NAB Credit Cards | Exclusive offers - NAB

Our latest offers selected for you

Simply choose the offers that are right for you, and apply now.

Low rate

Low interest rate credit card offers

Your choice of offers to suit your credit needs, select either our promotional balance transfer offer or our cashback offer. May suit if you are not likely to pay off your closing balance in full every month.

NAB Low Rate Card balance transfer offer

Enjoy our promotional balance transfer offer for 26 months.

Minimum credit limit

$1,000

Annual card fee

$ 99 p.a.

Variable purchase rate

13.49 % p.a.

From 1 October 2026, this will be 13.99%.

Benefits

  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • Complimentary mobile phone insurance

  • Special offers with Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies
Considerations

  • You won’t earn rewards points.
Offer

0% p.a. on balance transfers for 26 months with 3% BT fee, plus no annual fee for the first year

  • Enjoy 0% p.a. on balance transfers for 26 months on a new NAB Low Rate Card. 3% BT fee applies. Unpaid BT reverts to the variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Enjoy no annual fee for the first year, reverting to $99 p.a. from the second year.

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NAB Low Rate Card cash back offer

Enjoy $400 cashback, plus no annual fee for the first year.

Minimum credit limit

$1,000

Annual card fee

$ 99 p.a.

Variable purchase rate

13.49 % p.a.

From 1 October 2026, this will be 13.99%.

Benefits

  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • Complimentary mobile phone insurance

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies
Considerations

  • You won’t earn rewards points.
Offer

 $400 cashback, plus no annual fee for the first year

  • $400 cashback when you spend $5,000 on purchases within 150 days from account opening.

  • Enjoy 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Enjoy no annual card fee for the first year (fee reverts to $99 in year two).

Purchases must be processed and charged to your account in the 150 day period from account opening to count towards the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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Low annual fees

Low annual fee credit cards

May suit you if you want a low fee card, with a choice of standard or platinum benefits.

NAB Low Fee Card

Our no frills credit card.

Minimum credit limit

$1,000

Annual card fee

$ 49 p.a.

Variable purchase rate

20.99 % p.a.

From 1 October 2026, this will be 22.49%.

Benefits

  • Our lowest annual fee card

  • Purchase Protection Insurance on personal items for loss, theft, or accidental damage

  • Complimentary mobile phone insurance

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies
Considerations

  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card
Offer

Enjoy $350 cashback

  • $350 cashback when you spend $1,500 on purchases within 90 days from account opening.

  • $0 annual card fee for the first year, reverting to $49 p.a. from the second year.

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Rewards

NAB Qantas Rewards credit cards

Suitable for earning Qantas Rewards Points for flights, products and more.

NAB Qantas Rewards Premium Card

Earn Qantas Points and enjoy platinum services and complimentary insurances.

Minimum credit limit

$3,000

Annual card fee

$ 295 p.a.

Variable purchase rate

20.99 % p.a.

From 1 October 2026, this will be 22.49%.​

Benefits

  • Complimentary insurances

  • Free Qantas Frequent Flyer membership (a saving of $99.50).

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies
Considerations

  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card

  • Lower points earn per dollar compared to our NAB Qantas Signature Card.
Earning Qantas Points until 30 September 2026​

  • Earn 1 Qantas point per $1.50 up to $3,000 on everyday purchases on your Visa Card

  • Earn 1 Qantas point per $3 from $3,001 to $6,000 on everyday purchases on your Visa Card

Earning Qantas Points from 1 October 2026​​

  • 1 Qantas Point per $2 ​​for the first $3,000 (capped) ​per statement period.

  • 1 Qantas Point per $4 ​​for the next $3,001 to $6,000 (capped) per statement period.​

  • 1 bonus Qantas Point per $2 ​​for International Spend (uncapped) per statement period.​
Offer

Up to 100,000 bonus Qantas Points, $150 cashback, and $100 saving on your annual card fee for the first year

  • 60,000 bonus points and $150 cashback when you apply for a NAB Qantas Rewards Premium Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening and 40,000 bonus points when you keep your card for over 12 months.

  • Enjoy a $100 reduction in annual card fee (from $295 to $195) for the first year.

Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Qantas Rewards Credit Card in the last 24 months.

Minimum spend of $3,000 in first 90 days required to earn Bonus Points.

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NAB Rewards credit cards

Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more.

NAB Rewards Platinum Card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances.

Minimum credit limit

$3,000

Annual card fee

$ 195 p.a.

Variable purchase rate

20.99 % p.a.

​From 1 October 2026, this will be 22.49%.

Benefits

  • Complimentary insurances 

  • Earn up to 2 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies
Considerations

  • Higher interest rates compared to our NAB Low Rate Card

  • Lower point earn rate compared to our NAB Rewards Signature Card.

  • Higher annual fee compared to some of our other cards.
Earning NAB Rewards Points until 30 September 2026

  • Earn 1 NAB Rewards Point for every $1 spent on everyday purchases.

  • Earn 1.5 NAB Rewards Points for every $1 on purchases made at eligible Grocery stores

  • Earn 2 NAB Rewards Points for every $1 spent with Webjet

Earning NAB Rewards Points from 1 October 2026

  • Earn 1.25 NAB Rewards Points for every $1 spend on eligible purchases up to $5,000 Rewards Statement Period (calendar month), then 0.5 NAB Rewards Points for every $1 spend, uncapped​.

  • Earn 0.75 bonus NAB Rewards Points for every $1 spend on eligible purchases for Groceries, Petrol and Public Transport (uncapped).
Offer

 Up to 100,000 bonus NAB Rewards Points and $100 saving on your annual card fee for the first year

  • 80,000 bonus points when you apply for a NAB Rewards Platinum Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening and 20,000 bonus points when you keep your card for over 12 months.

  • Enjoy a reduced annual card fee (from $195 to $95) for the first year.

Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Rewards Credit Card in the last 24 months.

Minimum spend of $3,000 in first 90 days required to earn Bonus Points.

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NAB credit card benefits and features

Digital wallet pay

Pay with the smartphones and wearables you already own and use everyday with our digital payment options.

Fraud protection

Fraud protection and online security so you can enjoy peace of mind with all your purchases.

24/7 Emergency assistance

If your card is lost or stolen, you can block it via the NAB app or call us any time.

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment.

NAB credit card eligibility

To apply for a NAB credit card, you must be:

  • 18 years or older

  • Receiving a regular income

  • an Australian resident for tax purposes

  • an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency visa.

The following visa categories are not acceptable:

  • Visitor visa (exception, a Special Category visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.

Terms and Conditions

Interest, fees, charges and earn rates (if applicable) are changing from 1 October 2026. Learn more about card changes.

Terms and conditions apply to all NAB products and are available at nab.com.au. Fees and charges are payable. Approval and credit limit are subject to NAB’s credit assessment criteria. Information, including interest rates and annual card fees are subject to change. Correct as at 27 May 2025.