on 30 November 2022. NAB will automatically send you a replacement card about two weeks before the expiry date that's listed on your card.

If your card has expired and you haven’t received a replacement card, call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, 7am - 6pm Sat or 9am-6pm Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. Alternatively, you can visit a NAB bank branch.

How do I increase or decrease the credit limit on my NAB credit card?

If you want to increase or decrease your credit card limit, call NAB on 13 22 65 from 8am to 7pm Monday-Friday, 7am - 6pm Saturday or 9am to 6pm Sunday (AEST). If you're overseas call, +61 3 8641 9083 during these hours. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information. Note that credit limit increases are subject to criteria and approval.

What’s a NAB identification number?

The NAB Identification Number (NIN) is a unique identifier that is issued to all NAB customers. You can find your NIN at the back of your card, near the top, it is an 8-digit number. If you would like to confirm or reset your NIN, you may call customer service on 13 22 65.

What’s a security number?

Every card comes with a 3-digit security number (or CVV number) that is used for certain transactions to verify the ownership of the card. You can find your security number at the back of your NAB card, right beside the signature field. You can find out how your CVV number works in this guide .

How can I cancel a NAB credit card?

You can permanently close a credit card account with NAB by calling 13 22 65 or +61 3 8641 9083 if you're overseas. You can also cancel your credit card by sending NAB a secure message via Internet Banking. Before closing your account, make sure all outstanding balances are paid off.

If your card has been lost, stolen or if you see suspicious transactions on your account, you can temporarily block it instead of cancelling it by calling 1800 033 103 in Australia or +61 3 8641 9121 from overseas. You can also do this at any time through the NAB Mobile Banking app or NAB Internet Banking.

  • NAB customer service: 13 22 65
  • NAB personal loans
  • NAB home loans

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

nab credit card for overseas travel

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

Read more on this topic

This offer on the NAB Low Rate Card gives you a way to get up to $300 cashback as a new cardholder. Is it right for you?

A premium frequent flyer credit card offering up to 120,000 bonus Qantas Points, a reduced first-year annual fee and complimentary insurance covers.

Offers up to 160,000 bonus points, premium perks and a reduced first-year annual fee.

With up to 100,000 bonus NAB Rewards Points, a reduced first-year annual fee and perks, is this NAB card right for you?

The NAB Business Card offers additional cardholders with individual credit limits, up to 35 interest-free days on business purchases and liability insurance.

Get a card facility you can tailor to your company’s needs, with multiple cards, expense tracking tools and the option of a custom design.

The NAB Low Rate Business credit card offers cards for employees and low-cost features, including 0% p.a. on purchases for the first 12 months.

You'll get a complimentary Qantas Frequent Flyer membership, Qantas Points for your everyday purchases and 5 complimentary insurance covers with the NAB Qantas Rewards Premium Card.

The NAB Low Rate credit card offers cost-saving features, including a 0% balance transfer for 28 months and $0 annual fee for the first year.

The NAB Low Fee Card offers up to 44 interest-free days on purchases, a competitive annual fee and a low minimum credit limit.

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Hi need advice please , I’m on a regular Centrelink payment.im a long-term customer also.looking for what I can apply successfully for .so the straight up card is great .but is it the best option.id use the card at like food supermarkets and say bigw or Kmart ..and cash out.. looking for no annual fees and very low interest rates if any

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We’re not licenced to give personal advice. Generally, this card may be a good option if you want the flexibility to purchase without feeling pressure to pay off the full balance each month, and you can afford the monthly fee of $10 to $20 (charged instead of interest).

With a limit of $1000, you’ll pay $10 per month or $120 over a year, if you don’t pay it off in full each month.

By contrast, on a card that charges 22% interest with an average ongoing balance of $1000, you’d pay around $220 over a year in interest (plus any annual card fees).

If you think you can pay off the full balance each month, you might be better off with a card with no or low-annual fee .

Hope this added context helps!

What is the difference between a platinum and black credit card

Avatar

Hi Robert, In general terms, a black credit card is considered to be more premium than a platinum card but each bank or provider has its own credit card branding. For example, the NAB Rewards Signature is a level up from the NAB Rewards Platinum (even though it is not officially called a “black card” by NAB). Finder’s guide to Gold, Platinum and Black Credit Cards has more details on differences across the market in Australia. I hope this helps.

I have been a member of diners club since 1979, diners have advised me that it is closing all cards as at jan 24 i have been told that the NAB has purchased them and my card will be cancelled i wish to apply for a new card using my payment history with diners as a refernce have never missed a payment in 44yrs allways paid statement at end of each month will the NAB take my card on as i am a pensioner and also require an addittional card

Yes, unfortunately Diners Club is leaving Australia next year. According to the information on the Diners Club website, your account won’t be transferred to another account once the change happens.

So if you wanted to get a card with NAB, you would need to meet the eligibility requirements and apply for that card. You could provide your Diners Club payment history as supporting documentation, but would also need to provide other requested information, including income, assets, debts and regular expenses. Most credit cards allow an additional cardholder, and you can check these details on Finder’s card review pages or the bank’s website.

If you want to check what’s required to apply for a NAB credit card, you can view details in this guide or call NAB on 13 22 65. If you have questions about your existing account, you may want to call Diners Club on 1300 360 060. I hope this helps.

What is the fee for the additional card holder for NAb Rewards Signature credit? Thank you.

You can add an additional cardholder for no cost. They must be 16 years of age or older and all transactions using the additional card will be the responsibility of the primary cardholder.

Hope this helps!

Is there somewhere I can find previous credit card offers? I applied for a credit card in April 2023 and the offer has since expired, now the bank will not honour the interest free offer.

Thanks for getting in contact, there are a few ways to check previous offers. If you applied through Finder, please let us know which card you applied for and the date of the application by replying to this comment or emailing [email protected] so we can investigate it. If you received communication by email or post after you applied, there may be information on any introductory offers that were available at the time. Alternatively, you could try viewing website archives with the Wayback Machine . I hope that helps.

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Travel money cards with the lowest fees

We look at seven travel money cards from the big banks and airlines..

travel money card next to model plane

Prepaid travel money cards are offered by major banks, airlines and foreign exchange retailers like Travelex. Before travelling overseas, you load money into the card account, which locks in the exchange rate for foreign currencies at that time. 

You can then use the card for purchases and cash withdrawals just like a debit or credit card, usually wherever Visa and Mastercard are accepted. 

You can reload money on-the-go via an app or website, and if the card is lost or stolen, it can be replaced (usually at no cost to you).

Prepaid travel money cards also give you assurance that you're not handing the details of your everyday banking account to merchants you're not familiar with, and they provide easy access to cash when you want some, says Peter Marshall, head of research at money comparison website Mozo .

CHOICE tip: Travel money cards are best for longer trips. They're usually not worth your while if you're only taking a short trip, as some have closure, cash out and inactivity fees.

Travel money card fees

A major difference between prepaid travel cards and debit or credit cards is their fees. Some costs aren't immediately apparent, such as hefty margins built into the exchange rates.

And although fees have come down since we looked at these cards two years ago, you still need to watch out for:

  • fees to load the card – either a percentage of the total or a flat fee
  • ATM withdrawal fees
  • a cross currency fee or margin when you use the card in a currency you haven't preloaded
  • further fees if you close the account or haven't used the card for a period of time.

Travel money card with the lowest fees and best exchange rate

Westpac worldwide wallet.

Westpac closed its Global Currency Card in July 2021 and offers its new card in partnership with Mastercard.  It's also available from Bank of Melbourne and BankSA.

Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, ZAR.

Key features:

  • No loading, reloading, closing or inactivity fees.
  • Free to use it in network ATMs in Australia and partner ATMs overseas in a range of countries including the UK, US and New Zealand.
  • A charge applies at non-Westpac and non-partner ATMs in Australia and overseas.
  • Best exchange rates for the US dollar, the Euro and GBP in our comparison.*
  • The only card that lets you preload the South African rand.

Other travel money cards

Next to the Westpac Worldwide Wallet, there are six other travel money cards available.

Australia Post Travel Platinum Mastercard

Available online or at post offices.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED.

  • Fee to reload the card via BPay, debit card or instore, but free via online bank transfer.
  • Closure fee.
  • Fees for ATM withdrawals in Australia and overseas.

Cash Passport Platinum Mastercard

It's issued by Heritage Bank and is available online and from a number of smaller banks and credit unions (like Bendigo Bank and Bank of Queensland) as well as travel agents. 

  • Fee to reload with a debit card or instore, but free via BPay.

CommBank Travel Money Card

CommBank Travel Money Card (Visa)

As NAB and ANZ have closed their travel money cards, this is the only other travel money card available from a major bank. This card has the largest variety of currencies that can be preloaded.

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED, VND, CNY.

  • Fee if you make a purchase with currencies not preloaded.
  • Fee for withdrawals at overseas ATMs.

Qantas Travel Money Card

Qantas Travel Money Card (Mastercard)

The only travel money card offering from an airline. It can be added as a feature to your Qantas Frequent Flyer card, so you don't need a dedicated card, and you can earn points using it.

  • Free to reload via bank transfer or BPay, but there's a reload fee if using debit card.

Travelex Money Card

Travelex Money Card (Mastercard)

Travelex is an international foreign exchange retailer. In Australia, it operates more than 140 stores at major airports and shopping centres, across CBDs and in the suburbs. It was the card with the best exchange rate for New Zealand dollars.*

Currencies : AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD.

Fees : 

  • Load fee instore, but free via Travelex website or app.
  • Reload fee instore or via BPay, but free via Travelex website or app.
  • Closure fee and monthly inactivity fee (if not used for 12 months).

Travel Money Oz Currency Pass

Travel Money Oz Currency Pass (Mastercard)

The Travel Money Group is owned by Flight Centre and is a foreign exchange retailer. 

  • Reloading the card via an online bank transfer or instore is free, but there's a fee if you reload via BPay, debit card or credit card. 
  • Cash out (closure) fee. 

Travel money card tips

  • Make sure the card allows the currencies you'll need, and also consider stopovers. For example, the South African rand is only supported by the Westpac card.
  • Try to load your card with the right currencies and amounts on days with good exchange rates. 
  • Make sure you know how to reload your card if you run out of funds while overseas.
  • It may be more convenient to choose a card that has an app that can be linked to your bank account.
  • Avoid loading more money than you'll need as there may be fees and exchange rate margins to get the unused money back.
  • Remember to cancel the card once you're finished your trip, especially if it has inactivity fees.
  • Be mindful that you still may need a credit card, as travel money cards may not be accepted as security for hotels and car rental agencies. 

Stock images:  Getty, unless otherwise stated.

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Best Travel Cards for Australians Heading Overseas in 2024

We compare the best travel money cards including prepaid cards, debit cards and credit cards. Whether you want ease of access to money at any cost or no-frills or fees cash, find the best money solution when you travel overseas.

Wise - our pick for travel card

  • No annual fee, hidden transaction fees, no exchange rate markups
  • No minimum balance requirements
  • Allows you to make payments and withdrawals wherever you are in the world in over 40 currencies
  • Local bank account details in Australia (AUD), the UK (GBP), the USA (USD), Europe (EUR), Canada (CAD) and New Zealand (NZD)
  • Available in the US, UK, Europe, Australia, Singapore, Japan and New Zealand

Find out more about the Wise card .

Wise Australia Travel Debit Card

With this card:

  • It's very easy to set up and order
  • You can receive foreign currency into a multi-currency account linked to the card
  • Pay with your Wise card in most places overseas where debit cards are accepted
  • Get the mid-market rate for currency conversion

Go to Wise  or read our  review .

It's not all good news though

  • There is a 2% ATM withdrawal fee when you withdraw over $350 during a month
  • It takes 7-14 days for delivery

How do I pick the best travel card for me?

Fed up with ATM charges when you travel overseas? Or running out of money when you need it the most? You probably brought the wrong card with you.

It can be tricky to choose the best travel card to use when you travel overseas. The best one for you will really depend on what you need from the card you're using.

You will generally use travel cards to make purchases online, in-stores and to withdraw money at ATMs. All travel cards have these basic capabilities. This means what you should really compare between travel cards are the following:

nab credit card for overseas travel

Exchange Rates and Fees

Compare exchange rates and fees

nab credit card for overseas travel

Conditions and limits

Spending conditions and max/min limits

nab credit card for overseas travel

Make sure your money is secure

Best Travel Cards for Australians Travelling Overseas

Wise is our pick for travel debit card.

  • You can transfer money to a bank account overseas
  • Currency conversion using the mid-market exchange rate

Click here to see the full list of cards and how Wise compares

Read the full review

  • No annual fee, hidden transaction fees, exchange rate markups
  • Local bank account details in Australia (AUD), the UK (GBP), the USA (USD), Europe (EUR) and New Zealand (NZD)
  • It takes 7-14 business days to receive the card
  • Can't always access local technical support depending on where you are
  • Free cash withdrawals limited to under $350 every 30 days
  • Only currently available in the US, UK, Europe, Australia and New Zealand

Revolut - multi-currency travel card

  • No purchase fee, load fee, reload fee, exchange rate margin or minimum balance requirements
  • Unlike other Travel Cards, its free and easy to use the balance of your currency or convert it back to AUD
  • Mid-market exchange rate, they add a mark-up for currency conversion during weekends
  • For the free Standard account, there is a 2% ATM withdrawal fee when you withdraw over $350 during a month
  • The premium account costs $10.99 a month, which can really add up if you are not using it often

Click here to see the full list of cards and how Revolut compares

Revolut Australia Card

  • Very easy to use app
  • Free to set up
  • No hidden fees or exchange rate mark-ups (except on weekends)
  • You can use it to transfer money to a bank account overseas
  • Additional fees for using the card on a weekend
  • 2% ATM fee once you withdraw more than $350 in any 30 day period
  • 3-4 business days before you receive your card
  • Ongoing subscription fee for Premium and Metal cards

Citibank Saver Plus - bank travel card

The Citibank Plus Everyday Account - bank debit card. With this card you can:

  • withdraw money for free at over 3000 ATMs Australia-wide and overseas
  • take advantage of no foreign transaction fees, monthly fees, or minimum opening balance
  • transfer money to friends and family anywhere in the world for free

We think this is the ideal debit card whether you're staying local in Oz or travelling to destinations in Asia or Europe.

Citibank Saver Plus Card

  • No international ATM or transaction fees
  • Fee-free international money transfers to any account worldwide
  • SMS notifications through Citi Alert
  • Cash deposits available within 24-48 hours
  • Can't have two cards active at the same time
  • $5 account closure

28 Degrees Platinum Mastercard - travel credit card

nab credit card for overseas travel

28 Degrees Platinum Mastercard - travel credit card. With this card:

  • There are no annual fees
  • No overseas purchase fee or currency conversion fee
  • You get 55 days interest free on purchases
  • Access to free 24/7 concierge service
  • Emergency card replacement worldwide

The 28 Degrees Platinum Mastercard has additional benefits including shoppers and repayments benefits cover. For more information read our review .

  • Can have 9 additional cardholders
  • No overseas purchase fee, or currency conversion fee
  • No foreign transaction fee
  • Free Replacement Card
  • High interest rates after the initial 55 days
  • Minimum credit limit is $6000
  • No introductory offers or rewards

Learn more about the 28 Degrees Platinum Mastercard

Travelex money card - prepaid travel card.

nab credit card for overseas travel

Travelex Money Card - prepaid travel card. With this card:

  • There are no ATM fees so you can withdraw cash at no extra cost
  • You can access Travelex's online rates
  • You can lock in your initial loading cross currency rate
  • Ideal for the organised traveller.
  • Can load up to 10 currencies including AUD, USD, EUR, GBP, NZD, CAD, THB, SGB, HKD and JPY.
  • Smartphone App & Free Wifi Cross
  • $0 overseas ATM fees (Australia excluded)
  • 24/7 Global Support
  • Limited Currencies
  • 5.95% currency conversion rate
  • $100 minimum initial load
  • 2.95% Australian ATM withdrawal fee

Learn more about the Travelex Money Card

What are the other travel card options.

Check our travel card comparison table for a comprehensive list of fees and features for different travel debit and credit cards available for Australians travelling overseas.

*ATM operators will often charge their own fees.

** Up to 5 ATM fees and unlimited currency conversion costs may be rebated if you deposit $1,000 and make 5 purchases per month.

***Account fee waived if you meet eligibility criteria, including depositing $2,000 per month

What are the different types of travel card in Australia?

There are 3 popular travel cards you can take with you on your trip:

nab credit card for overseas travel

Prepaid Travel Card

nab credit card for overseas travel

Travel Debit Cards

nab credit card for overseas travel

Travel Credit Card

1. Prepaid Travel Card

For prepaid travel cards, you're able to load the card with a set amount of money in the currencies you need. Ideally you do this before your trip, but often you can reload them as well.

Most prepaid travel cards allow for multiple currencies to be loaded onto the card. So it's important to know what currency you'll be using on your travels. Airlines also offer prepaid cards so the money you spend can earn you reward points.

With prepaid travel cards you need to be careful, as they can have numerous fees and charges which can make it more expensive than other options. But if you're organised and travelling to multiple cities a prepaid travel card is a good option. Read more of how to find the best travel card with no foreign transaction fees .

If you need more flexibility or you don't want to pay the multiple fees associated with prepaid travel cards, the HSBC and Citibank global accounts are better options.

  • Exchange rate margins when you load your card
  • Exchange rate margins when you close the card
  • Flat or percentage-based fees to load the card
  • ATM withdrawal fees
  • Exchange rate conversion fee when you use the card
  • Reloading fees
  • Closing fees

Prepaid travel cards are best if:

  • You want to lock in a rate
  • You want to stick to a budget
  • You lose it/it's stolen

Prepaid travel cards are not great if:

  • You want the absolute best rates
  • You need to hire a car, make payments on a cruise ship, or pay for a hotel

2. Travel Debit Card

An international card or your bank card offers the convenience of a credit card, but work differently. They draw money directly from your bank's everyday transaction account when you make a purchase. It's designed for everyday money transactions and means that you're not accumulating debt.

A debit card could make you stick to your travel budget, because you can't overdraw money from your account. And for daily purchases, we think a debit card can help you stick to your travel budget, because you can't overdraw money from your account.

We recommend bringing both a debit card and credit card for safety, flexibility and convenience on your trip.

  • Currency conversion fee for overseas debit transactions
  • Flat fee or percentage-based ATM withdrawal fees
  • Foreign ATM owner fees
  • Flat fee or percentage fee for debit card purchases via EFTPOS

Debit cards are best for:

  • When you have time and you're happy to open a bank account to get one
  • Fee-free cash withdrawals from ATMs

Debit cards are not great if:

  • You switched from a better account to get one
  • Or if you want to switch, but pick a costly travel debit card instead

3. Travel Credit Card

Credit cards have obviously been around for a long time. But now there are specialised travel credit cards. Generally, these cards give you longer to pay back what you've spent but the interest rates after this time can be quite high.

The main advantage with credit cards are the reward points you get in return for your customer loyalty when you spend. But it only works if you pay off the balance in full each month.

Credit cards are great to use for car hire, restaurants and accommodation - larger expenses that are easier for you to pay back over time. Some services only take credit cards to hold purchases so they can definitely be handy while you're travelling.

  • Annual and reward scheme fees
  • Cash advance fees
  • Interest charges

Travel credit cards are best for:

  • Getting the best spending rates
  • If you have decent credit score and are legible for the credit card
  • Frequent flyer points to help you get discounted or free flights
  • Low or zero international transaction fees
  • Complimentary travel and/or medical insurance offered with a lot of cards

Travel credit cards are not great if:

  • Your credit score is poor
  • You won't repay in full every month
  • Can't afford high minimum credit and annual fees
  • Want additional card holders (usually an extra cost)
  • Your monthly salary minimum isn't high enough
  • For some travel credit cards you have to be a permanent Australian resident

Best travel money card tips

Before you decide which travel money card will best suit your needs, it’s worth comparing a few, bearing in mind these handy travel money card tips:

  • Exchange rate - check what rate is used to convert your dollars to the currency needed for spending in your destination. A card which uses the mid-market rate or as close as possible to it is usually the best value
  • Coverage - make sure your card covers the currency you’ll need in your destination, as fees may apply if it doesn’t. Picking a card which covers a large number of currencies can also mean you’re able to use your travel money card on future trips.
  • Safety - check the card’s safety features. Most cards are linked to an app which allows you to view transactions, check your balance and freeze or unfreeze your card if you need to
  • Fees - read through all the possible fees associated with your card before you sign up. Costs may include a foreign transaction fee when spending an unsupported currency, ATM fees, a cash out charge or inactivity fees if you don’t use your card often for example
  • Rewards - some travel money cards also offer some nice extras, like ways to earn rewards or discounts, or free wifi when you travel. Travel credit cards in particular have lots of rewards on offer, although you may have to pay an annual fee to get them

Travel card fees

The fees you pay for your travel money card will vary depending on the type of card you select, and the specific provider. 

Travel prepaid cards fees can include:

  • Fees when you get your card in the first place
  • Load or top up fees
  • An exchange rate margin when topping up foreign currencies
  • Foreign transaction fees if you spend a currency you don’t have in your account
  • ATM charges at home and abroad
  • Cash out, close or inactivity charges

Read more about prepaid cards here

Travel debit card can include:

  • Card delivery fee
  • International ATM fees
  • Currency conversion charges

Read more about travel debit cards here

International credit card fees can include:

  • Annual fees to hold the card
  • Cash advance fees if you use an ATM
  • Foreign transaction fees
  • Interest if you don’t repay your bill in full
  • Penalties if you don’t pay your bill on time

Read more about credit cards here

Conclusion - What is the best card to use while travelling?

There’s no single best travel money card - which works best for you will depend on your personal preferences and where you’re heading. 

Using a multi-currency debit card which supports a large range of currencies can keep your costs low and allow you to skip foreign transaction fees . Plus you’ll be able to use your card for online shopping in foreign currencies, or for your next trip abroad, with no ongoing fees to worry about.

Prepaid travel money cards are safe and easy to use , and you can often pick one up instantly if you’re in a hurry. You’ll be able to add travel money before you leave or top up as you travel, although it’s worth converting to the currency you need in advance, and looking for a card with mid-market exchange rates to avoid extra costs.

Generally using a credit card will come with the highest overall fees - but you’ll be able to spread out the costs of your travel over a few months if you need to, and you may also be able to earn rewards or cash back as you spend. Use this guide to compare different card types and options, and pick the perfect one for your needs.

Frequently Asked Questions - Best travel cards to use overseas

Which is the best travel card for use in australia.

The Citibank Plus Everyday Account is the best travel debit card for use in Australia. It works as a normal debit account, with no ATM fees at 3000 ATMs across Australia and has no account minimums.

Which travel card is best for Europe?

The best travel card for Europe is Wise . Not only do you get a great rate when spending in Euros, You get a set of bank account details with which you can recieve EUR transfers, as if you were a local.

Which high-street bank has the best travel card?

The best travel card from an Australian high-street bank is either the Citibank Plus Everyday Account or the CommBank travel money card . While Citibank's card offers more as a travel card (fee-free ATM withdrawals and excellent exchange rates), CommBank has far more in-person branches in Australia if you're someone who prefers doing your banking in person.

What is the best card to use while travelling?

There’s no single best travel money card - which is best for you will depend on your personal preferences. Usually having a few different ways to pay is a smart move, so packing a travel debit card or prepaid card, your credit card and some cash can mean you’re prepared for all eventualities.

Which bank travel card is best?

Australian banks offer travel credit cards, and some also have travel debit or prepaid card options which can be worth considering. Which is best for you will depend on the type of card you’d prefer, so comparing a few options from banks - and from specialist providers like Wise or Revolut - can help you find the best deal for your needs.

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nab credit card for overseas travel

10 credit card tips to help you avoid disaster when traveling abroad

Y our international flights are booked, your fancy hotels are reserved, and your itinerary is jammed with insomnia-inducing bucket list adventures. All that’s left to do is pack, yeah?

Actually, no. Before you leave home, doing some quick financial housekeeping is wise. If you don’t have a solid credit card strategy, you could pay hundreds of dollars in fees, forfeit easy savings on purchases you planned to make anyway, and even find that your card is nonfunctional at checkout. Here are ten ways to make traveling internationally with a credit card easy.

10 ways to make traveling internationally with a credit card easy

It’s worth exerting a bit of effort to abide by these tips before your trip to avoid a potential hassle during your vacation.

1. Choose a card designed for travel

If you’re planning an overseas trip, you should open a proper travel credit card . It’s not a gimmick—you can achieve a lot of value from the benefits of a credit card specifically constructed with travelers in mind.

For example, many non-travel credit cards will charge a fee when you make a purchase that is processed outside the U.S. During your international trip, you could pay up to 3% in foreign transaction fees for all spending . But most travel credit cards waive these fees.

Depending on how much you spend abroad, waived foreign transaction fees could amount to hundreds of dollars in savings.

2. Tell the card issuer your travel plans

“See if you need to put a travel notification on your account,” says Jen Ruiz, founder at Jen on a Jet Plane. “Many travel credit cards don’t require it but others may. Your debit card definitely will if you intend to withdraw cash.”

Taking this precaution can save you a lot of headaches. If you don’t keep your credit card issuers in the loop when you plan to travel, transactions could be declined as a fraud prevention measure when you try to use your card. Understandably, a charge on your card 7,000 miles from your home can raise a red flag with your issuer. 

Most major banks allow you to file a travel notice online. You can input the countries you plan to visit, allowing you to swipe your card along your travels worry-free.

Some credit cards will proactively note your travel plans if you use them to purchase your travel. For example, if you use your card to buy a plane ticket to Paris, you may get a message from your card issuer letting you know that your card has been approved for use in France.

3. Research applicable fees

Depending on your destination, you could be in for unexpected fees whenever you swipe your credit card. For example, when you swipe a credit card at checkout, the merchant accepting payment must cough up a “processing fee” to the credit card issuer. To the merchant, this fee is often well worth the convenience it brings for its patrons. But sometimes, the merchant will tack that fee onto your final bill.

It’s worth researching to see if the area you’re visiting is in the habit of putting the processing fee in your lap—and if so, you may decide to bring along some extra cash to save money.

4. Avoid dynamic currency conversion (DCC)

If you’ve ever been abroad, you may have been asked a strange question at checkout immediately after inserting your credit card into the point of sale: Would you like to pay in local currency or U.S. currency?

It’s understandable to want to view your payment in U.S. dollars—simply to better comprehend exactly how much you’re spending. But get this: If you choose to convert your bill into U.S. dollars, you’ll be subject to what is often an egregiously unfavorable exchange rate. This could result in an upcharge of more than 3%. You may even be charged additional fees for the conversion.

Also, realize that requesting a bill to be charged in your home currency doesn’t circumvent foreign transaction fees. You may still be liable for those on top of the exchange rate.

5. Bring a backup card

For a myriad of reasons, you should bring along more than one card on your international fling. For example:

  • You may lose your primary credit card.
  • The card’s payment network, such as American Express and Discover, may not be widely accepted where you’re going (we’ll discuss this more shortly).
  • Fraud or other complications may make your card temporarily useless.

To be extra precautious, Jen suggests to “[k]eep one credit card separate from the rest as a backup. Don’t keep all your cards and money in one place.” Your second card could be a debit card or a prepaid card—but we recommend grabbing another credit card, as it comes with benefits and protections such as $0 liability for unauthorized charges.

6. Set up a PIN (if applicable)

Ever heard of the term “chip and PIN” when referring to a credit card?

Nearly all credit cards nowadays tout an EMV chip. But surprisingly few credit cards in the U.S. are “chip and PIN,” which allow you to complete payment by entering a four-digit number at the point of sale. Instead, most U.S. credit cards are “chip and signature,” which only requires a quick scribble.

In a handful of scenarios, particularly around Europe, you’ll need a true chip and PIN credit card to complete your transaction. For example, an unattended kiosk may prompt you for your PIN after you insert your credit card into the reader. If you don’t have a PIN, you won’t be able to complete your transaction.

Having a chip and PIN card could be the difference between filling up your gas tank and finding yourself stranded without a viable payment method. It’s worth calling your credit card issuer to see if you can set up a PIN on the card you plan to take.

7. Find out how to get cash

We scream endlessly that the hefty fees and high APR of cash advances make them a bad deal . They should only be used in case of emergency. It’s better to plan ahead and take a debit card that will allow you to make withdrawals abroad.

But emergencies happen, and you may find yourself in a circumstance that warrants a cash advance from your credit card. You’ll need to enter a PIN to receive cash, so contact your credit card issuer if you don’t know the preset PIN. You should also have the option to select a personalized number.

8. Write down the customer service number for your card

In most cases, your credit card’s customer service number is on the back of your card. If it’s not there, be sure to jot it down and keep it in a safe place just in case something goes awry with your payment method.

Additionally, if you’ve got a fancy card that comes with an increased level of customer service, note the number that directly connects you with your white glove hotline. For example, The Platinum Card® from American Express offers a dedicated concierge service with a number different from Amex’s regular customer service number.

It’s easy enough to find these details by navigating the automated phone labyrinth or simply googling, but it doesn’t hurt to have it immediately available.

9. Check your card benefits for travel perks

Travel credit cards can do more than just waive foreign transaction fees and extract cash from ATMs; they can revolutionize the quality of your travel. Depending on the credit card you’ve got, you could benefit from:

  • Airport lounge access. There are multiple lounge networks comprising thousands of lounges worldwide, many offering free food and alcohol. With the right credit card, you can access most of these lounges for free as often as you want (with an active boarding pass).
  • Trusted traveler programs. Many credit cards provide credit toward the TSA PreCheck or Global Entry application fees. Membership to either of these programs means you (usually) won’t have to remove your shoes and belt at airport security.
  • Travel insurance. When you use your qualifying travel rewards credit card to reserve your travel, you’ll receive travel insurance benefits like trip delay protection, travel accident insurance, primary rental car insurance, and more.
  • Elite status perks. Many credit cards confer elite status benefits for specific airline and hotel brands. Holding one such card may be enough to influence which hotel brands you stay with—or which airlines you fly.
  • Statement credits. The top travel credit cards offer annual credits to offset common travel purchases, such as airfare, hotel stays, rental cars, and baggage fees.

10. Choose a widely accepted payment network

A payment network is a platform that credit card issuers use to process your credit card transactions. Common payment networks in the U.S. include Visa, Mastercard, American Express, and Discover.

Outside the U.S., however, don’t be so confident that your payment network will be as ubiquitous. Visa and Mastercard tend to have virtually universal acceptance. American Express and Discover are a different story—though they are still accepted in many countries.

Top credit cards for international travel

If you’re looking for the best travel credit cards to complement your globetrotting lifestyle, you’ve got a slew of high-powered options to choose from. You need to ask yourself one question as you decide: Do the travel benefits outweigh the annual fee?

For example, the Chase Sapphire Preferred ® Card charges a $95 annual fee. Beyond waived foreign transaction fees, the card’s main draw is its travel coverages. The card’s trip delay insurance, baggage delay insurance, and primary rental car insurance alone can save you many hundreds of dollars during your trip. But if you don’t value trip delay insurance, the card isn’t worth it for you.

The Capital One Venture X Rewards Credit Card charges a $395 annual fee. But it comes with up to $300 back annually for bookings made through Capital One Travel l and 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. That’s an easy $400 in free travel each year, which more than offsets the card’s annual fee.

In other words, this card is an easy win if you regularly spend at least $400 on travel each year. You can then enjoy the card’s complimentary access to 1,500+ lounges through Priority Pass, elite travel insurance, and application reimbursement for TSA PreCheck or Global Entry without the guilt of an imposing annual fee weighing on your conscience.

The takeaway

There are quite a number of credit card-related details to consider before your international trip. Taking a few precautionary measures, such as opening a travel-centric credit card, setting a PIN, and bringing along more than one card can go a long way toward making your trip a smooth one.

Please note that card details are accurate as of the publish date but are subject to change at any time at the issuer’s discretion. Before applying, please contact the card issuer to verify rates, fees, and benefits.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

This story was originally featured on Fortune.com

If you're planning a trip overseas, there are a few steps you should take to ensure your credit cards function as they should.

  • Australia & New Zealand Cruisers

Travel insurance NAB credit card vs annual multi trip

By subaru94 , August 16, 2022 in Australia & New Zealand Cruisers

Recommended Posts

Cool Cruiser

Hi, I'm 65 husband 73, both healthy, getting quotes for cruising as have 5 cruises over the coming months.  I am tempted to get a NAB premium debit card, however, can't seem to get a clear answer if it covers cruising.  The debit card would cost $10 per month, which I think is pretty good comparing to the cost of travel insurance the cheapest I have been quoted is $1574 for the year through World2Cover.  Any feedback would be greatly appreciated.

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17 minutes ago, subaru94 said: Hi, I'm 65 husband 73, both healthy, getting quotes for cruising as have 5 cruises over the coming months.  I am tempted to get a NAB premium debit card, however, can't seem to get a clear answer if it covers cruising.  The debit card would cost $10 per month, which I think is pretty good comparing to the cost of travel insurance the cheapest I have been quoted is $1574 for the year through World2Cover.  Any feedback would be greatly appreciated.

Hi subaru94

I would assume that it would be similar to my Com Bank credit card, in that cruise cover is excluded but offered as an extra, cost is linked to the cruise places visited and length of cruise.

Check out their disclosure statement, it would be included in their exclusions.

Aus Traveller

Aus Traveller

I researched complimentary Credit Card insurance a few months ago and put a spreadsheet in this section of the forum. I did not check debit cards and I don't know if it would give you the coverage you need. From reading the pds for the NAB credit card on line, I am pretty sure it covers cruising, but I don't know about the debit card. You can easily check it out on line.

Like

Thank you for your feedback,  after waiting for nearly an hour on phone got through to the underwriters, who said yes cruising both Australia and overseas  was covered as was covid 19 if you were to test positive the day before and had to change flights, only thing is $300 excess required.  So I think we will probably go through the NAB debit card.

cheznandy

Hey Subaru94,

Have a look at the definition of overseas in the PDF booklet

"overseas means outside of Australia and its territories other than when you are aboard a foreign registered cruise vessel in Australian territorial waters."

I would take that to mean yes!!

ANZ has similar wording..."outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters."

Both are underwritten by Allianz.

The NAB has different coverage for under 76 with unlimited Medical and no cover for 76 - 91, so you would be fine in regards to your ages.

I did notice that NAB has unlimited cancellation which ANZ is only $20000.

Will look into NAB as ANZ has taken away our Breakfree investment package and its "perks" which included our ANZ Qantas black card, so will have to pay $400 year to keep it!!

Relaxing Rita

I am very interested in this topic.... really look forward to any other information about NAB credit card complimentary travel insurance!!

3 minutes ago, Relaxing Rita said: I am very interested in this topic.... really look forward to any other information about NAB credit card complimentary travel insurance!!

The only info I have to hand is that the NAB complimentary travel insurance is available on several different types of credit cards that have differing annual fees ($30, $90, $250, $295). You must spend $500 of the travel cost of the card and claims have an excess of $300. The insurance only covers people up to 76 years of age.

For full details I suggest you read the pds that is available on the NAB website.

MicCanberra

MicCanberra

My credit card only covers international travel, which excludes domestic cruises, it also requires a minimal spend on aspects of the travel.

Elorac123

I use Westpac platinum for an annual fee and as a long term customer still only pay $100 a year and this card which also comes with rewards.

As of Last month they have included Covid cover “yeah” covers up to 80 must spend $500 pp and has a $300 excess.

Cheers Carole 

6 hours ago, Aus Traveller said: I researched complimentary Credit Card insurance a few months ago and put a spreadsheet in this section of the forum. I did not check debit cards and I don't know if it would give you the coverage you need. From reading the pds for the NAB credit card on line, I am pretty sure it covers cruising, but I don't know about the debit card. You can easily check it out on line.    

I'm getting really confused now, I thought I had it down what Credit Card Insurance covered, now not so sure, I had been told by the bank the basic free insurance did not cover cruises, that you had to purchase an option for cruising.

Just down loaded their latest product discloser.

Just been through it several times, until my eyes started swirling.

As far as I can see, cruising international or domestic is  covered in the standard free cover. It instructs "For a domestic cruise, not part of an international journey, please choose ‘Pacific’ as your destination during activation" . Well there you go.

There is no exclusions anywhere for cruising its self, however there are some cruise extras that require inclusion, " Cabin Confinement; Prepaid Shore Excursion Cancellation; Formal Wear Damaged, Lost or Stolen; Delayed Formal Wear; Marine Rescue Diversion" . Oh by the way I'm referring to Com Bank Credit Card Insur.

I'm still trying to make sense of their Covid clauses.

Evon I have tried to find your spreadsheet, but can't seem to get the right search words to locate it, do you have any hints to locate it?

Here it is again. It looks small on the screen but it can be enlarged. Different banks have their own T&C.

Credit Card Travel Insurance.JPG

7 hours ago, subaru94 said: The debit card would cost $10 per month,

Why a debit card? why not just get a Credit Card that has included insurance, most banks do them, ANZ Rewards Platinum for example or a Westpac Altitude Platinum, for about $99 a year card fee you get full travel insurance and also collect points for gift cards or you can convert them into frequent flyer points.

Most have offers of a fee free for first year and bonus points.

I got an ANZ card, no fee fo the first year and almost enough points for one way Virgin flights for both of us from Perth to Sydney when we cruise between the 2 citys next year.

20 minutes ago, Hammer61 said: Why a debit card? why not just get a Credit Card that has included insurance, most banks do them, ANZ Rewards Platinum for example or a Westpac Altitude Platinum, for about $99 a year card fee you get full travel insurance and also collect points for gift cards or you can convert them into frequent flyer points.
20 minutes ago, Hammer61 said: It can be somewhat difficult to apply for a Credit Card if you are retired and no longer earning a salary.   However,  a Debit Card (NAB Platinum Debitcard) will also have complimentary travel insurance which now includes Covid coverage.  It takes 5 minutes online to apply for this debit card.  However,  read the PDS as 76yrs and over are not covered for medical issues but you will be covered for all other travel insurance claims.   
1 hour ago, Aus Traveller said: Here it is again. It looks small on the screen but it can be enlarged. Different banks have their own T&C.

Thanks Evon.

Insurers are a bit sneaky, just found out the PDS Downloaded from the bank is different than the one issued by their insurer.

Redoing another long search through another 90 odd pages.  🤬

6 hours ago, MicCanberra said: My credit card only covers international travel, which excludes domestic cruises, it also requires a minimal spend on aspects of the travel.

Hi MicCanberra, I got told by a few travel insurance companies that domestic cruises are actually classified as international as soon as they leave the ports, not sure if this is something new or because of Covid.  I asked the underwriters for the NAB  platinum card and they said all cruises covered by credit card, even if you test positive to Covid the day before and have to change travel arrangements they are all covered to.

3 hours ago, Hammer61 said: Why a debit card? why not just get a Credit Card that has included insurance, most banks do them, ANZ Rewards Platinum for example or a Westpac Altitude Platinum, for about $99 a year card fee you get full travel insurance and also collect points for gift cards or you can convert them into frequent flyer points.   Most have offers of a fee free for first year and bonus points.   I got an ANZ card, no fee fo the first year and almost enough points for one way Virgin flights for both of us from Perth to Sydney when we cruise between the 2 citys next year.    

Don't think we would get approved for a Credit Card now as husband retired on a pension and I only work a few hours a week.  Low income?? Hence why I was looking at the NAB debit card that also includes travel insurance.  Will visit bank tomorrow to see what is possible.

2 hours ago, CCC's said:    

Yes when I spoke to the underwriters they said over 76 medical expenses not included,  that's o.k. for us as husband is 73 gives us a few years to use the card.

Thanks just noticed your updated comment. 

Great thanks Suburu94, I’m going to look into the NAB debit card. Since our ANZ credit card now has a limit of $20000 for cancellation. We are also retired, so not sure how easy it is to get a new credit card.

8 hours ago, subaru94 said: Hi MicCanberra, I got told by a few travel insurance companies that domestic cruises are actually classified as international as soon as they leave the ports, not sure if this is something new or because of Covid.  I asked the underwriters for the NAB  platinum card and they said all cruises covered by credit card, even if you test positive to Covid the day before and have to change travel arrangements they are all covered to.

It may have changed, we have had an annual policy for the last 5 or so years due to that and a few other reasons anyway.

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Travel points on credit cards, explained

PayPal Editorial Staff

March 14, 2024

Savvy shoppers can turn everyday spending into exciting adventures by harnessing the power of travel points on credit cards.

Travel points on credit cards are rewards earned for eligible purchases. When someone accumulates enough points, they can redeem them for travel-related expenses like flights, accommodations, or upgrades.

From earning to redeeming, discover the world of travel reward points in this guide.

How do travel points work?

Travel points on credit cards work by rewarding people for their spending. When someone uses their credit card for eligible purchases, they may earn a certain number of points or miles based on the card's rewards program. These points accumulate over time and can be redeemed for travel costs.

Some cards or reward programs also offer flexible redemption options, allowing individuals to transfer points to airline or hotel loyalty programs.

The more someone spends on their card, the more travel points they may accumulate. However, it’s important to practice responsible spending and not make purchases simply to earn more points.

While some credit cards may be specifically noted as travel credit cards or offered in tandem with airline companies, many rewards credit cards can still be used to earn points or cash back to spend on travel or lodging. There may also be rewards programs via cash back apps that offer earning potential for spending with certain travel-related companies or airlines. For example, PayPal users can view travel-related deals and rewards offerings in the Travel category on the PayPal app . Rewards earning and redemption options will vary depending on card provider and/or rewards program.

Potential pros and cons of travel points

Some benefits of travel points may be:

  • Free or discounted travel expenses:  Travel points may be redeemed for complimentary or discounted flights, hotel stays, and even upgrades, allowing for cost savings on travel expenses.
  • Travel perks:  Some travel rewards cards provide access to airline or hotel loyalty program benefits, such as priority boarding, lounge access, and room upgrades.
  • Flexible redemption:  Many programs offer flexible redemption options, including the ability to transfer points to partner airlines or hotels, providing more choices for travelers.

Before signing up for a travel rewards credit card, consider the possible risks of travel points:

  • Limited flexibility:  Some travel rewards programs may have restrictions or blackout dates. Points may also have expiration dates — if unused, someone may lose their rewards.
  • High annual fees:  Many premium travel rewards cards come with annual fees, which may offset the value of the rewards.
  • Increased spending:  To earn travel points, people must use their credit card, which can lead to debt if not managed responsibly.

How to earn travel points

To earn travel points, someone generally needs to use a travel rewards credit card on eligible purchases. Over time, they may accumulate enough points to enjoy a benefit like free or reduced airfare or a discounted hotel stay.

Beyond everyday spending, here are other ways to potentially earn travel points:

  • Sign-up bonuses:  Many travel rewards credit cards offer sign-up bonuses when opening a new account and meeting a spending requirement within a specified timeframe.
  • Frequent flyer and hotel loyalty programs:  When someone flies with a specific airline or stays at a particular hotel chain consistently, they may accumulate points or miles that can be redeemed for future travel.
  • Online shopping portals:  Some airlines and credit card companies have online shopping portals that offer bonus points for making purchases through their platforms.

Accumulating travel points requires responsible financial management, including paying off credit card balances in full each month to avoid interest charges . Additionally, check for any annual fees associated with travel rewards credit cards and ensure that the benefits outweigh the costs.

How to redeem travel points

Travel rewards credit cards may offer several redemption options, from flights or hotels to vacation packages or statement credits. When booking through a rewards portal, people typically have the option to pay with points or a combination of points and cash.

The redemption process may vary slightly depending on the specific travel rewards program or credit card. Always read the terms and conditions of the rewards program and credit card to understand any restrictions, blackout dates, and expiration policies associated with the points.

Learn how to redeem rewards .

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Bank of America® Travel Rewards Secured Credit Card: A secured card with rewards that can be used to cover travel purchases

Photo of Bank of America® Travel Rewards Secured Credit Card on a blue and green abstract background

Our take: The Bank of America® Travel Rewards Secured Credit Card offers a cost-effective approach to building credit and earning rewards with its lack of annual and foreign transaction fees. Use it to help you climb the rungs of the credit score ladder.

Bank of America® Travel Rewards Secured Credit Card Overview

Card Type: Secured

The Bank of America Travel Rewards Secured Credit Card offers a budget-friendly option for individuals looking to build or improve their credit. With a $0 annual fee and no foreign transaction fees, it provides a cost-effective way to manage your finances while earning rewards. Since the card is designed for cardholders who want to boost their credit score or establish a credit history, it’s a card with few frills or perks: You won’t get a welcome bonus or 0% introductory APR on balance transfers or purchases. 

To open a card, you must make a minimum security deposit of $200 and a maximum of $5,000. Typically, with a secured card , your security deposit determines your credit limit. The security deposit acts as collateral if you default on your payments. 

According to Bank of America, your maximum credit limit is calculated based on your security deposit, income, and creditworthiness. The issuer will also regularly review your account to decide whether you’re eligible to get your security deposit back. 

Who is the Bank of America® Travel Rewards Secured Credit Card good for?

The BoA Travel Rewards Secured is good for someone who wants to use the card for travel, especially for international travel as it doesn’t charge a foreign transaction fee.

Who shouldn’t get the BoA Travel Rewards Secured? 

If your interest is cash-back, this card isn’t a good fit for you as points are only worth .6 cents each for cash vs 1 cent each for travel. 

Bank of America® Travel Rewards Secured Credit Card: Points

With the Travel Rewards Secured, there’s not much to remember when it comes to rewards: You’ll earn a flat rewards rate of 1.5 points for every $1 you spend on all purchases.

The card does not offer a new customer bonus.

How to redeem Bank of America® Travel Rewards Secured Credit Card points

When you’re ready to redeem your rewards, you’ll get less flexibility than you would with a traditional travel credit card. You won’t be able to transfer them to a hotel or airline partner or use them to book flights or hotel stays through a travel portal. Instead, you can use points to cover past travel purchases, get a statement credit, or purchase gift cards. 

Get a travel statement credit

To redeem points, you have the option to receive a statement credit to cover qualifying travel and dining expenses such as airlines, hotels, and car rentals, incurred within the last 12 months. 

However, this statement credit is limited to the most recent 2,500 qualifying transactions in these categories. With this redemption method, the exchange rate is straightforward: One point equals one cent.

Earn cash-back and buy gift cards

You can turn your points into real money by getting a check, having them electronically deposited into your Bank of America® checking or savings account, or getting them credited to an eligible Cash Management Account® with Merrill. 

Keep in mind that by redeeming points for cash, you won’t be maximizing their value. One point is valued at 0.6 cents, meaning 2,500 points will only get you $15. As for gift cards, their redemption value can vary.

Rates and fees

  • Purchase APR: 28.24% variable
  • Annual fee: $0
  • Foreign transaction fee: None

Additional benefits

Free FICO score. Through online and mobile banking, you can access your FICO score, which is updated monthly, for free.

Credit cards similar to Bank of America® Travel Rewards Secured Credit Card

If covering travel expenses with rewards isn’t your priority, explore the Capital One Quicksilver Secured—a card closely mirroring the Travel Rewards card. The choice boils down to personal preference: Do you want a travel-focused Bank of America card or a cash-back Capital One card?

Capital One Quicksilver Secured Cash Rewards Credit Card vs. Bank of America® Travel Rewards Secured Credit Card

The Capital One Quicksilver Secured Cash Rewards Credit Card and Bank of America Travel Rewards are similar cards with identical rewards structures, minimum opening deposits, and fees. With the Quicksilver, you’ll pay no annual or foreign transaction fees and earn 1.5% cash back on every purchase.

Similar to the Travel Rewards Card, you’ll need to make a $200 minimum deposit to open a Quicksilver card. By making on-time and in full payments on your Quicksilver card, you could get back your deposit and graduate to an unsecured Quicksilver card. Plus, every six months, Capital One will automatically consider you for a credit limit increase without having to put any extra money down.

While the Travel Rewards Card emphasizes rewards redemption for travel-related expenses, Quicksilver rewards can primarily be redeemed for cash-back or gift cards. 

Is the Bank of America® Travel Rewards Secured Credit Card right for you?

The Bank of America Travel Rewards Secured Credit Card is best suited for those who don’t need lots of bells and whistles and are focused on establishing or improving their credit scores. The card also has a low barrier to entry: You’ll just need to make a minimum security deposit of $200 to open a card.

This card, however, is likely not a good fit if you’re not interested in credit building and want a flashier travel credit card with benefits like a hefty welcome bonus and luxurious perks. 

Frequently asked questions

Is it hard to get a bank of america® travel rewards secured credit card.

While Bank of America does not disclose what credit score you need to qualify for the Travel Rewards Secured card, since it’s a secured card meant for credit building, you won’t need a good credit score to be eligible.

What is the credit limit for a Bank of America® Travel Rewards Secured Credit Card?

The credit limit for the Bank of America Travel Rewards Secured card is determined by the security deposit, which can be as low as $200 and as high as $5,000.

Can I get denied for a secured credit card with Bank of America?

Though secured credit cards are intended for credit building, Bank of America may reject some secured card applicants due to a lack of credit history, a poor credit score, bankruptcy, and more.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to secured credit cards

The best secured credit cards for march 2024, best prepaid debit cards of march 2024, a secured credit card can help you rebuild your credit score. here's how it works, how to use a secured credit card to build good credit history, a prepaid debit card is an easy way to charge it—here's what you need to know, it's harder, but not impossible: how to get a credit card with bad credit, capital one quicksilver secured cash rewards credit card: earn first-rate cash back while building credit, chime credit builder visa credit card review: built-in safety for those with bad credit, upgrade secured onecard review: great rewards with extra effort, how to use a prepaid debit card—the tool that lets you leave your cash at home, secured vs. unsecured credit cards: what’s the difference .

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nab credit card for overseas travel

Complimentary international travel insurance

Check your eligibility and policy coverage or make a claim on your complimentary international travel insurance through Allianz Global Assistance (AGA).

Changes effective 1 November 2023

Please read this summary of changes to understand how it will affect your complimentary card insurance policy.

Key features

If your NAB card offers complimentary international travel insurance, here are a few reasons to use that feature.

Simple claims process

Make a claim online, even if you’re overseas.

Simple eligibility check

With  Allianz Global Assistance’s eligibility portal , opens in new window , you can easily check if your card is eligible for up to five complimentary insurances including international travel insurance (for persons aged under 81 years).

No need to get a quote

Your insurance is complimentary with eligible NAB cards, so no need to get quotes or apply.

Eligible NAB cards

The following NAB cards include complimentary international travel insurance.

On sale cards

  • NAB Qantas Rewards Signature Card
  • NAB Qantas Rewards Premium Card
  • NAB Rewards Signature Card
  • NAB Rewards Platinum Card
  • NAB Low Fee Platinum Card
  • NAB Platinum Visa Debit Card

Off sale cards

  • NAB Premium Card
  • NAB Velocity Rewards Premium Card
  • NAB Flybuys Rewards Card
  • NAB Low Rate Platinum Card
  • NAB Qantas Plus Card

Eligible purchases

To be eligible, you’ll need to reside in Australia and:

  • charge at least $500 of your prepaid travel costs to the accountholder’s card account before leaving Australia
  • have a return overseas travel ticket before leaving Australia
  • be aged under 81 years at the time you become eligible for the cover by meeting the conditions above.

You can check if you are eligible for complimentary insurance by using the Allianz Global Assistance eligibility portal , opens in new window .

Policy coverage

The below is a limited summary only. Terms, conditions, exclusions, limits, sub-limits and excesses apply.

You, your spouse and your dependants may be covered by this policy if the eligibility criteria is met. Eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits apply.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet Effective 1 November 2023 (PDF, 489KB) , opens in new window .

What may be covered

Below is a limited summary only. For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet Effective 1 November 2023 (PDF, 489KB) , opens in new window .

Here are examples of what this insurance is designed to cover for eligible customers.

For people aged under 81 years

The below information is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.

overseas emergency assistance and medical expenses

accidental death and loss of income

cancellation

travel delay and alternative transport expenses

luggage and luggage delay

rental vehicle excess

personal liability

Epidemic and pandemic cover

Below is a limited summary only and are subject to applicable terms, conditions, exclusions, limits, sub-limits and excesses that may apply.

COVID-19 cover may be available under selected sections of the international travel insurance section.

For more information about epidemics and pandemic coverage (such as COVID-19), please read the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window .

If, during the period of cover available, you (including your spouse and/or dependants who are eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover may be available to you under the following sections:

1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation)

1.2 Overseas Emergency Medical

2.1 Cancellation

3.1 Additional Expenses

If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover may be available to you under the following sections: 

2.1 Cancellation 

Terms, conditions, exclusions, limits and applicable sub-limits apply. Please read the  NAB Card Insurance Policy Information Booklet effective 1 November  2023 (PDF, 489KB) , opens in new window  including Part D – General Exclusions and the exclusions set out in each of the above sections.

What isn’t covered

Below is a limited summary only.

For the full list of benefits and the terms, conditions, exclusions, limits, applicable sub-limits and excesses that apply, please read the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window .

Examples of what’s not covered include claims arising directly or indirectly because of:

  • any pre-existing medical condition of any person including you, your travel companion or a relative unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy. Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone. If after assessment, Allianz Global Assistance confirm to you that your pre-existing medical condition is covered by the group policy, you will need to pay an administration fee of $75.
  • childbirth at any gestation (except when arising from an injury or sickness) and pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover  
  • your participation in any dangerous activities or your exposure of yourself to danger unless in an attempt to preserve your life or the life of another person

Other complimentary insurances

If you have an eligible NAB card, and make an eligible purchase, these complimentary insurances are also available.

Complimentary interstate flight inconvenience insurance

Complimentary domestic travel insurance

Learn what you need to know about your domestic travel insurance.

Complimentary rental vehicle excess in Australia insurance

Complimentary rental vehicle excess insurance in Australia

How to make a claim, check eligibility and understand your policy.

Complimentary extended warranty insurance

Complimentary extended warranty insurance

Learn about policy coverage, eligibility and the simple claims process for your extended warranty insurance.

Complimentary purchase protection insurance

Complimentary purchase protection insurance

What you need to know about your policy coverage, eligible purchases and claims.

How to make a claim

If you’re making a claim on your travel insurance, the easiest way to claim is by using the online claims portal. For claims relating to any other type of cover (including domestic travel insurance), please contact our team via email or phone.

For claims relating to international travel insurance only , you can submit an online claim.

Download the relevant form and email our insurance provider Allianz Global Assistance.

Call Allianz Global Assistance (AGA)  Monday to Friday, 8:00am to 7:00pm (AEST/ADST) .

Australia:  1800 187 025

Emergency assistance is available 24 hours a day, seven days a week. Calls from mobiles, public telephones or hotel rooms may attract additional charges.

Australia:  1800 010 075

Overseas:  +61 7 3305 8800

Important Information

Terms and conditions.

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AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third-party beneficiaries. 

Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third-party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover. If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy set out in the  NAB Card Insurance Policy Information Booklet effective 1 November 2023 (PDF, 489KB) , opens in new window , which may be amended from time to time. For insurable events that occurred prior to 1 November 2023, please refer to the  NAB Card Insurance Policy Information Booklet dated 30 June 2022 (PDF, 604KB) , opens in new window .

For more information about the changes visit Information about changes to complimentary insurances .

IMAGES

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COMMENTS

  1. International debit and credit card transaction fees

    The NAB Platinum Visa Debit card doesn't charge an international transaction fee on purchase transactions processed overseas. It does charge an international transaction fee on overseas cash withdrawals, and fees for using international ATMs. NAB Now Pay Later has no international transaction fees, plus no late fees, account fees or interest.

  2. How to use your own money when travelling overseas

    Spend your money the way you want. You'll be able to use your card wherever Visa is accepted, including overseas and online. Remember, you're only ever spending funds from your transaction account. Use your NAB Visa Debit card to: Withdraw money at ATMs or at a branch, and to make purchases in person, online or over the phone.

  3. Choosing a credit card for travel

    Complimentary travel insurance. NAB Rewards credit cards, Qantas Points credit cards, and the NAB Low Fee Platinum Card include complimentary travel insurance 6 that may cover: personal liability and legal expenses. To be eligible you'll need to charge at least $500 of your prepaid travel costs to the account holder's card, be aged under 81 ...

  4. 5 Things to Do Before Traveling Overseas With Your Credit Card

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  5. NAB credit card complimentary travel insurance

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  6. NAB StraightUp Credit Card Full Review

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  7. NAB platinum credit card travel insurance reviewed

    How it compares: Out of the credit card travel insurance offers we compared (NAB, Commonwealth Bank, Westpac, St George, ANZ and American Express), NAB's was strong in the areas of income protection and overseas medical/dental coverage. However, if you have a pre-existing medical condition of any sort (or any past medical problem that a new condition could be traced back to) this insurance is ...

  8. NAB Gold credit card travel insurance reviewed

    How it compares: Out of the credit card travel insurance offers we compared (NAB, Commonwealth Bank, Westpac, St George, ANZ and American Express), NAB's was average in most areas and good in its income protection and overseas medical/dental coverage. However, if you have a pre-existing medical condition of any sort (or any past medical problem that a new condition could be traced back to ...

  9. Best Credit Cards for Overseas Travel Australia

    The table below displays the best-rated overseas travel credit cards from our online partners, sorted by our expert Star Ratings (highest to lowest). 0% p.a. interest rate on balance transfers for 9 mths. Rate reverts to 21.74% p.a. Balance transfer fee of 1% applies... 0% p.a. interest rate on purchases for 9 mths.

  10. NAB Credit Cards

    The table below displays a range of NAB credit cards on our database. Joshua Sale Group Manager, Research & Ratings Amanda Horswill Deputy Editor, Canstar Updated 20 Mar, 2024 Fact checked ... Overseas travel All card types Monthly spend $5,000. $1,000 $2,000 $3,000 $4,000 $5,000 $7,500 $10,000

  11. NAB Credit Cards

    NAB Credit Card Offer. Save on card costs with a 0% balance transfer offer and no annual fee in the first year. 0% p.a. on balance transfers for the first 28 months, with a 2% BT fee. $0 annual ...

  12. Credit cards for Australian travellers

    These credit cards have no overseas online purchase or foreign exchange fees and no annual fee (even for additional cardholders). ... NAB StraightUp: N/A: $0-240 (D) No: Westpac Lite 9.9%: $108: No: ... Credit card travel insurance is a free benefit on many credit cards, but it's important to remember that this form of travel insurance does ...

  13. Travel money cards with the lowest fees

    Australia Post Travel Platinum Mastercard. Available online or at post offices. Currencies: AUD, USD, NZD, EUR, GBP, SGD, THB, JPY, HKD, CAD, AED. Fees: Fee to reload the card via BPay, debit card or instore, but free via online bank transfer. Closure fee. Fees for ATM withdrawals in Australia and overseas.

  14. Best Travel Cards for Australians Heading Overseas in 2024

    The Citibank Plus Everyday Account - bank debit card. With this card you can: withdraw money for free at over 3000 ATMs Australia-wide and overseas. take advantage of no foreign transaction fees, monthly fees, or minimum opening balance. transfer money to friends and family anywhere in the world for free.

  15. 10 credit card tips to help you avoid disaster when traveling abroad

    9. Check your card benefits for travel perks. Travel credit cards can do more than just waive foreign transaction fees and extract cash from ATMs; they can revolutionize the quality of your travel ...

  16. Best Debit Cards for Overseas Travel

    As you are accessing your own money, this can be a more budget-friendly option than a travel credit card. But debit cards can have fees when used overseas. This commonly includes international transaction fees and international ATM fees. ... the major banks (ANZ, CommBank, NAB and Westpac) currently charge relatively high fees for international ...

  17. Travel insurance NAB credit card vs annual multi trip

    Hi, I'm 65 husband 73, both healthy, getting quotes for cruising as have 5 cruises over the coming months. I am tempted to get a NAB premium debit card, however, can't seem to get a clear answer if it covers cruising. The debit card would cost $10 per month, which I think is pretty good comparing...

  18. Best No-Annual-Fee Travel Credit Cards Of March 2024

    Using a travel rewards credit card has long been celebrated as an easy strategy to travel the world for less. Consumers can apply for rewards credit cards and earn points and miles on everyday ...

  19. International banking

    Tell us when and where you're going overseas to keep your NAB credit card or debit card active and money safe while you're away. Need a card for travel or international purchases? Our NAB Platinum Visa Debit Card is your premium everyday card at home and overseas. The $10 monthly fee, unlocks great travel features including 0% foreign currency ...

  20. A Guide to Travel Points on Credit Cards

    Potential pros and cons of travel points. Some benefits of travel points may be: Free or discounted travel expenses: Travel points may be redeemed for complimentary or discounted flights, hotel stays, and even upgrades, allowing for cost savings on travel expenses. Travel perks: Some travel rewards cards provide access to airline or hotel loyalty program benefits, such as priority boarding ...

  21. Travelling overseas

    Visa credit or debit card holders call us on 1800 033 103 (within Australia) or +61 3 8641 9121 (from overseas) and let us know you've lost your card. NAB Traveller Card holders can call us on 1800 098 231 (within Australia) or if you're calling from overseas we have country specific NAB Traveller Card Emergency Assistance Numbers , opens in ...

  22. The Five Best Travel Credit Cards for 2024

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  23. Bank of America® Travel Rewards Secured Credit Card Overview

    The fee-free Bank of America Travel Rewards Secured Card offers a path toward credit building while allowing you to earn points to pay for travel.

  24. International travel insurance

    charge at least $500 of your prepaid travel costs to the accountholder's card account before leaving Australia. have a return overseas travel ticket before leaving Australia. be aged under 81 years at the time you become eligible for the cover by meeting the conditions above. You can check if you are eligible for complimentary insurance by ...