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.

Explore your options

Paying for your holiday after you get back might not be the most common approach – but it is becoming a better option. Particularly for everyday 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 to travel now, and don't quite have the savings, a personal loan could be the 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 the same day1.

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.

Use our Personal Loan Borrowing Calculator to estimate how much you could afford to borrow.

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 Points
  • Qantas Frequent Flyer Points.

Complimentary overseas travel insurance

One of the benefits you could enjoy is complimentary overseas travel insurance. Available when you use your personal NAB Visa Signature, Platinum or Premium credit cards 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. You also need to 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. The best part is you can use them to help fund your trip via Webjet or one of our airline partners. Read the NAB Rewards Terms and Conditions (PDF 327KB) before you apply.

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 - 7pm (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. You then pay for it in four equal instalments, interest free.

How it works

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

Read more about 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 Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries. 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). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information booklet (PDF, 478KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 275KB) which may be amended from time to time. NAB does not guarantee this insurance.

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

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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Credit cards

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NAB and Afterpay

NAB and Afterpay are teaming up to provide you with new innovative ways to pay in-store and online.

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