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NAB Low Rate
NAB Low Rate
NAB Low Fee Card
NAB Premium Card
NAB  flybuys Rewards Card
NAB Qantas Card
NAB Qantas Platinum Card
NAB Velocity Rewards Card
Velocity NAB Gold Card
  NAB Low Rate Card - Balance Transfer Offer NAB Low Rate Card - Purchase Rate Offer NAB Low Fee Card - Balance Transfer Offer NAB Premium Card - Balance Transfer Offer NAB flybuys Rewards Card - Balance Transfer Offer NAB Qantas Rewards Card - Balance Transfer Offer NAB Qantas Rewards Premium Card - Balance Transfer Offer NAB Velocity Rewards Card - Balance Transfer Offer NAB Velocity Rewards Premium Card - Balance Transfer Offer

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Current offer Current offer Current offer Current offer Current offer Current offer Current offer Current offer Current offer

Description

Special offer: 0% p.a on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 2014* Special offer: 0% p.a on purchases for 6 months on a new NAB Low Rate Card. Apply by 30 April 2014* Special offer: 0% p.a on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 2014* Special offer: 0% p.a on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 2014* Special offer: 0% p.a on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 2014* Special offer: 0% p.a on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 2014* Special offer: 0% p.a on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 2014* Special offer: 0% p.a on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 2014* Special offer: 0% p.a on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 2014*

Type of card available

Visa Card Visa Card Visa Card or MasterCard Card Visa Card or MasterCard Card Visa Card Includes a NAB American Express Card and a MasterCard Card Includes a NAB American Express® Card and Visa Card Includes a NAB American Express® Card and Visa Card Includes a NAB American Express® Card and Visa Card

Rates, fees and limits

Annual card fee1

$59 $59 $30 $90 $65 $65 $250 $65 $150

Interest rate (purchases)1

13.99%p.a. 13.99%p.a.
Online only special offer: 0% p.a. on purchases for 6 months on a new NAB Low Rate Card. Apply by 30 April 2014.
19.49%p.a. 19.49%p.a. 19.49%p.a. 19.99%p.a. 19.99%p.a. 19.99%p.a. 19.99%p.a.

Interest rate
(cash advances)1

21.74%p.a. 21.74%p.a. 21.74%p.a. 21.74%p.a. 21.74%p.a. 21.74%p.a. 21.74%p.a. 21.74%p.a. 21.74%p.a.

Interest rate (balance transfer)

Special offer: 0% p.a. on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 20142 4.99% for up to 6 months2 Special offer: 0% p.a. on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 20142 Special offer: 0% p.a. on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 20142 Special offer: 0% p.a. on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 20142 Special offer: 0% p.a. on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 20142 Special offer: 0% p.a. on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 20142 Special offer: 0% p.a. on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 20142 Special offer: 0% p.a. on balance transfers for 15 months on new NAB credit cards. Apply by 30 April 20142

Interest-free days on purchases3

Up to 55 Up to 55 Up to 44 Up to 44 Up to 44 Up to 44 Up to 44 Up to 44 Up to 44

Minimum credit limit

$500.00 $500.00 $500.00 $6,000.00 $6,000.00 $500.00 $6,000.00 $500.00 $6,000.00

Ways to pay

Additional cardholder at no extra cost4

Yes Yes Yes Yes Yes Yes Yes Yes Yes

Contactless Technology

Yes Yes Yes Yes Yes Yes Yes Yes Yes

Rewards and extras

Reward program

N/A N/A N/A N/A FlyBuys5 Qantas Frequent Flyer Program7 Qantas Frequent Flyer Program7 Velocity Frequent Flyer6 Velocity Frequent Flyer6

Complimentary Travel Insurance

No No No Yes 9 Yes 9 No Yes 9 No Yes 9

Complimentary Extended Warranty Insurance

No No No Yes Yes No Yes 9 No Yes

Lost Card Cover available
(application required)9

Yes
(fee applies)
Yes
(fee applies)
Yes
(fee applies)
Yes
(no fee for the first 12 months)
Yes
(no fee for the first 12 months)
Yes
(fee applies)
Yes
(no fee for the first 12 months)
Yes
(fee applies)
Yes
(no fee for the first 12 months)

Purchase Protection Insurance9 & 10

No No Yes Yes Yes Yes Yes Yes Yes
  NAB Low Rate Card - Balance Transfer Offer NAB Low Rate Card - Purchase Rate Offer NAB Low Fee Card - Balance Transfer Offer NAB Premium Card - Balance Transfer Offer NAB flybuys Rewards Card - Balance Transfer Offer NAB Qantas Rewards Card - Balance Transfer Offer NAB Qantas Rewards Premium Card - Balance Transfer Offer NAB Velocity Rewards Card - Balance Transfer Offer NAB Velocity Rewards Premium Card - Balance Transfer Offer

 

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Important Information

Approval is subject to NAB's credit assessment criteria. Terms and conditions are available on application. Fees and charges apply.

  1. Annual card fee and interest rates are current as at 21 January 2014 and are subject to change. View full details of fees and charges.
  2. Your balance transfer will revert to the purchase interest rate applicable to your card as at the end of the balance transfer period. Interest free days do not apply while you have a balance transfer.
  3. Interest-free days on purchases, excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers' cheques). Interest-free days on purchases if you pay the statement closing balance in full, by the due date each month. Interest free days do not apply while you have a balance transfer.
  4. Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.
  5. 10,000 BONUS POINTS will be credited to your flybuys membership once an everyday purchase is made and processed to your NAB flybuys Rewards Card within 90 days of the date NAB opens your account. To earn points using your NAB flybuys Rewards Card, you must be a member of the flybuys Loyalty program and have provided NAB with a valid flybuys membership number. Link your card to your flybuys membership at no additional cost. Minimum thresholds and standard flybuys terms and conditions apply. Points are capped at $100,000 spent per statement period. For more information visit flybuys.com.au. The flybuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334.
  6. Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions as amended from time to time, and available online at velocityfrequentflyer.com. The Velocity Program is operated by Velocity Frequent Flyer Pty Ltd ACN 79 580 890 951 as trustee of The Loyalty Trust.  To earn points, you must be a member of the Velocity Frequent Flyer program and have provided your valid Velocity Membership Number to NAB.
  7. To earn Qantas Points using your NAB Qantas Credit Card Account, you must be a member of the Qantas Frequent Flyer program. A joining fee may apply. Complimentary Qantas Frequent Flyer membership (that is, membership without having to pay the usual $89.50 joining fee) is offered by NAB and available at qantas.com/joinffnab. Membership and Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. For more information visit qantas.com.au/terms.
  8. The complimentary insurances are issued to NAB by Chubb Insurance Company of Australia Limited ABN 69 003 710 647 AFSL 239778 for the benefit of the relevant NAB cardholders. The terms, conditions and exclusions of the complimentary insurances for the NAB Premium and NAB flybuys Rewards Cards are specified in the NAB Card Insurance Policy Information Booklet (PDF, 175KB), and may be amended. A qualifying purchase is required to get the benefits of the complimentary insurances.
  9. VIP Lost Card Cover membership is complimentary for the first 12 months, for NAB Premium and NAB flybuys Rewards cards. VIP Lost Card Cover and Lost Card Cover are provided by Secure Sentinel Pty Limited ABN 53 054 235 157 of 100 Arthur Street, NorthSydney NSW 2060. Terms, conditions and exclusions apply.
  10. The Complimentary Purchase Protection insurance is issued to NAB by Chubb Insurance Company of Australia Limited ABN 69 003 710 647 AFSL 239778 for the benefit of the relevant NAB cardholders. The terms, conditions and exclusions of the Purchase Protection insurance for the NAB Low Fee Card, Velocity NAB Visa Card and NAB Qantas Card are specified in the Purchase Protection Insurance Policy Document [PDF 167KB], and may be amended. A qualifying purchase is required to get the benefits of the complimentary insurances.
  11. Reward points can be earned on everyday purchases. Reward points are not earned on cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers' cheques) or balance transfers. Everyday purchases exclude transactions for gaming or gambling purposes.
  12. Points are capped at $100,000 spend per statement period. Points will be allocated on a tiered basis. Qantas cards: First on your NAB Qantas Rewards American Express Card spend, then on your NAB Qantas Rewards MasterCard® spend for the statement period. Velocity cards: First on your NAB Velocity Rewards American Express Card spend, then on your NAB Velocity Rewards Visa Card spend for the statement period.

*Offer not available in conjunction with any other offer.

Other Important Information

A credit card offers you great flexibility and convenience. But it's important to remember, like any debt, you will have to repay it. If you are unsure as to whether you will be able to manage repayments for a new credit card, then you should not consider taking up a NAB credit card at this point in time.

NAB has not taken into account your objectives, financial situation or needs and recommends that you consider whether this product is appropriate for your circumstances. NAB recommends you consider the Terms and Conditions or other disclosure document, available from NAB, before making any decision.© National Australia Bank Limited. ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

® American Express is a registered trademark of American Express. The NAB Qantas Rewards, NAB Qantas Rewards Premium, NAB Velocity Rewards and NAB Velocity Rewards Premium American Express Cards are issued by National Australia Bank pursuant to a license from American Express.

® MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. PayPass is the trademark of MasterCard International Incorporated.

Terms and conditions

Approval subject to NAB's credit assessment criteria. Fees and charges apply. Terms and conditions available here . Offer not available to NAB credit card customers transferring from another NAB credit card or to NAB staff under Employees Choice.