Payment options overseas

You’ve spent a lot of time, and might have given up a few luxuries, to save for your big overseas trip. So now you’re going, you want to get the most out of every cent of your hard earned holiday cash.

Sometimes whether you lose or save money on your trip can depend on how your pay for your holiday expenses. For example, by using your credit card rather than paying for meals in the local currency, you could be hit with a credit card surcharge.

We have a few suggestions on when and how to use your various payment methods to avoid as many fees and charges as possible and maybe pick up a few benefits along the way.

Before you go

Holiday expense Benefits you want
Payment option to use
Airfares and accommodation Rewards points One of our rewards credit cards
Airfares and accommodation Complimentary travel insurance1 One of our premium cards
Airfares and accommodation Pay no surcharges Direct debit through Internet Banking
Debit card

Payment option benefits

While you're away

Holiday expense Benefits you want
Payment option to use
Check into hotels Process pre-authorisation Credit cards
Hiring cars Process pre-authorisation Credit cards
Spending money Fix exchange rates NAB Traveller Card
Spending money Avoid fees NAB Traveller Card
Holiday shopping Purchase Protection Insurance Selected credit cards
Holiday shopping Rewards points NAB rewards credit cards
Holiday shopping Track my spending

NAB Internet Banking
NAB Traveller Card

Credit cards

Holiday shopping Interest free purchases2 Credit cards
Paying for meals Pay no surcharges on meals Foreign currency cash
Tipping Tip with cash Foreign currency cash
Tipping Tip electronically Credit cards
Getting around Ready cash off the plane, train, boat or bus Foreign currency cash
NAB Traveller Card
NAB credit cards

Payment option benefits

Peace of mind with our cards

Take one of our credit cards or a NAB Traveller Card with you on your holiday and you can rest easy knowing you’re covered if you lose your card.

NAB Credit Cards

24 hour 7 day support

If you lose your credit card, you can call our lost / stolen number any time.

1800 033 103 within Australia

+61 3 8641 9121 overseas

Protection against fraud

Wherever you see the NAB Defence logo, we’ll protect you against fraud.

Emergency replacement card

Usually within 48 hours with Visa Global Customer Assistance Services or MasterCard® Global Assist.

NAB Traveller Card

Emergency cash

If you lose your NAB Traveller card we may be able to send you emergency funds within 20 minutes (depending on where you are).5

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Important information

1 A qualifying purchase is required to get the benefits of the complimentary insurance. See terms, conditions and exclusions of the complimentary insurances are specified in the NAB Card Insurance Policy Information booklet (PDF, 391KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 924KB) and may be amended. The complimentary insurances is issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 to NAB. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth).

2 If you pay your closing balance in full by the due date each month. You won’t receive interest-free days while you have a balance transfer.

3For further information see the NAB Traveller Card Product Disclosure Statement and Terms and Conditions (PDF, 327KB)

4Withdrawals and transactions: Some operators and merchants may directly charge a fee. Daily transaction and ATM withdrawal limits apply. Transactions and fees that require a currency conversion are calculated using MasterCard foreign exchange rates and are subject to NAB’s Foreign Currency Conversion fee.

5 For emergency funds in the local Currency to be sent to you via a global money transfer network in an emergency situation. Emergency funds can be sent to you within 20 minutes depending on your location. Card Services will notify you how long it will take for funds to reach you, for example in Japan and some remote locations this can take up to 24 hours.

® MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Get ready to travel

How to pay for your trip, insure yourself and be financially ready to travel

Travel-proof your credit card

Make sure your credit card is as ready to travel as you are and find out if it can insure your trip

Travel tips

How to keep your money safe, track your spending and make your cards and accounts ready for your trip

Foreign exchange rates

Find out how much foreign currency your money can buy

We're ready to help you

Talk to an expert
Call 13 22 65

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Sat-Sun 9am - 6pm (AEST/ADST)