Travelling with a credit card
Managing your money while you're away
While you're overseas you'll need to make sure that you still make your credit card repayments. Registering for NAB Internet Banking before 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 NAB 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
- logout completely when you finish.
Complimentary insurances
NAB Gold and Platinum cardholders receive seven complimentary insurances. From the 1st of June 2011, when you purchase a minimum of $500 of your pre paid transportation costs (including by air, rail, road or watercraft) and/or accommodation and/or organised land tour costs all of which are inclusive of any charges, fees and/or taxes on your NAB Gold or Platinum Card, you could be covered if your overseas travel is cancelled, or you suffer from illness or become disabled while you're travelling overseas.
There's also cover for lost luggage and documents, rental vehicle accidents, some missed connections.
NAB Card Insurance policy information booklet
Emergency travel assistance
For more assistance when you're 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
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 around the world.
Optional insurances
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 Allianz Global Assistance, one of the largest assistance providers in the world.
Using non-chip credit cards overseas
You can use a credit card without a chip 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.
You were sent a PIN when your NAB credit card was issued. If you can't remember your PIN, please call us on 13 22 65 or visit any NAB branch.
Travelling to the UK and Europe
If you're travelling to the UK or Europe with a non-chip credit card, you shouldn't be concerned about card acceptance. 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. The terminal will know if a PIN or signature is required and will provide prompts accordingly.
Purchase Protection Insurance
Use your card to pay for a new personal retail item in full and if it's lost, stolen or accidentally damaged any time in the next 90 days you're covered for the cost of repairing or replacing it.
There are some limits and exclusions – see the Purchase Protection Insurance Policy Document (PDF 168kb). This insurance is supplied by Chubb Insurance Company of Australia.
Lost Card Cover
For $59 a year you can have Lost Card Cover from Secure Sentinel.
Secure Sentinel offers to keep a confidential list of any cards that you'd want to cancel if you lost them. If you do lose any of those cards, Secure Sentinel will contact the issuer(s) to cancel the cards and help you order replacements. This is a 24 hour, 7 day service.
Secure Sentinel also offers:
- cover for any fraudulent use of the cards from the time you call them until they've called the card issuer
- help cancelling your Australian passport and organising a replacement from the nearest Australian Embassy
- an advance of up to $1000 cash for 30 days if your wallet is stolen (conditions apply)
- to temporarily block your mobile phone if it's stolen
- coded tags for your keys and luggage to help get them back to you if they're found
- registration of possessions you can identify through a serial number.
You can get more information, including the full terms and conditions (including terms and conditions) from Secure Sentinel on 1800 022 043.
Lost Card Cover is provided by Secure Sentinel Pty Limited. ABN 53 054 235 157 of 100 Arthur Street, North Sydney NSW 2060.
VIP Lost Card Cover (complimentary for 12 months)
Secure Sentinel offers to keep a confidential list of any cards that you'd want to cancel if you lost them. If you do lose any of those cards, Secure Sentinel will contact the issuer(s) to cancel the cards and help you order replacements. This is a 24 hour, 7 day service.
Secure Sentinel also offers:
- cover for any fraudulent use of the cards from the time you call them, until they've called the card issuer
- help cancelling your Australian passport and help you organise a replacement from the nearest Australian Embassy
- an advance of up to $1000 cash for 30 days if your wallet is stolen (conditions apply)
- to temporarily block your mobile phone if it's stolen
- coded tags for your keys and luggage to help get them back to you if they're found
- registration of possessions you can identify through a serial number.
You can get more information, including the full terms and conditions from Secure Sentinel on 1800 022 043.
VIP Lost Card Cover is provided by Secure Sentinel Pty Limited. ABN 53 054 235 157 of 100 Arthur Street, North Sydney NSW 2060.
NAB Gold Overseas Travel Insurance
These insurances are complimentary with your gold card. These are just brief summaries. For full details, including exclusions, you should see the NAB Gold Insurance Policy Document (PDF, 123KB).
These policies are provided by American Home Assurance Company, trading as AIG Australia.
Cover for events like travel cancellation, overseas medical expenses, lost luggage or travel documents, accidental death and disability, missed connections, personal liability, collision damage waiver, hijack and detention, and kidnap and ransom.
To qualify, use your gold card (or rewards you've earned with it) for 50% or more of the travel costs that you pay before you leave Australia – your prepaid transportation, accommodation and other itinerary costs (excluding foreign currency and travellers cheques). If you pay for your spouse and/or dependant children as well, they're covered too.
Your cover starts when your overseas trip does and lasts until you return to Australia (up to a limit of 90 days per trip). You can cover as many separate trips as you like.
NAB Platinum Overseas Travel Insurance
These insurances are complimentary with your NAB Qantas Platinum Card. These are just brief summaries, and you should read the NAB Platinum Policy Information Booklet (PDF, 387KB) for full details, including exclusions. You can also call us on 1800 788 566.
Cover for travel cancellation, overseas medical expenses, lost luggage (up to $20,000) or travel documents, rental vehicle excess, accidental death and disability, missed connections, personal liability, collision damage waiver, hijack and detention, and kidnap and ransom.
To qualify, use your NAB Qantas Platinum Card to pay for the entire cost of your overseas return transport costs and receive comprehensive Overseas Travel Insurance cover for overseas trips up to six months long.
If you were recently upgraded from a gold card, and you make a claim before 1 May 2011: Your claim will be assessed according to whichever policy – Gold or Platinum Overseas Travel Insurance - is more generous. In most cases, that will be the Platinum policy.
