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.

Special offer on a new NAB Low Rate Business Credit Card

0% on purchases for 12 months

Business Credit Card rates and fees

  • 13.25 %p.a.

    Purchase interest rate

  • 13.25 %p.a.

    Cash advance rate

  • $60

    Annual card fee (per card)

  • up to 55

    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 Low Rate Business Credit Card

A low cost credit card

  • Low annual card fee.
  • A business credit card with a competitive interest rate.

Make the most of your card

Manage your cash flow

  • Up to 55 days interest-free on business purchases (excludes cash advances)1.

Control your expenses

  • Attach multiple cards and set individual credit limits under one facility.
  • Monthly statements for each cardholder including a convenient summary table of your total facility.
  • Integrate with NAB Expense Control and take control of expense management.

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.

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 online


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 today for a NAB Low Rate Business Credit Card

All NAB Business Credit Cards come 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.

Want to know more?

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

You might also be interested in

Man making notes

NAB QuickBiz Loan

Simple unsecured loan of up to $100K, with fixed principal and interest repayments over one, two or three years.

Find out more

Woman in bakery

NAB QuickBiz Overdraft

Manage your cash flow and unexpected expenses with an overdraft on your transaction account, unsecured up to $50K.

Find out more