Essentials cards

*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. Excludes cash advances including bills paid over the counter at a bank, financial institution or post office and for the purchase of traveller’s cheques. The NAB Low Rate Visa Card (Purchase) Indicator Rate is 12.79%p.a. (as at 20 May 2008) and is subject to change. The NAB Low Rate Visa Card (Cash Advance) Indicator Rate is currently 19.99%p.a. (as at 20 May 2008) and is subject to change. Your card account terms and conditions detail the application of these rates.
2. 0%p.a. will apply to any balance transfer amount for the period from the time the balance transfer is made to your account for six complete monthly statement periods, unless the balance transfer amounts are paid off earlier. These balance transfer amounts are designated cash advances for the purposes of the terms and conditions applicable to your credit card account. If at the end of the six month statement period applicable to any balance transfer amount any portion of that balance transfer amount is owing, that amount will attract interest at the NAB Low Rate Visa Card (Cash Advance) Indicator Rate (as advertised from time to time) then applicable to your NAB Credit Card account. This rate is currently 19.99%p.a. (as at 20 May 2008) and is subject to change. A payment to your NAB Credit Card account under this Special Promotion will be applied to the balance transfer amounts (designated cash advances) before any other cash advance or purchase amounts. The terms and conditions applicable to your credit card account set out in detail the order in which payments are applied. Please note 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. The promotional rate of 0%p.a. for up to six months on balance transfer amounts will appear separately on your NAB Credit Card statement and only applies to balance transfers from non-NAB credit card (or store) accounts. NAB reserves the right to withdraw any balance transfer invitations at its discretion.
3. 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.
4. Annual card fee and interest rates are subject to change. Correct as at 20 May 2008. View full details of  fees and charges.
5. Link your card to your FlyBuys membership at no additional cost. Minimum thresholds and standard FlyBuys terms and conditions apply. FlyBuys® is a registered trademark of Loyalty Pacific Pty Ltd ABN 82 057 931 334. Purchases are calculated as total credit purchases less sales credits (i.e. returns) and adjustments during a statement period. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office), when you use your card to purchase travellers cheques, or as a debit card to access linked accounts. Business transactions are also excluded; as are credit charges; annual or other Bank fees; government charges or unauthorised transactions for which the cardholder is not liable.
6. Purchase Protection Insurance for the NAB Visa Classic and NAB MasterCard 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 104kb] (opens in a new window) and may be amended from time to time.

Other Important Information
Approval is subject to NAB's credit assessment criteria. Terms and conditions are available on application. 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.