A Visa Gold card gives you all the convenience of a Visa card and all the exclusive benefits of Gold.

Exclusive Visa Gold benefits include:

• Automatic minimum $5,000 credit limit.
• Extensive Overseas Travel Insurance cover for you and your family with emergency and traveller benefits.
• National Bank Global Services - priority and exclusive access to 24 hour premium travel advice and emergency assistance when travelling overseas - with additional Gold benefits.

Plus the benefits of a Visa Classic card:

• Balance transfer rate - transfer your balance from another bank’s credit card and pay just 2.99% p.a. interest for six months on the balance transferred. After six months the standard interest rate will apply.
• Up to 55 days interest-free credit.
• 24 hour, 365 day access to ATMs and EFTPOS in New Zealand and overseas.
• Convenient payment options. You can choose to pay by direct debit, automatic payment, Online Banking, by mail or at any National Bank branch. You can also set up a bill payment to your credit card through Online Banking.

Please note that currency conversion charges and some fees apply when you use your card overseas.

Overseas Travel Insurance

As a Visa Gold cardholder, you and your family receive extensive travel insurance cover with emergency and traveller benefits each time you travel overseas. As long as you meet the eligibility criteria, your cover is provided automatically when at least half of your prepaid travel expenses are paid for with your Visa Gold card. Cover includes:

• Overseas Medical Expenses
• Additional Expenses
• Luggage, Personal Effects, Travel Documents, Money and Credit Cards
• Missed Transport Connection
• Personal Injury
• Loss of Income
• Personal Liability
• Kidnap and Ransom
• Rental Vehicle Collison Damage and Theft Excess Cover
• Alternative Employee Expenses

Terms, conditions, exclusions (for example, age limitations) and eligibility criteria apply for Gold Card Overseas Travel Insurance. For a policy document containing full details, please visit any branch of The National Bank, call the Chartis Call Centre on 0800 499 666, or you can view the policy document online (PDF 214KB). This policy is issued/insured by Chartis Insurance New Zealand Limited ("Chartis").

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

Ideal for travel

• Visa Gold is accepted in many countries and millions of locations worldwide.
• Withdraw local currency at banks and ATMs showing a Visa or PLUS symbol - you can find them overseas with the Visa ATM worldwide locator.
• Worldwide, 24 hour, toll-free access to priority National Bank Global Services with exclusive Gold benefits - for things like lost and stolen cards, emergency card replacement and emergency cash advances. Plus Gold benefits include a travel insurance referral service, passport assistance and legal or medical assistance

Additional benefits

• Additional card option for spouse, partner or other family members
• CardCover repayment protection.

Please note that currency conversion charges and some fees apply when you use your card overseas.

You can apply for a Visa Gold card online and we will respond to your application in 60 seconds, or visit how to apply to view all our credit card application options.

Transfer your balance from another bank's credit card to a National Bank credit card.

If you’d like more information, send us an e-mail or call 0800 741 741.

Our lending criteria apply. Interest rates are current as at 10 August 2007 and are subject to change. Read our disclosure statement.