Compare NAB credit cards
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| NAB Low Rate Visa Card | NAB Low Fee Card | NAB Gold Card | Velocity NAB Standard Card | Velocity NAB Gold Card | NAB Qantas Card | NAB Qantas Gold Card11 | NAB Qantas Platinum Card12 | ||
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Description |
2.99% p.a. on purchases for your first year. Apply by 1 April 2012. | Special Offer: 1% p.a. on balance transfers for up to 6 months. Apply by 1 April 2012. | Special Offer: 1% p.a. on balance transfers for up to 12 months. Apply by 1 April 2012. | A great way to keep your Velocity Points ticking over. | Accelerate your Velocity Points and enjoy the extra priveleges of a Gold card. | Maximise your Qantas Frequent Flyer points from everyday purchases. | Use your Qantas Frequent Flyer points on a wide range of rewards. | With no cap on the number of points you can earn, your points earning power is unlimited! | |
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Type of card available |
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Rates, fees and limits |
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Annual card fee1 |
$59 | $30 | $90 | $65 | $150 | $65 | $145.50 | $290 | |
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Interest rate (purchases)1 |
13.24%p.a. 2.99% purchase offer. Find Out More. |
19.74%p.a. | 19.74%p.a. | 20.24%p.a. | 20.24%p.a. | 20.24%p.a. | 20.24%p.a. | 20.24%p.a. | |
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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. | |
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Interest rate (balance transfer) |
4.99%p.a. for up to 6 months2 | 4.99%p.a. for up to 6 months2 1% Balance Transfer offer. Find Out More. |
4.99%p.a. for up to 6 months2 1% Balance Transfer offer. Find Out More. |
4.99%p.a. for up to 6 months2 | 4.99%p.a. for up to 6 months2 | 4.99%p.a. for up to 6 months2 | 4.99%p.a. for up to 6 months2 | 4.99%p.a. for up to 6 months2 | |
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Interest-free days on purchases3 |
Up to 55 | Up to 44 | Up to 44 | Up to 44 | Up to 44 | Up to 44 | Up to 44 | Up to 44 | |
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Minimum credit limit |
$500.00 | $500.00 | $5,000.00 | $500.00 | $5,000.00 | $500.00 | $5,000.00 | $12,000.00 | |
Ways to pay |
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Additional cardholder at no extra cost4 |
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NAB Visa payWave |
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13 |
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13 |
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Rewards and extras |
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Reward program |
N/A | FlyBuys5 | FlyBuys5 | Velocity Frequent Flyer6 | Velocity Frequent Flyer6 | Qantas Frequent Flyer Program7 | Qantas Frequent Flyer Program7 | Qantas Frequent Flyer Program7 | |
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Complimentary Travel Insurance |
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8 |
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Complimentary Extended Warranty Insurance |
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8 |
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Lost Card Cover9 |
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(VIP) |
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(VIP) |
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(VIP) |
(VIP) |
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Purchase Protection Insurance8 & 10 |
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| NAB Low Rate Visa Card | NAB Low Fee Card | NAB Gold Card | Velocity NAB Standard Card | Velocity NAB Gold Card | NAB Qantas Card | NAB Qantas Gold Card11 | NAB Qantas Platinum Card12 | ||
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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.
- Annual card fee and interest rates are subject to change. Correct as at 10 January 2012. View full details of fees and charges.
- Your balance transfer will revert to the purchase indicator rate at the end of the balance transfer period. Interest free days do not apply while you have a balance transfer.
- 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 your account in full by the due date each month.
- Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.
- Link your card to your FlyBuys membership at no additional cost. Minimum thresholds and standard FlyBuys terms and conditions apply. The FlyBuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334
- Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions as amended from time to time, and available online at velocityrewards.com.au (opens in new window). The Velocity Program is operated by Velocity Frequent Flyer Pty Ltd ACN 116 089 448 as trustee of The Loyalty Trust.
- To earn points using your NAB Qantas Credit Card Account, you must be a member of the Qantas Frequent Flyer program. A joining fee applies. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. For more information visit qantas.com/frequentflyer (opens in new window).
- This is only a brief summary of the benefits, limits of cover and exclusions may apply. National Australia Bank Limited has obtained NAB Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Domestic Hotel Burglary Insurance, Purchase Protection Insurance, Extended Warranty Insurance and Price Protection Insurance by Chubb Insurance Company of Australia Limited ABN 69 003 710 647 AFSL No. 239778. The benefits of NAB Overseas Travel Insurance, Interstate Flight Inconvenience Travel Insurance, Transport Accident Insurance, Domestic Hotel Burglary Insurance, Purchase Protection Insurance, Extended Warranty Insurance, and Price Protection Insurance are extended to NAB Gold and Platinum cardholders. The terms, conditions and exclusions for these insurances are specified in the NAB Card Insurance Policy Information Booklet and may be amended from time to time. This overseas assistance service is subject to the terms and conditions of the NAB Card Insurance Policy Information Booklet. Please read the entire Policy Information Booklet to ensure it meets your requirements. For more information please call 1800 788 566 or visit nab.com.au
- Lost Card Cover is provided for NAB Low fee Cards, NAB Low Rate Visa Card, and Velocity NAB Standard Cards cardholders. A membership fee applies. VIP Lost Card Cover is provided for NAB Gold Cards, Velocity NAB Gold Cards, NAB Qantas Cards, NAB Qantas Gold Cards and NAB Qantas Platinum Cards cardholders. VIP Lost Card Cover membership is complimentary for the first 12 months, for the Gold and Platinum cards detailed. VIP Lost Card Cover and Lost Card Cover are provided by Secure Sentinel Pty Limited ABN 53 054 235 157 of 100 Arthur Street, North Sydney NSW 2060. Terms, conditions and exclusions apply.
- This is only a brief summary of the benefits and exclusions may apply. Purchase Protection Insurance for NAB Low Fee Cards, Velocity NAB Visa Cards, and NAB Qantas Card cardholders is issued by Chubb Insurance Company of Australia Limited ABN 69 003 710 647 AFSL No. 239778. The terms, conditions and exclusions of Purchase Protection Insurance are specified in the Purchase Protection Insurance Policy Document [PDF 167kb] (opens in a new window) and may be amended from time to time
- Applicants require gross income of $50,000 p.a. or more.
- Applicants require gross income of $65,000 p.a. or more.
- NAB Visa payWave is only available on the Visa Card
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.
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