Important update

The NAB Shareholder Benefit described below will be discontinued effective 30 September 2019. However:

  • if you already have this benefit we will continue to honour it
  • if you haven’t already and you want to apply for this benefit, your application must be received by NAB on or before 30 September 2019. The terms and conditions for eligibility are outlined below.

NAB will waive the annual card fee on one of the following personal NAB credit cards, for Australian resident shareholders:

  • who hold 500 or more ordinary NAB shares; and
  • hold one eligible personal NAB credit card account
NAB Credit Cards Current annual card fee
NAB Low Fee $30.00
NAB Low Fee Platinum $90.00
NAB Rewards Classic $95.00
NAB Qantas Rewards $95.00
NAB Rewards Platinum $195.00
NAB Qantas Rewards Premium $250.00

Shareholders who have registered NAB shares under a company, trust or incorporated body can nominate one natural person to receive the Shareholder Benefit by completing and returning an Appointment Nominee Advice form to

Annual card fees are current as at 12 August 2019 and are subject to change.

Applying for a NAB personal credit card

(approval is subject to NAB’s credit assessment criteria)

Shareholders may apply for a personal NAB credit card in one of the following ways:

  • online by visiting;
  • visit a NAB branch; or
  • call us on 13 22 65 between 8am–8pm Monday to Friday, or between 9am–6pm Saturday to Sunday.

Full details of the terms and conditions, including fees and charges are available at

Accessing the benefit

Shareholders who hold one of the eligible personal NAB credit cards listed can obtain their unique Shareholder Benefit Number and activate this benefit by emailing Shareholder Services at, or calling either (03) 8634 8507 or (03) 8634 2366 between 9am–5pm Monday to Friday. Applications must be received by the bank on or before 30 September 2019.

Frequently Asked Questions

Important information

  1. A shareholder must be a natural person(s) who is a resident of Australia and;
  • owns 500 ordinary fully paid National Australia Bank Limited (Bank) shares, or
  • is nominated by a company, trust or incorporated body that owns 500 ordinary fully paid Bank shares. A company, trust or incorporated body can nominate one natural person who is a resident of Australia to receive the full benefits of the package using the Nominee Appointment Advice form (PDF, 256KB). A separate appointment form must be completed where more than one entity is registered in a joint holding.

This benefit is only available for one credit card account per eligible shareholder.

Joint shareholders are eligible to access this benefit separately, for one credit card account held in each of their names. In this case, the same Shareholder Benefit number will be linked to each credit card.

2. NAB may vary the terms and conditions of the Shareholder Benefit offer by updating this page.

3. Approval for NAB credit products is subject to NAB's credit assessment criteria. Terms and conditions are available on application. Other fees and charges apply.

Shareholder Centre

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