0% p.a. on balance transfers for 24 months with a one off 2.5% balance transfer fee

Apply by 30 April 2016. Not available in conjunction with any other offer#.

Rates and fees

  • 13.99

    purchase interest rate

  • 21.74

    cash advance rate

  • 4.99

    balance transfer rate (up to 6 months)1

  • 59

    annual card fee

More rates and fees information

Benefits and features

Save on interest

  • Enjoy our lowest everyday purchase rate.

Have more time to pay

  • Get up to 55 days interest free if you pay your full closing balance by the due date each month2.

Make quick, secure purchases

Enjoy special offers with Visa


Other features

  • Add a loved one as an additional cardholder at no extra cost. Just remember you’re still responsible for the card3.

Before you apply

It takes 10 minutes to complete

Get a response in 60 seconds.

New to NAB? Avoid branch queues and verify your ID online.

Get your card within 5-7 working days if approved.

Important information

# Offer commences 12 October 2015. The one off balance transfer fee of 2.5% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed.

1 The balance transfer rate will apply for a 6 month statement period from account opening. Any unpaid balance transfer will then attract your card's standard interest rate for purchase.

2 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.

3 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 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. View Indicator rates for other personal lending. Correct as at 7 December 2015.

NAB Credit Card Terms and Conditions (PDF, 1.1MB)

NAB electronic banking (card based) Product disclosure statement (PDF, 303KB)

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

Personal banking fees – A guide to fees and charges (PDF, 338KB)

Addendum – Personal banking fees – Amendment to A guide to fees and charges (PDF, 226KB)

Indicator rates for other personal lending

Credit cards issued by National Australia Bank Limited. © 2015 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

Apply now for your NAB Low Rate Card

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