Travel

Travelling is one of life's great experiences and a credit card from NAB can help you travel in style, with a secure and convenient way to manage your money while you're away.

This page contains information about:

Travelling with a credit card

A NAB credit card can be a great travel companion:

• Accepted at up to 22 million locations
• Along with a combination of travellers cheques and foreign currency, a  NAB credit card can help minimise the risk of being left without access to money overseas
• Helps you keep track of your spending through itemised card account statements

Some of our credit cards have great features for travellers:

NAB Gold Card with NAB Gold Overseas Travel Insurance  and VIP Lost Card Cover.

Velocity NAB Credit Cards available as either Velocity NAB Standard card account or Velocity NAB Gold card account, each with an American Express® card and a Visa card, lets you earn Velocity Points towards Virgin Blue's Velocity Rewards Program.¹

NAB Gold Rewards Card available as either Visa or MasterCard and the ability to redeem Gold Rewards points for a great range of rewards.

NAB Standard Card available as either Visa Classic or MasterCard and with complimentary 90 day Purchase Protection Insurance and option to link to your FlyBuys membership at no extra cost.²

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Managing your money while you're away

Registering for NAB Internet Banking³before you go can be a good way to manage your credit card account anytime, from anywhere in the world. You can pay bills instantly, transfer funds from another linked NAB account, and have access to up to 100 days of transaction history on all your linked accounts.

Wherever possible, you should try to avoid accessing Internet Banking from a public computer. But if you need to while you are away, make sure you:

• Check the computer has current anti-virus and firewall protection, as Trojan viruses or spyware can steal passwords and account numbers.
• Log-out completely when you finish.

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Lost Card Cover

Should the unforeseen happen while you're away, Lost Card Cover⁴ is a registration service that will keep a confidential list of your registered credit cards, or any other cards you keep in your wallet that you would want to cancel and replace urgently if they were lost or stolen.

Lost Card Cover for credit card customers
VIP Lost Card Cover for Gold credit card customers

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NAB Travel Insurance

Unexpected events can happen when travelling. Travel with peace of mind, knowing that your NAB Travel Insurance policy is underwritten by Allianz Australia with customer service provided by Mondial Assistance, one of the largest assistance providers in the world.

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NAB Gold Overseas Travel Insurance

NAB Gold credit card customers enjoy comprehensive NAB Gold Overseas Travel Insurance at no extra cost.

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Purchase Protection Insurance

If your latest purchase is accidentally broken or stolen, there's no need to panic. If you bought it with your NAB credit card, you'll receive automatic purchase protection for 90 days at no additional cost. ⁵

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Emergency travel assistance

You may be away from home, but help and assistance are always close at hand when you carry a NAB credit card. All of our cards offer valuable services that provide access to emergency travel assistance and services in locations right around the world.⁶

MasterCard cardholder's have access to MasterCard Global Service
Visa cardholder's have access to Visa Global Customer Assistance Service
American Express customers have access to American Express Emergency Travel Assist.

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Chip Credit Cards

Can I use a non-chip credit card in other countries?
Yes. A credit card without a chip can continue to be used in the same locations as a chip credit card. However, in some countries you may be asked to use your PIN instead of signing to authorise your purchase or you may even be asked for both a PIN and a signature. For this reason, we recommend that you always know your PIN when travelling overseas.

Travelling to the UK and Europe - Customers travelling to the UK or Europe should not be concerned about card acceptance if they have a non-chip credit card. Merchants should continue to accept foreign-issued, non-chip cards. In addition, payment terminals being used in the UK and Europe can identify a non-chip card. When the card is inserted, the terminal will know if a PIN or signature is required and will provide prompts accordingly. If you encounter a problem with a merchant, you can ask them to swipe the card and follow the prompts on the terminal.

If you require further assistance when overseas please call:
Visa Global Customer Assistance: +1 443 641 2004
MasterCard Global Assistance: +1 636 722 7111
American Express Global Assistance: +61 2 9273 2730

What should I do if I do not know my PIN?
You were sent a PIN when your NAB credit card was issued. If you cannot remember your PIN, please call us on 13 22 65 or visit any NAB branch.

More questions? Learn More about the NAB Chip credit cards.

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1. Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions, as amended from time to time, and available at velocityrewards.com.au. The Velocity Program is operated by Velocity Rewards Pty Ltd ACN 116 089 448 as trustee of The Loyalty Trust.
2. Minimum thresholds and standard FlyBuys Terms and Conditions apply. FlyBuys is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334.
3. Terms and conditions apply and are available upon registration for the service. Fees and charges may be payable.
4. Lost Card Cover is provided for NAB Visa Classic, NAB MasterCard, Velocity NAB Standard Cards, NAB Visa Mini, NAB Low Rate Visa Card and NAB ANT^TM American Express® cardholders. A membership fee applies. VIP Lost Card Cover is provided for NAB Visa Gold, NAB Gold MasterCard, NAB Gold Rewards Visa Card, NAB Gold Rewards MasterCard, Velocity NAB Gold Cards and NAB Gold Ant American Express cardholders. VIP Lost Card Cover membership is complimentary for the first 12 months, for the Gold cards detailed. VIP Lost Card Cover and Lost Card Cover are provided by Card Alert International Pty Ltd ABN 82 003 249 885 of Level 7, 20 Loftus Street, Sydney, NSW 2000. Terms, conditions and exclusions apply.
5. This is only a brief summary of the benefits and exclusions may apply.  Purchase Protection Insurance for NAB Visa Classic, NAB MasterCard, Velocity NAB Standard Cards, NAB Visa Mini and NAB ANT American Express Card with No Annual Card Fee is issued by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFSL 232507, of 5 Blue Street, North Sydney, NSW 2060. The terms, conditions and exclusions of Purchase Protection Insurance are specified in the Purchase Protection Insurance Policy Document [PDF, 104kb]and may be amended from time to time. Purchase Protection Insurance for NAB Visa Gold, NAB Gold MasterCard, Velocity NAB Gold Cards, NAB Gold Rewards Visa, NAB Gold Rewards MasterCard and NAB Gold Ant American Express cardholders has been obtained by National Australia Bank Limited under a Master Policy issued by American Home Assurance Company, ABN 67 007 483 267, AFSL 230903.  The terms, conditions and exclusions of Purchase Protection Insurance are specified in the NAB Gold Insurance Policy Document [PDF, 123kb]and may be amended from time to time.
6. These added travel benefits are provided by Visa International, MasterCard International and International SOS. Neither National Australia Bank Limited ABN 12 004 044 937 nor any other company in the National Australia Bank Group guarantees or accepts liability in respect to MasterCard Global Service, Visa Global Customer Assistance Services or American Express Emergency Travel Assist services.

Other Important Information
Approval is subject to NAB's credit assessment criteria. Terms and conditionsare available on application. Fees and charges apply.

A credit card offers you great flexibility and convenience. But it's important to remember, like any debt, you will have to repay it. If you are unsure as to whether you will be able to manage repayments for a new credit card, then you should not consider taking up a NAB credit card at this point in time.
 
™ Ant is a Trade Mark of National Australia Bank Limited ABN 12 004 044 937
® Registered Trade Mark of American Express Company