Balance transfers

Balance transfers are a good way to consolidate your debt and help you get some breathing space. Transferring a balance to NAB can get you a great transfer rate, so you pay less interest.

Apply with any NAB credit card

You can apply for a balance transfer with any of our credit cards. Use our balance transfer calculator to see how much each NAB credit card can save you.

If you know which card you want, find it on our credit card comparison table and click "Apply now".

Already got a NAB credit card?

You don't need to apply for a new credit card to transfer a balance.

More about balance transfers for existing NAB credit card customers

Information about Balance Transfers

Transfer as little as $200 from one or two cards

You can transfer balances from one or two non-NAB cards. Each amount needs to be at least $200.

What you need to know to apply

We'll ask you:

• who your current non-NAB credit card or store card is with
• the card number
• the amount you'd like to transfer onto your new NAB card.

Balance transfer rates last for a limited time

At the end of the balance transfer period any balance transfer amount that you haven't paid off shifts onto the purchase interest rate for your card.

See our current balance transfer rates and purchase interest rates in our credit card comparison table.

Balance transfer terms and conditions

Balance transfer terms and conditions

Important information

There are no interest-free days on purchases while you have a balance transfer.