Compare credit cards

  • A low rate & fees
  • Travel Perks
    ?
  • Rewards
    ?
    ?
  • Our different cards have different features. For the best results, select up to 3 features.

NAB Low Rate Card NAB Low Fee Card NAB Premium Card NAB flybuys Rewards Card NAB Qantas Rewards Card NAB Qantas Rewards Premium Card NAB Velocity Rewards Card NAB Velocity Rewards Premium Card
Card Information
Coin Icon

Special Offers

Special Offers

0 % p.a.
on purchases
for 12 months.

Apply now

Apply by 31 July 2014*

$0
annual fee
for the first year.

Apply now

Apply by 31 July 2014. Online only offer*

0 % p.a.
on balance transfers
for 15 months.2

Apply now

Apply by 31 July 2014. Online only offer.*

10,000
bonus Flybuys Points.

Apply now

Apply by 31 July 2014. Online only offer*

20,000
bonus Qantas Points.

Apply now

Apply by 31 July 2014 and make a purchase. Online only offer.*

40,000
bonus Qantas Points.

Apply now

Apply by 31 July 2014 and make a purchase. Online only offer.*

20,000
bonus Velocity Points.

Apply now

Apply by 31 July 2014 and make a purchase. Online only offer.*

40,000
bonus Velocity Points.

Apply now

Apply by 31 July 2014 and make a purchase. Online only offer.*

Star Icon

Features

Features

A low rate

A great balance transfer

A low fee

A great balance transfer

Purchase protection insurance

A great balance transfer

Travel insurance

Extended warranty insurance

Purchase protection insurance

Travel insurance

A great balance transfer

flybuys

Extended warranty insurance

Purchase protection insurance

Frequent Flyer

A great balance transfer

Purchase protection insurance

Frequent Flyer

Travel insurance

A great balance transfer

Extended warranty insurance

Purchase protection insurance

Frequent Flyer

A great balance transfer

Purchase protection insurance

Frequent Flyer

Travel insurance

A great balance transfer

Extended warranty insurance

Purchase protection insurance

Credit Card Icon

Type of card available

Type of Cards Available
Visa
Visa Mastercard
Visa Mastercard
Visa
Mastercard Amex
Visa Amex
Visa Amex
Visa American Express
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Rates, fees and limits

Annual card fee1

Annual card fee1

$59

Annual card fee1

$30

Annual card fee1

$90

Annual card fee1

$65

Annual card fee1

$65

Annual card fee1

$250

Annual card fee1

$65

Annual card fee1

$150

Interest rate (purchases)1

Interest rate (purchases)1

13.99% p.a.

Interest rate (purchases)1

19.74%p.a.

Interest rate (purchases)1

19.74%p.a.

Interest rate (purchases)1

19.99%p.a.

Interest rate (purchases)1

19.99%p.a.

Interest rate (purchases)1

19.99%p.a.

Interest rate (purchases)1

19.99%p.a.

Interest rate (purchases)1

19.99%p.a.

Interest rate (cash advances)1

Interest rate (cash advances)1

21.74%p.a.

Interest rate (cash advances)1

21.74%p.a.

Interest rate (cash advances)1

21.74%p.a.

Interest rate (cash advances)1

21.74%p.a.

Interest rate (cash advances)1

21.74%p.a.

Interest rate (cash advances)1

21.74%p.a.

Interest rate (cash advances)1

21.74%p.a.

Interest rate (cash advances)1

21.74%p.a.

Interest-free days on purchases3

Interest-free days on purchases3

Up to 55

Interest-free days on purchases3

Up to 44

Interest-free days on purchases3

Up to 44

Interest-free days on purchases3

Up to 44

Interest-free days on purchases3

Up to 44

Interest-free days on purchases3

Up to 44

Interest-free days on purchases3

Up to 44

Interest-free days on purchases3

Up to 44

Minimum credit limit

Minimum credit limit

$500.00

Minimum credit limit

$500.00

Minimum credit limit

$6,000.00

Minimum credit limit

$6,000.00

Minimum credit limit

$500.00

Minimum credit limit

$6,000.00

Minimum credit limit

$500.00

Minimum credit limit

$6,000.00

Balance transfer rate2

Balance transfer rate2

4.99% for 6 months

Balance transfer rate2

4.99% for 6 months

Balance transfer rate2

4.99% for 6 months

Balance transfer rate2

4.99% for 6 months

Balance transfer rate2

4.99% for 6 months

Balance transfer rate2

4.99% for 6 months

Balance transfer rate2

4.99% for 6 months

Balance transfer rate2

4.99% for 6 months

Down Arrow Icon

Rewards

Reward Program

Reward Program

N/A

Reward Program

N/A

Reward Program

N/A

Reward Program

flybuys5

10,000 flybuys BONUS POINTS.

Reward Program

Qantas Frequent Flyer Program7

Reward Program

Qantas Frequent Flyer Program7

Reward Program

Velocity Frequent Flyer6

Reward Program

Velocity Frequent Flyer6

Points earn rate12

Reward Program

N/A

Reward Program

N/A

Reward Program

N/A

Reward Program

1 point per $1

Reward Program

American Express: 1 point per $1

MasterCard: 0.5 points per $1

Reward Program

American Express: 1.5 points per $1

Visa: 0.5 points per $1

Reward Program

American Express: 1 point per $1

Visa: 0.5 points per $1

Reward Program

American Express: 1.5 points per $1

Visa: 0.5 points per $1

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Ways to pay

Additional cardholder at no extra cost4

Additional cardholder at no extra cost4

Tick

Additional cardholder at no extra cost4

Tick

Additional cardholder at no extra cost4

Tick

Additional cardholder at no extra cost4

Tick

Additional cardholder at no extra cost4

Tick

Additional cardholder at no extra cost4

Tick

Additional cardholder at no extra cost4

Tick

Additional cardholder at no extra cost4

Tick
Contactless Technology

Contactless Technology

Tick

Contactless Technology

Tick

Contactless Technology

Tick

Contactless Technology

Tick

Contactless Technology

Tick

Contactless Technology

Tick

Contactless Technology

Tick

Contactless Technology

Tick
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Extras

Complimentary Travel Insurance

Complimentary Travel Insurance

Cross

Complimentary Travel Insurance

Cross

Complimentary Travel Insurance

Tick8

Complimentary Travel Insurance

Tick8

Complimentary Travel Insurance

Cross

Complimentary Travel Insurance

Tick8

Complimentary Travel Insurance

Cross

Complimentary Travel Insurance

Tick8
Complimentary Extended Warranty Insurance8

Complimentary Extended Warranty Insurance8

Cross

Complimentary Extended Warranty Insurance8

Cross

Complimentary Extended Warranty Insurance8

Tick

Complimentary Extended Warranty Insurance8

Tick

Complimentary Extended Warranty Insurance8

Cross

Complimentary Extended Warranty Insurance8

Tick

Complimentary Extended Warranty Insurance8

Cross

Complimentary Extended Warranty Insurance8

Tick
Lost Card Cover available (application required)9

Lost Card Cover available (application required)9

Tick

(fee applies)

Lost Card Cover available (application required)9

Tick

(fee applies)

Lost Card Cover available (application required)9

Tick

(no fee for the first 12 months)

Lost Card Cover available (application required)9

Tick

(no fee for the first 12 months)

Lost Card Cover available (application required)9

Tick

(fee applies)

Lost Card Cover available (application required)9

Tick

(no fee for the first 12 months)

Lost Card Cover available (application required)9

Tick

(fee applies)

Lost Card Cover available (application required)9

Tick

(no fee for the first 12 months)

Purchase Protection Insurance8 & 10

Purchase Protection Insurance8 & 10

Cross

Purchase Protection Insurance8 & 10

Tick

Purchase Protection Insurance8 & 10

Tick

Purchase Protection Insurance8 & 10

Tick

Purchase Protection Insurance8 & 10

Tick

Purchase Protection Insurance8 & 10

Tick

Purchase Protection Insurance8 & 10

Tick

Purchase Protection Insurance8 & 10

Tick
Coin Icon

Special Offers

Special Offers

0 % p.a.
on purchases
for 12 months.

Apply now

Apply by 31 July 2014*

$0
annual fee
for the first year.

Apply now

Apply by 31 July 2014. Online only offer.*

0 % p.a.
on balance transfers
for 15 months.2

Apply now

Apply by 31 July 2014. Online only offer.*

10,000
bonus Flybuys Points.

Apply now

Apply by 31 July 2014. Online only offer.*

20,000
bonus Qantas Points.

Apply now

Apply by 31 July 2014 and make a purchase. Online only offer.*

40,000
bonus Qantas Points.

Apply now

Apply by 31 July 2014 and make a purchase. Online only offer.*

20,000
bonus Velocity Points.

Apply now

Apply by 31 July 2014 and make a purchase. Online only offer.*

40,000
bonus Velocity Points.

Apply now

Apply by 31 July 2014 and make a purchase. Online only offer.*

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 17 June 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 QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 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 QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 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.