*Important Information

Offer is only available for applications submitted via nab.com.au/creditcards between 6/8/08 and 12/09/08. Offer is not available when closing or transferring from another NAB Credit Card Account, when linking your NAB Credit Card to any NAB Package or in conjunction with any other NAB Credit Card offer.

Special Promotion Balance Transfer Terms and Conditions, available on application, detail the processing and treatment of balance transfer amounts. The cash advance interest rate applicable to your NAB Credit Card Account will apply to balance transfer amounts unpaid after 6 months. For NAB Low Rate Visa Cardholders, please note the cash advance interest rate applicable to your NAB Credit Card Account is higher than the purchase interest rate. The promotional rate of 0%p.a. for up to six months on balance transfer amounts must be applied for at the point of full credit card application.

1. Annual card fee and interest rates are subject to change. Correct as at 22 July 2008. View full details of fees and charges.
2. An annual card fee of $93.40 applies to Gold MasterCard LensCard and is subject to change. Correct as at 17 April 2007. View full details of fees and charges.
3. Cash back is calculated as 0.5% of net purchases made during a statement period and is credited directly to your NAB Visa Mini account. Purchases included in the cash back calculations are described in the terms and conditions which are available on application or for download here.
4. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers' cheques). Interest-free days on purchases if you pay your account in full by the due date each month.
5. Link your card to your FlyBuys membership at no additional cost. Minimum thresholds and standard FlyBuys terms and conditions apply. The FlyBuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334.
6. Velocity Points can only be earned using a Velocity NAB Credit Card. You must provide NAB with your valid Velocity Membership Number to enable points to be credited to your Velocity Rewards Account. If you are not a Velocity Member, you can join by visiting velocityrewards.com.au. Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions, as amended from time to time, and available at velocityrewards.com.au. The Velocity Program is operated by Velocity Rewards Pty Ltd ACN 116 089 448 as trustee of The Loyalty Trust.
7. National Australia Bank Limited has obtained NAB Gold Overseas Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance under Master Policies issued by American Home Assurance Company ABN 67 007 483 267, AFSL 230903, trading as AIG Australia. The benefits are extended to NAB Visa Gold, NAB Gold MasterCard, NAB Gold Rewards Visa, NAB Gold Rewards MasterCard and Velocity NAB Gold Cards cardholders. The terms, conditions and exclusions of NAB Gold Overseas Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance are specified in the NAB Gold Insurance Policy Document [PDF 234kb](opens in a new window) and may be amended from time to time. Please note: for Emergency and Medical Assistance while travelling overseas - please contact AIG Assist on reverse charge call to Australia + 61 2 9251 4298. This overseas assistance service is subject to terms and conditions.
8. Lost Card Cover is provided for NAB Visa Classic, NAB MasterCard, Velocity NAB Standard Cards, NAB Visa Mini, NAB Low Rate cardholders. A membership fee applies. VIP Lost Card Cover is provided for NAB Visa Gold, NAB Gold MasterCard, NAB Gold Rewards Visa Card, NAB Gold Rewards MasterCard and Velocity NAB Gold Cards cardholders. VIP Lost Card Cover membership is complimentary for the first 12 months, for the Gold cards detailed. VIP Lost Card Cover and Lost Card Cover are provided by Card Alert International Pty Ltd ABN 82 003 249 885 of Level 10, 68 Pitt Street, Sydney, NSW 2000. Terms, conditions and exclusions apply.
9. Purchase Protection Insurance for NAB Visa Classic, NAB MasterCard, Velocity NAB Visa Cards and NAB Visa Mini is issued by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507, of 5 Blue Street, North Sydney, NSW 2060. The terms, conditions and exclusions of Purchase Protection Insurance are specified in the Purchase Protection Insurance Policy Document [PDF 123kb] (opens in a new window) and may be amended from time to time.
10. Travel Assist Services are added travel benefits relevantly provided by Visa International, MasterCard International and NAB American Express cards by International SOS. Neither National Australia Bank Limited ABN 12 004 044 937 nor any other company in the National Australia Bank Group guarantees or accepts liability in respect of these services.
11. Gross income of $50,000 p.a. or more.

Other Important Information
Approval is subject to NAB's credit assessment criteria. Terms and conditions are available on application or for download here. Fees and charges apply.

A credit card offers you great flexibility and convenience. But it's important to remember, like any debt, you will have to repay it. If you are unsure as to whether you will be able to manage repayments for a new credit card, then you should not consider taking up a NAB credit card at this point in time.

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