Credit card credit limits

Changing your credit card limit

If you use NAB Internet Banking you can lower your credit limit any time, or request an increase online. Open the Apply now menu and select Credit card credit limit. If you reduce your limit, the change is immediate.

If you don't use NAB Internet Banking, you might want to register now.

Or by downloading and completing the Credit card limit increase/decrease application (PDF, 311KB) and then return this:

  • in person at any NAB branch
  • by fax to 1300 363 689
  • by post to:

Consumer and Commercial Cards

Reply Paid 9992

Melbourne VIC 8060.

Otherwise you can request a new credit limit by calling us on 13 22 65 from 8am-7pm Monday-Friday or 9am-6pm on weekends (AEST/AEDT) . The number to call if you're overseas is +61 3 8641 9083.

We process limit reductions as soon as possible. If you request an increase, we'll assess your request and let you know in a few days.

How low can you go?

If you're lowering your credit limit, you can't go any lower than your current balance. You also can't go lower than:

  • Premium cards: $6,000
  • NAB flybuys Rewards Card: $6,000
  • Other cards: $500

We're ready to help you

Talk to an expert
Call 13 22 65

Mon-Fri 8am - 7pm (AEST/ADST)
Sat-Sun 9am - 6pm (AEST/ADST)