With our lowest annual fee, you'll have more to spend on what you want, with the NAB Low Fee credit card.
* Special offer
Offer commences 3 October 2016. For approved applicants who apply for a new NAB Personal Credit Card by 22 January 2017. The special purchase and balance transfer interest rate will apply for a 15 month statement period from account opening. After the promotional period, any unpaid purchases will then attract your card’s standard purchase rate and any unpaid balance transfers will attract the standard cash advance rate. Interest rates are subject to change and available at www.nab.com.au. Special promotion balance transfer must be applied for at the point of full card application. The one off balance transfer fee of 3% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.
^ Balance transfer standard rate
At the end of this period, any unpaid balances will then attract the standard cash advance rate (subject to change), see www.nab.com.au. Interest free days do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month.
2 Interest free days
If you pay your account in full by the due date each month. You won’t receive interest free days if you have a balance transfer. After the special offer period (i) any unpaid balance will attract your cards standard interest rate for purchases; and (ii) interest free 44 day period will only apply if you pay your account in full by the due date each month and you don't have an outstanding balance.
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).
4 Additional 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.
Fees and charges
Terms and conditions available here. 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. Correct as at 3 October 2016. Credit cards issued by National Australia Bank Limited. ©2016 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.
Forms and links
Credit cards issued by National Australia Bank Limited. © 2015 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.