NAB Visa Mini

Important Information

1. Cash back is calculated as 0.5% of net purchases made during a statement period and is credited directly to your NAB Visa Mini Card account. Cash back to your account is capped at $10.00 per statement period. Purchases included in the cash back calculation are described in the terms and conditions which are available on application or you can download the National Cash Back Terms and Conditions here. 
2. Annual card fee and interest rates are subject to change. Correct as at 24 February 2009. View full details of fees and charges.
3. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers cheques). Up to 55 days interest free on purchases if you pay your account in full by the due date each month.  
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. 5.9%p.a. will apply to any balance transfer amount for the period from the time the balance transfer is made to your account for six complete monthly statement periods, unless the balance transfer amounts are paid off earlier. These balance transfer amounts are designated cash advances for the purposes of the terms and conditions applicable to your credit card account. If at the end of the six month statement period applicable to any balance transfer amount any portion of that balance transfer amount is owing, that amount will attract interest at the NAB Visa Mini Card (Cash Advance) Indicator Rate (as advertised from time to time) then applicable to your NAB Credit Card account. This rate is currently 18.99%p.a. (as at 24 February 2009) and is subject to change. A payment to your NAB Credit Card account under this Special Promotion will be applied to the balance transfer amounts (designated cash advances) before any other cash advance or purchase amounts. The terms and conditions applicable to your credit card account set out in detail the order in which payments are applied. Please note the rate of 5.9%p.a. for up to six months on balance transfer amounts must be applied for at the point of full credit card application. The rate of 5.9%p.a. for up to six months on balance transfer amounts will appear separately on your NAB Credit Card statement and only applies to balance transfers from non-NAB credit card (or store) accounts.
6. The NAB Visa Mini Card must not be used in terminals that require full card insertion, such as ATMs, dip terminals or in a manual imprinter. The standard size companion card issued with a NAB Visa Mini account should be used wtih these devices.
7. Terms and conditions apply and are available upon registration for the service. Fees and charges may be payable.
8. These added travel benefits are provided by Visa International and neither National Australia Bank Limited ABN 12 004 044 937 nor any other company in the National Australia Bank Group guarantees or accepts liability in respect to Visa Global Customer Assistance Services.

Other Important Information
Approval is subject to NAB's credit assessment criteria. Terms and conditions are available on application or for download here. Fees and charges apply.

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.