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Travelling overseas with your credit card

Let us know before you go

This will make sure ANZ Falcon™ doesn’t stop any of your overseas transactions.


  1. Log on to ANZ Internet Banking
  2. Select ‘Contact’ from the header
  3. Select ‘Let us know before you travel’ and give us your travel details.

By phone

13 13 14 

More credit card tips for your travels

Get a PIN for your credit card

If you haven't already, make sure you get a PIN as merchants in some countries don't accept signatures to authorise transactions on a credit card. You can set a PIN for your eligible card using the ANZ App. Choose the account, tap Manage, then Manage Card to get started.

If you don't have the ANZ App, you can call us on 13 13 14 to have a new PIN sent to you in the post.


Take more than one card

Depending on your circumstances, you may wish to consider taking additional ANZ cards, like an ANZ Access Visa Debit card. This can also help when using ATMs that don’t let you choose between transaction accounts and credit accounts to withdraw money, which may lead to additional transaction fees being incurred on your accounts. This will also mean you have a backup payment option in case of loss or theft.


Take back up funds in a variety of forms

When you land in a foreign country, it’s good to have funds available in a variety of forms, and to have a small amount of local currency for small purchases. It’s worthwhile hiding some funds away in case of an emergency.


Which overseas ATM should you use?

Make sure that the symbols on the ATM correspond with your card so that you can access the account you want.

For access to:

  • Visa credit and debit cards: use Visa Plus ATMs
  • Savings* accounts on ANZ Access cards: use Maestro and Cirrus enabled ATMs.

Search for Visa ATMs worldwide.


Overseas fees and charges

If you make purchases overseas with your ANZ credit card, you may have to pay an overseas transaction fee. You may also have to pay a cash advance fee and an ATM operator fee if you use an overseas ATM. Other fees may also be applicable. For full details, please refer to the ANZ Personal Banking Account Fees and Charges (PDF 139kB) booklet, ANZ Personal Banking General Fees and Charges (PDF 114kB) booklet and ANZ Credit Cards Condition of Use (PDF 428kB) booklet, available online and in ANZ branches in Australia.


Before you leave Australia

  • Check the expiry date on all of your cards that you are taking with you to ensure they will not expire while you are away. If you need a replacement card, or want to apply for a different credit card, contact us on 13 13 14 or log on to Internet Banking.
  • Remember to set up your ANZ Internet Banking, ANZ App and ANZ Phone Banking before you go, so that you can access your ANZ accounts while travelling. If you are already set up and your CRN is your card number, we recommend changing over to a 9 digit CRN so that in the event your card is lost or stolen, you will still have access to your ANZ accounts. Call 13 33 50 (or +61 3 9683 8833 from overseas) to change your CRN.
  • If you’re away for a long time, it may be worth setting up automatic payments to your credit card account. Not only is it convenient, but it also ensures that your monthly ANZ credit card payment is paid on time and can help avoid unintended late payment fees. You can do so by setting up a future payment on ANZ Internet Banking or by setting up a CardPay Direct (PDF 81kB) facility.

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*May also be called a “Debit” account on overseas ATMs.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Labels and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.