Best value business credit card - Major bank 2021

Our NAB Low Rate Business Credit Card  won the 2021 Money Magazine Best of the Best award for Best Value Business Credit Card - Major Bank.


0% special introductory interest rate offer

  • Enjoy 0% on purchases for 12 months on a new NAB Low Rate Business Card.

  • No annual card fee for the first year.

NAB may vary or end this offer at any time without notice. See important information below.

NAB Low Rate Business Card rates and fees

Learn more about our business credit card rates, fees and minimum credit limits.

Purchase interest rate

13.25 % p.a.

Cash advance rate

13.25 % p.a.

Annual card fee (per card)

$ 60

Interest-free days Up to 55 days on business purchases
Minimum facility credit limit $5,000

Benefits of a low rate business credit card

Our low interest rate business credit card is packed with great features to help you manage your business expenses.

Low cost

Enjoy a low annual card fee, competitive interest rate, and up to 55 days interest free on business purchases (excludes cash advances).

Security and fraud protection

We take fraud protection and the security of your business credit card seriously. Learn about how we protect your accounts against credit card fraud with NAB Defence.

Manage your cards

Attach multiple cards to one facility, set individual credit limits, and get detailed monthly statements.

Tap into Visa benefits

Access benefits across a variety of business services through Visa Commercial Offers, opens in new window.

Complimentary insurance

Enjoy complimentary NAB Commercial Cards Unauthorised Transaction Insurance.  Read about changes to your insurance effective 1 November 2023.

Contactless payments

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

Ready to apply?

Apply now for a NAB Low Rate Business Card with our fast online application and receive an instant decision.

Don't want to apply online?

If you don’t meet our online application eligibility, don't have an accounting software package or don’t wish to apply online, you can call your NAB Business Banker or contact us

Help and support Common NAB Low Rate Business Card questions

How can I manage employee spending on business credit cards?

You can control staff business credit card spending by setting individual credit limits, blocking cash advance transactions and using card controls to temporarily block cards. You'll also receive detailed monthly statements for each cardholder to help you with your account reconciliation and tax preparation.

When can I start using the credit card?

Once your application is approved, we’ll send the card to your nominated address within 7-10 business days. Once received, you can start using your card immediately.

Other business credit cards to consider

Get in touch

Sales enquiries

Let us help with your business banking needs. Request a call back to chat to a specialist about our range of business and commercial cards.

Contact us

Visit our business banking contact page for how-to-guides and FAQs, as well as contact numbers.

Visit a NAB business banking centre

Let our business banking specialists help you in person.

Terms and Conditions

NAB business credit cards are for business purposes only.

A valid ABN is required to open a Commercial Card facility with NAB. ABN registration checks will be performed once the application has been received.

Terms, conditions, fees, charges and lending criteria apply.

Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Details are correct as at 15 October 2020 and are subject to change by NAB. Credit cards issued by National Australia Bank Limited.