NAB Business Card RATES & FEES

  • 15.50 %p.a.

    Purchase interest rate

  • 15.50 %p.a.

    Cash advance rate

  • $9

    Monthly card fee (per card)

  • up to 35

    Interest free days on business purchases1

  • $5000

    Minimum facility credit limit

Already have a NAB business credit card and want to control expenses? The NAB Expense Control app makes it easy.

Features and benefits - NAB Business Charge Card

Manage your cashflow

  • Enjoy 35 days interest-free on business purchases (excludes cash advances)1.

Monitor and control your business expenses

  • Set individual cardholder credit limits for employees who need to make purchases.
  • Use NAB Expense Control to take control of your expenses.

Protection against unauthorised transactions

Make the most of your card

  • View transactions online via NAB Internet Banking or NAB Connect.
  • Personalise your cards with your business name.

Special travel and retail privileges, created by Visa for business

  • All Visa Commercial Card customers can claim Visa Business Offers.
  • Gain access to a comprehensive suite of benefits across a variety of Business services including accounting software, marketing solutions as well as productivity tools that will enhance the efficiency of your business.

Manage expenses electronically and reduce interest costs

  • The outstanding balance of your facility is automatically debited each month from a nominated account.

Link your accounting data to apply online

For a quick online decision, simply upload your reconciled financial data from any accounting package software. It’s best if you have your financial reports ready to go before starting the application to streamline the process.

If you have Xero, MYOB or QuickBooks online accounting software it’s even easier – simply connect securely with your login credentials and we’ll do the rest. Find out more about generating reports in the right format.

Eligibility requirements to apply


A sole trader, a partnership with up to two partners, a company with up to five directors, or a trustee of an eligible trust.


Registered for GST, turnover of at least $75K per year, and operated under your current registered ABN/ACN for more than 12 months.

ID Card

Over 18 years old and an Australian citizen or permanent resident. Please have ID ready if you’re new to NAB.


Have 12 months of reconciled business financial data from your accounting package.

Apply now

NAB Business Card comes with these great benefits


Fraud protection

NAB Defence detects fraudulent transactions. If fraud occurs, we’ll give back all your money.


Online security

Visa Secure reduces online fraud by confirming your identity.

Mobile handset

Digital Wallet Pay

You can now tap and pay with the smartphones and wearables you already own and use everyday.

Telephone handset

Emergency assistance

We’re here for you 24/7 if your credit card is lost or stolen.


If you haven't found what you're looking for visit our FAQs

Manage your NAB business card

Lost your NAB business card? Need to add another cardholder? Going overseas? Our managing your card guides can help answer questions about your card.

Manage your card

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