For many of us, life is busier than ever. There are moments when you just need to get away. It could be a destination wedding, an overseas trip to recharge the batteries, or a last-minute deal that’s too good to pass up.

Paying for your holiday after you get back might not be the most common approach – but it is becoming a better option for Australians who need more financial flexibility when it comes to travel.

Even if you only have enough in the bank for your flights, a personal loan or credit card can help you jet off when you need to.

No matter where you’re headed, you can travel now and pay later.

Using a personal loan

If you need travel now, even if you don’t quite have the savings together, a personal loan for travel could be your answer.

How it works

NAB Personal Loans start for as little as $5,000 at competitive rates. You can also choose a loan term that suits you.

As long as you’re eligible, you can jump online and apply today. On the other hand, you can apply in branch and if approved before 2pm you could get funds same day.1

When it comes to repayments, you can choose to pay them weekly, fortnightly or monthly – whatever suits your budget and needs best. Plus, you won’t get charged for making lump sum repayments or paying off your loan early.

Using your credit card

If you want to get away sooner, you could pay for some (or all) of your trip using your credit card. It’s one way of funding the good times – and even earning rewards points at the same time.

But there are a few things you need to consider before making this decision – such as credit card interest rates, fees and minimum credit limits.

Choose a card that’s right for you

Different credit cards suit different travellers. You might be looking for one with the lowest interest rate, or perhaps one that gives you the most points possible.

Our credit card comparison tool can help you figure out what card works best for you. It breaks down things like:

  • Long term balance transfers
  • Complimentary overseas travel insurance
  • Low interest rate cards
  • Annual card fees
  • NAB Rewards
  • Qantas Frequent Flyer Points.

Complimentary overseas travel insurance

As an example of one of the benefits you could enjoy, you could be covered with complimentary overseas travel insurance when you use your personal NAB Visa Signature, Platinum or Premium card on eligible purchases before you leave.2 To be eligible, you’ll need to spend at least $500 on pre-paid transport, tours, and/or accommodation on your NAB card and be aged 90 years or under before you take off.

There’s more information online and in the NAB Card Insurance Policy Information Booklet (PDF, 420KB).

Earn points before you take off

When you use your NAB Rewards Card on everyday purchases, you’ll earn NAB Rewards points (NAB Rewards Terms and Conditions apply; PDF 327KB). The best part is you can use them to help fund your trip via Webjet or one of our airline partners.

Need help choosing a card?

We can help figure out what you’re eligible for and talk you through the benefits that suit you best. Just get in touch with us by calling 13 13 12, Mon-Fri 8am - 8pm (AEST/AEDT) or Sat-Sun 9am - 6pm (AEST/AEDT).

Using Afterpay

With NAB and Afterpay3, you can plan for your trip without the worry of having all of the funds up-front. If you need luggage, clothing or travel accessories, you can buy what you want today in-store or online and pay for it in four equal instalments, interest-free.

How it works

Create an Afterpay account and pay off your purchases from eligible Afterpay retailers in four equal interest-free instalments each fortnight with your personal NAB Visa debit or credit card.4

Click for more information on Afterpay or check out the full list of participating travel-related online and in-store retailers.


Important information

1 Only available to existing customers. Complete applications (including all supporting documentation) must be submitted in store by 2pm Monday – Friday. Same day funds will be unavailable if your loan purpose is to refinance non – NAB debts or if NAB requires your application to be reviewed by a lending specialist. Speak to us to find out more.

2 A qualifying purchase is required to get the benefits of the complimentary insurance. The terms, conditions and exclusions of the complimentary insurances are specified in the NAB Card Insurance policy information booklet 13.03.18 (PDF, 420KB) and may be amended. The complimentary insurances are 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).

3 Afterpay is a service provided by Afterpay Touch Group Limited ABN 30 618 280 649 (‘Afterpay’). Afterpay is not related to NAB. The Afterpay service is subject to the Afterpay’s terms and conditions. You should read these terms before deciding if the service is suitable for you. An internet connection may be needed to make purchases using Afterpay and normal mobile data charges apply. Full information about the Afterpay service and how to sign up is available on https://www.afterpay.com/en-AU/nab.

4 All NAB cards usage are subject to each card's terms and conditions, and fees and charges.

The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial, and taxation advice before acting on any information in this article.

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Everything you need to know about NAB Travel Insurance and getting complimentary overseas travel insurance through your eligible NAB card.

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