0% p.a. on purchases & balance transfers

for 15 months*
on new NAB Personal Credit Cards
3% BT fee. BT reverts to cash advance rate.
*Apply by 22 January 2017. Minimum monthly repayment are required. See Important Information.

Find the right card for you

Answer a few simple questions to find out which credit card is best for you.

Thinking of a balance transfer?

Find out more about balance transfers or use the balance transfer calculator to see how much you could save.

NAB cardholder?

Report a lost or stolen card
Increasing your credit limit
Going overseas
Adding additional cardholder – here’s how

SPECIAL OFFER! for 15 months#

0 % p.a. on purchases

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

Annual card fee $30

Minimum credit limit $500

SPECIAL OFFER! for 15 months#

0 % p.a. on purchases

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

Annual card fee $90

Minimum credit limit $6000

SPECIAL OFFER! for 15 months#

0 % p.a. on purchases

0 % p.a. on balance transfers with a one off 3% BT fee

Annual card fee $100

Minimum credit limit $6000

SPECIAL OFFER! for 15 months#

0 % p.a. on purchases

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

Annual card fee $59

Minimum credit limit $500

SPECIAL OFFER! for 15 months#

0 % p.a. on purchases

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

20,000 Bonus Velocity Points when you make an everyday purchase within 90 days^

Velocity points

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

Annual card fee $150

Minimum credit limit $6000

SPECIAL OFFER! for 15 months#

0 % p.a. on purchases

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

10,000 Bonus Velocity Points when you make an everyday purchase within 90 days^

Velocity points

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

Annual card fee $95

Minimum credit limit $500

SPECIAL OFFER! for 15 months#

0 % p.a. on purchases

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

20,000 Bonus Qantas Points when you make an everyday purchase within 90 days^

Qantas points

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

Annual card fee $250

Minimum credit limit $6000

SPECIAL OFFER! for 15 months#

0 % p.a. on purchases

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

10,000 Bonus Qantas Points when you make an everyday purchase within 90 days^

Qantas points

American Express1 point per dollar
Visa0.5 point per dollar3

Annual card fee $95

Minimum credit limit $500

SPECIAL OFFER! for 15 months#

0 % p.a. on purchases

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

flybuys points

Visa1 point per dollar7

Annual card fee $95

Minimum credit limit $6000

All NAB Credit Cards come with these great benefits

Fraud protection

NAB Defence detects fraudulent transactions. If fraud occurs, we’ll give back all your money.

Online security

Verified by Visa reduces online fraud by confirming your identity with a password.

Another card?

Add an additional cardholder at no extra cost.1

Emergency assistance

We’re here for you 24/7 if your credit card is lost or stolen.

Contactless payments

Make payments under $100 by tapping your credit card.

Tools and calculators

See how much you could save
Transfer your credit card balance

%

Please enter valid interest rate between 0.00 and 100.00

$

Please enter valid amount higher than 200

Why do a balance transfer?

Balance transfers are one way to consolidate your debt and give yourself some breathing space. By transferring a balance to NAB, you'll benefit from a transfer rate where you'll pay less interest.

Over 12 months you could save

$

Special offer! On a new NAB Velocity Rewards Premium card

0 %
P.A.
on purchases For 15 MONTHS#

&

0 %
P.A.
on balance transfers with a one off 2% balance transfer fee For 15 MONTHS#

20 ,000
Bonus Velocity Points when you make an everyday purchase within 90 days#

CALCULATOR INFORMATION

The Balance Transfer Calculator estimates the amount you may be able to save by transferring to a NAB product. We’ll leave you to put in the amount you’re thinking of transferring and your current product’s purchase rate.

Of course, any request by you to transfer this amount will be subject to our assessment of your credit application. So keep in mind, you may not be eligible for a balance transfer for the full amount on your existing cards.

Calculator Assumptions

Interest rate

The interest rate displayed is our current balance transfer promotional interest rate.

We’ve also displayed our current promotional purchase interest rate.

All rates displayed are per annum.

Fees

This calculator only takes into account your current product’s purchase interest rate. You’ll also need to consider what other fees and charges apply to your current card and any discounts, or promotional offers, to assess any savings.

The estimated savings also do not take into account any fees applicable to your new NAB product, including any balance transfer fee that may apply. So to more accurately assess any savings you’ll need to read the product webpages on this site and understand what fees and charges will apply.

Monthly repayments

The estimated savings assumes that during the promotional period you make no cash advances and make the minimum monthly repayments each month required under the terms and conditions.

YOU MIGHT ALSO BE INTERESTED IN

NAB Credit Card Cover2 helps with your credit card repayments in case of unexpected changes to your circumstances.

Find out more

Borrow from $5,000 to $55,000 for almost anything you’re into with a NAB Personal Loan.

Find out more

We also have a great range of business credit cards to suit your business needs.

Find out more

Important information

* 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. The NAB Velocity Rewards Card Frequent Flyer bonus points, is not available with the NAB Home Loan 250,000 Velocity Frequent Flyer offer.

# Bonus Points

To be eligible for the Bonus points offer, you must apply for a new NAB Velocity Rewards Card or a NAB Velocity Premium Rewards by 22 January 2017, 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.

To be eligible for the Bonus points offer, you must apply for a new NAB Qantas Rewards Card or a NAB Qantas Premium Rewards by 22 January 2017, 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 31 July and 31 December 2016.
This offer is not available in conjunction with any other offer, including the NAB 250,000 Velocity Frequent Flyer Points offer. If you apply for a new NAB Velocity Rewards Card, your 25,000 NAB Velocity Rewards Premium Card bonus points will be awarded within 3 months of meeting the eligibility criteria. If you also apply for a NAB Home Loan between 31 July and 31 December 2016 and meet the eligibility criteria for the NAB 250,000 Velocity Frequent Flyer Points offer, you will only receive 225,000 bonus Velocity Points (meaning that in total you will receive 250,000 bonus Velocity Frequent Flyer Points). If you apply for a NAB Home Loan and are awarded the 250,000 Velocity Points, you will not receive the 25,000 bonus Velocity Points as part of the cards offer.

1Additional 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.

2NAB Credit Card Cover

MLC Limited ABN 90 000 000 402, AFSL 230694 is the insurer and issuer of NAB Credit Card Cover which has been branded and distributed by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB). MLC Limited may pay benefits to NAB and its related bodies corporate for the distribution of this product. This insurance is not a deposit with, a liability of, or guaranteed by NAB. MLC Limited is part of the Nippon Life Insurance Group and not a part of the NAB Group of Companies. Any financial advice in this notice is general only and has not been prepared having regard to your personal circumstances. You should consider your personal circumstances before acting on any advice in this notice. You should obtain a copy of the NAB Credit Card Cover Product Disclosure Statement & Policy Document (PDF, 368KB) and consider it before making a decision whether to acquire this insurance.

Complimentary Insurance

A qualifying purchase is required to get the benefits of the complimentary insurances. 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 are issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 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).

American Express

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

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 & Australian Credit Licence 230686.