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.

Best Value Business Credit Card – Major Bank 2021

Our NAB Low Rate Business Credit Card has won the 2021 Money magazine Best of the Best award for Best Value Business Credit Card – Major Bank.

Business card rates and fees

Learn more about the NAB Low Rate Business 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)

Manage employee expenses

Integrate your business credit cards with the NAB Expense Control app and take control of your business expenses.

Control business spending

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

Contactless payments

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

Complimentary insurance

Enjoy complimentary NAB Commercial Cards Unauthorised Transaction Insurance  and NAB Commercial Cards Transit Accident Insurance.

Visa for business

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

Security and fraud protection

We take fraud prevention and the security of your business credit card seriously. Here are just some of the ways we can help you reduce the risk of fraud.

How to apply online

Here's a quick look at how to apply online, upload financial data and receive your finance.

  1. Check that you meet our online application criteria.

  2. Have your ABN/ACN details handy as well as your NAB account number if you're already a customer. If you're a new customer, have identification (passport, driver's licence, Medicare card) ready.

  3. We’ll review your business cash flow, your credit score and time in business. And if you use an accounting package like XERO, MYOB or QuickBooks, you can link your data.

  4. If approved, access the funds in as little as one business day after we receive all your signed paperwork.

Please have ID ready if you’re new to NAB.

Tips Other ways to apply

If you don’t meet our online application eligibility, don't have an accounting package or don’t wish to apply online, here are some alternatives

  • Contact your NAB business banker.

  • Download, complete, scan and email your signed commercial card application form with supporting financial documents to the Commercial Card Acquisition Team.

  • Call us on 13 10 12 from Monday to Friday, 8:00am to 8:00pm (AEST/AEDT) or Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT).

Other business credit cards to consider

We have a range of competitive credit cards to suit your business needs.

Help and support

We have a range of useful guides and tools to help you manage your business banking.

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

Contact us

Request a call back

Let us help you with your business banking needs.

Call us

Call us for your general enquiries about business banking.

Visit a NAB branch

Use our locations tool to find business banking services.

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.