If you want to get the most out of your credit card on your next trip overseas, follow our ‘10 healthy credit card habits of smart travellers’. You’ll discover that managing your credit card while you’re away can be a lot easier than you think. Make this one of your first ports of call whenever you start planning to go overseas.

Bon voyage!

1. They let us know before they go
That way, we know our smart travellers have taken a card overseas. This helps avoid the card being stopped by ANZ Falcon™ when it detects overseas purchases.
Find out more.

2. They get a PIN for their credit card in addition to their signature in case they need to electronically verify purchases overseas
Many countries now have security chip technology and require a PIN instead of a signature to authorise transactions on a credit card. Without a PIN, a merchant could decline a transaction.
Find out more.

3. They take more than one card
To protect themselves against loss and theft, smart travellers carry an additional card, like an ANZ Access or ANZ Everyday Visa Debit card. It also helps when using ATMs that don’t let cardholders choose between their transaction and credit accounts, which can occur in some countries and may lead to fees on your accounts.
Find out more.

4. They take backup funds in a variety of forms
Smart travellers know that when they land in a foreign country, it’s good to have funds in a variety of forms, and to have a small amount of local currency for small purchases. They also know that it’s worthwhile hiding some funds away in case of an emergency.
Find out more.

5. They set up ANZ Internet Banking, ANZ Phone Banking and ANZ Mobile Phone Banking before they go
Just because they’re thousands of kilometres away, it doesn’t mean that they aren’t in touch with their banking needs. Managing credit cards and paying bills using ANZ Internet Banking, ANZ Phone Banking and ANZ Mobile Phone Banking can be both cost effective and convenient.
Find out how.

6. They set up automatic monthly credit card payments
Not only is it convenient, but it also ensures that monthly credit card bills get paid on time to avoid late payment fees.
Find out how.

7. They arrange new or replacement credit cards and foreign currency as early as possible
Ordering replacement cards and foreign currency early in the planning stages helps to relieve any last minute anxiety.
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8. They purchase insurance to cover themselves
Smart travellers know that the saying ‘If you can’t afford travel insurance, you can’t afford to go’ holds true. They know that they have to cover themselves and their cards in case things go wrong. Those with ANZ Gold and ANZ Frequent Flyer Visa Platinum cards know that they get Overseas Travel and Medical Insurance at no extra cost.
Find out more about covering yourself.
Find out more about protecting your cards

9. They take their important phone numbers with them
When things don’t go according to plan, they know who to call if they lose or have a card stolen, or need an emergency cash advance.
Find out more.

10. They check the expiry date on their credit cards before they go
They know that a card expiring overseas is an avoidable oversight that could also prove to be an annoying and costly inconvenience.
Find out more.

Use our Healthy Travel Tips Menu in the top left hand corner to reach specific topics like accessing your funds, travel insurance, fees and charges, making credit card payments while you’re away, lost and stolen cards, plus some handy tips and resources to help you plan your trip.