International fees on your card explained

When you’ll be charged fees

Here are some of the most common examples of when the fees apply.

Shopping online

Do you love online shopping or frequently book holidays or hotels online? If you do, be aware that any transaction processed outside of Australia or in any foreign currency (e.g. USD or GBP) will attract the fee.

It may not always be obvious that your purchase is being processed overseas. For example, you could be on a '.com.au' website and paying for the purchase in Australian dollars (AUD). However, the transaction is actually being processed by the merchant outside of Australia and the fee will apply.

Travelling overseas

The NAB International Transaction Fee applies when you use your credit card overseas to:

• make a purchase
• withdraw cash from an ATM (a 'cash advance'  ).

The NAB Foreign Currency Transaction Fee applies when you use your NAB Visa Debit card overseas to:

• make a purchase in a foreign currency
• withdraw cash from an ATM in a foreign currency.

When buying something overseas, you may be given the option to pay in either local currency or Australian dollars (AUD). In either case, you’ll be charged your card’s international fee.

While it may seem helpful to see the amount you’re paying in Australian dollars (AUD), you should check the exchange rate to determine which option is better for you.

You can find up-to-date Visa currency conversion rates in the NAB app by selecting More from the menu before logging in and selecting Foreign exchange. If you choose to pay in Australian dollars (AUD), be aware that the exchange rate the merchant uses to convert the transaction amount might be different to the exchange rate Visa uses.

If you’re using the NAB Traveller Card overseas, you’ll avoid these fees only if you have the local currency loaded onto your card.

Cards with no international fees

To avoid international fees, look for debit and credit cards that allow you to shop overseas without incurring them. NAB offers two cards that don’t charge international fees.

The NAB StraightUp Card comes with no interest as well as no international fees. There’s just a simple monthly fee and minimum monthly payment based on your credit limit.

The NAB Platinum Visa Debit card doesn’t charge an international transaction fee on transactions processed overseas. It does charge a foreign currency transaction fee on overseas cash withdrawals, and fees for using international ATMs.

Fee amounts for different transactions

See what fees apply when using your card for international purchases.