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NAB Low Rate Card
NAB Low Fee Card
NAB Premium Card
NAB Qantas Rewards Card
NAB Qantas Rewards Premium Card
NAB Velocity Rewards Card
NAB Velocity Rewards Premium Card
NAB flybuys Rewards Card
PROMOTION_TITLE
PROMOTION_SUBTITLE

For 15 months#

0

% P.A.

on balance transfers with a one off 2% BT fee
0

% P.A.

on purchases

For 15 months#

0

% P.A.

on balance transfers with a one off 2% BT fee
0

% P.A.

on purchases

For 15 months#

0

% P.A.

on balance transfers with a one off 2% BT fee
0

% P.A.

on purchases

For 15 months#

0

% P.A.

on balance transfers with a one off 2% BT fee
0

% P.A.

on purchases
10K Bonus Qantas Points when you make an everyday purchase within 90 days^
Apply by 2 October 2016

For 15 months#

0

% P.A.

on balance transfers with a one off 2% BT fee
0

% P.A.

on purchases
20K Bonus Qantas Points when you make an everyday purchase within 90 days^
Apply by 2 October 2016

For 15 months#

0

% P.A.

on balance transfers with a one off 2% BT fee
0

% P.A.

on purchases
10K Bonus Velocity Points when you make an everyday purchase within 90 days^

For 15 months#

0

% P.A.

on balance transfers with a one off 2% BT fee
0

% P.A.

on purchases
20K Bonus Velocity Points when you make an everyday purchase within 90 days^

For 15 months#

0

% P.A.

on balance transfers with a one off 2% BT fee
0

% P.A.

on purchases
Card Details
Annual card fee

$59

Annual card fee

$30

Annual card fee

$90

Annual card fee

$95

Annual card fee

$250

Annual card fee

$95

Annual card fee

$150

Annual card fee

$95

Purchase interest rate (standard)

13.99% pa

Purchase interest rate (standard)

19.74% pa

Purchase interest rate (standard)

19.74% pa

Purchase interest rate (standard)

19.99% pa

Purchase interest rate (standard)

19.99% pa

Purchase interest rate (standard)

19.99%

Purchase interest rate (standard)

19.99% pa

Purchase interest rate (standard)

19.99% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74%

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Interest free days

Up to 55 days

Interest free days

Up to 44 days

Interest free days

Up to 44 days

Interest free days

Up to 44 days

Interest free days

Up to 44 days

Interest free days

Up to 44 days

Interest free days

Up to 44 days

Interest free days

Up to 44 days

Minimum credit limit

$500

Minimum credit limit

$500

Minimum credit limit

$6000

Minimum credit limit

$500

Minimum credit limit

$6000

Minimum credit limit

$500

Minimum credit limit

$6000

Minimum credit limit

$6000

Rewards
Earning points

No rewards

Earning points

No rewards

Earning points

No rewards

Earning points

American Express1 point per dollar
MasterCard0.5 point per dollar3

Earning points

American Express1.5 points per dollar
Visa0.5 point per dollar3

Earning points

American Express 1 points per dollar
Visa0.5 point per dollar2

Earning points

American Express1.5 points per dollar
Visa0.5 point per dollar2

Earning points

Visa1 point per dollar7

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Point cap per statement period

No rewards

Point cap per statement period

No rewards

Point cap per statement period

No rewards

Point cap per statement period

$20,0003

Point cap per statement period

$25,0003

Point cap per statement period

$20,000

Point cap per statement period

$20,000

Point cap per statement period

$20,000

Save on frequent flyer's membership

No rewards

Save on frequent flyer's membership

No rewards

Save on frequent flyer's membership

No rewards

Save on frequent flyer's membership

Save $89.50

Save on frequent flyer's membership

Save $89.50

Save on frequent flyer's membership

No joining fee

Save on frequent flyer's membership

No joining fee

Save on frequent flyer's membership

No joining fee

Insurances
no
no
yes
no
yes
no
yes
yes
no
no
yes
no
yes
no
yes
yes
no
no
yes
no
yes
no
yes
yes
no
no
yes
no
yes
no
yes
yes
no
no
yes
no
yes
no
yes
yes
no
no
yes
no
yes
no
yes
yes
no
yes
yes
yes
yes
yes
yes
yes

Optional NAB Credit Card Cover4

yes

Optional NAB Credit Card Cover4

yes

Optional NAB Credit Card Cover4

yes

Optional NAB Credit Card Cover4

yes

Optional NAB Credit Card Cover4

yes

Optional NAB Credit Card Cover4

yes

Optional NAB Credit Card Cover4

yes

Optional NAB Credit Card Cover4

yes
Lifestyle and Entertainment Benefits
NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

MasterCard Priceless Cities
American Express Connect

Shopping, dining, travel & entertainment offer

Visa Entertainment
American Express Connect

Shopping, dining, travel & entertainment offer

Visa Entertainment
American Express Connect

Shopping, dining, travel & entertainment offer

Visa Entertainment
American Express Connect

Shopping, dining, travel & entertainment offer

Visa Entertainment

Security
NAB Defense

NAB Defense

NAB Defense

NAB Defense

NAB Defense

NAB Defense

NAB Defense

NAB Defense

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Using Your Card

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Additional cardholder6

yes

Additional cardholder6

yes

Additional cardholder6

yes

Additional cardholder6

yes

Additional cardholder6

yes

Additional cardholder6

yes

Additional cardholder6

yes

Additional cardholder6

yes

Important information

#Special offer

Offer commences 2 May 2016. Terms, conditions, fees, charges and lending criteria apply. For new approved personal credit card applicants. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB card offer. The NAB Velocity Rewards Card Frequent Flyer bonus Points is not available with the NAB Home Loan 250,000 Velocity Frequent Flyer offer. The special promotion must be applied for at the point of full card application. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Minimum monthly repayments must be made by the due date each month. The special purchase rate and balance transfer rate will apply for a 15 month statement period from account opening. After the promotional period, your card’s standard purchase rate applies (subject to change) see www.nab.com.au.

^Bonus Points

To be eligible for the Bonus Points offer, you must apply for a new NAB Velocity Rewards Card and NAB Velocity Rewards Premium Card, be approved, and make an everyday purchase within 90 days of opening your account. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. NAB may vary or end this offer. Points will be credited to the qualifying members account within 3 months of meeting the spend criteria. Offer is not available in conjunction with the NAB Home Loans Velocity 250,000 Velocity Frequent Flyer offer.

To be eligible for the Bonus points offer, you must apply for a new NAB Qantas Rewards Premium Card and NAB Qantas Rewards Card, be approved, and make an everyday purchase within 90 days of opening your account. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. NAB may vary or end this offer. Points will be credited to the qualifying members account within 3 months of meeting the spend criteria.

Important information if you apply for a NAB Home Loan between 2 May and 31 July 2016.

This offer is not available in conjunction with any other offer, including the NAB 250,000 Home Loan Velocity Frequent Flyer Points offer. If you apply for a new NAB Velocity Rewards Premium Card, your 20,000 NAB Velocity Rewards Card bonus points will be awarded within 90 days of meeting the eligibility criteria. If you also apply for a NAB Home Loan between 2 May and 31 July 2016 and meet the eligibility criteria for the NAB 250,000 Home Loan Velocity Frequent Flyer Points offer, you will only receive 230,000 bonus Velocity Points (meaning that in total you will receive 250,000 bonus Velocity Frequent Flyer Points).

If you apply for a new NAB Velocity Rewards Card, your 10,000 NAB Velocity Rewards Card bonus points will be awarded within 90 days of meeting the eligibility criteria. If you also apply for a NAB Home Loan between 2 May and 31 July 2016 and meet the eligibility criteria for the NAB 250,000 Home Loan Velocity Frequent Flyer Points offer, you will only receive 240,000 bonus Velocity Points (meaning that in total you will receive 250,000 bonus Velocity Frequent Flyer Points).

1Interest free days

If you pay your account in full by the due date each month. You won’t receive interest free days while you have a balance transfer.

2Velocity Points

To earn Points, you must be a member of the Velocity Frequent Flyer program and have provided your valid Velocity Membership Number to NAB. Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions as amended from time to time. The Velocity Frequent Flyer program is operated by Velocity Frequent Flyer Pty Ltd ACN 601 408 824. Points are capped at $20,000 spend per statement period.

3Qantas Points

NAB Qantas Rewards Premium Card

Qantas Points will be allocated on a tiered basis over each statement period. First on your NAB Qantas Rewards Premium American Express spend, then on your NAB Qantas Rewards Premium Visa Card. Points are capped at $25,000 spend per statement period.

NAB Qantas Rewards Card

Qantas Points will be allocated on a tiered basis over each statement period. First on your NAB Qantas Rewards American Express spend, then on your NAB Qantas Rewards MasterCard. Points are capped at $20,000 spend per statement period.

4Insurances

A qualifying purchase is required to get the benefits of the complimentary insurance. See terms, conditions and exclusions of the complimentary insurances are specified in the NAB Card Insurance Policy Information booklet (PDF, 391KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 924KB) and may be amended. The complimentary insurances is issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 to NAB. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth).

5Concierge Services

This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Platinum Concierge Service terms and conditions (PDF, 234KB) for full details.

6Additional cardholder

Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.

7flybuys points

To collect flybuys points you must be a member of the flybuys program and have provided your valid membership number to NAB. Standard flybuys terms and conditions and flybuys Privacy Policy apply. Visit flybuys.com.au for details. The flybuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334. Points are capped at $20,000 spend per statement period.

American Express

American Express and American Express Safekey are registered trademarks of American Express. NAB American Express Cards are issued by National Australia Bank pursuant to a licence from American Express.

MasterCard

MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Priceless Cities and SecureCode are trademarks of MasterCard International Incorporated.

Forms and Links

NAB Credit Card Terms and Conditions (PDF, 455KB)

Velocity NAB Credit Card account – Velocity Points Terms and Conditions (PDF, 255KB)

NAB electronic banking (card based) Product disclosure statement (PDF, 324KB)

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 130KB)

Personal banking fees – A guide to fees and charges (PDF, 318KB)

Indicator rates for other personal lending

Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees, subject to change. Information, including interest rates and annual card fees, subject to change. Correct as at 2 May 2016.

Credit cards issued by National Australia Bank Limited.

©2016 National Australia Bank Limited ABN 12 004 044 937 AFSL & Australian Credit Licence 230686.