Interchange structure and rates changes | Merchant support - NAB
December 2025 – What’s changing?
Visa are making changes to their Interchange rates. The changes are effective from 1st of December 2025 and covers selected credit and debit card types.
New Rates: Effective 1st December 2025
Visa
Domestic NNSS Credit Interchange Rates
| Credit Fee Program | Current Rate (Ex. GST) | Current Rate (Inc. GST) | Updated Rate (Ex. GST) | Updated Rate (Inc. GST) | Difference (Ex. GST) | Difference (Inc. GST) |
|---|---|---|---|---|---|---|
Rewards (N1) | Current Rate (Ex. GST) 0.70% | Current Rate (Inc. GST) 0.770% | Updated Rate (Ex. GST) 0.68% | Updated Rate (Inc. GST) 0.748% | Difference (Ex. GST) -0.02% | Difference (Inc. GST) -0.022% |
Tokenized Online Tier 1 | Current Rate (Ex. GST) 0.59% | Current Rate (Inc. GST) 0.649% | Updated Rate (Ex. GST) 0.56% | Updated Rate (Inc. GST) 0.616% | Difference (Ex. GST) -0.03% | Difference (Inc. GST) -0.033% |
Platinum (N) | Current Rate (Ex. GST) 0.68% | Current Rate (Inc. GST) 0.748% | Updated Rate (Ex. GST) 0.67% | Updated Rate (Inc. GST) 0.737% | Difference (Ex. GST) -0.01% | Difference (Inc. GST) -0.011% |
Domestic NNSS Single Network Debit Interchange Rates
| Debit Fee Program | Current Rate (Ex. GST) | Current Rate (Inc. GST) | Updated Rate (Ex. GST) | Updated Rate (Inc. GST) | Difference (Ex. GST) | Difference (Inc. GST) |
|---|---|---|---|---|---|---|
Standard Fee Program – Debit Gold (P) | Current Rate (Ex. GST) 0.12% | Current Rate (Inc. GST) 0.132% | Updated Rate (Ex. GST) 0.11% | Updated Rate (Inc. GST) 0.121% | Difference (Ex. GST) -0.01% | Difference (Inc. GST) -0.011% |
What does this mean for you?
Interchange Rate structure changes impact only Interchange Plus pricing merchants. Your cost of accepting payments via these card types may also change.
What do you need to do?
You don’t need to make any changes. The interchange fee will automatically be applied to respective Visa transactions after the implementation dates advised above. Your November 2025 statements will reflect this change.
How this affects your cost of acceptance?
Depending on the card mix your business accepts, you could see an impact to your cost of acceptance.
The new interchange rates will be applied to your merchant statements and will show your cost of acceptance based on the new rates.
Where can you find out more about interchange fees?
Interchange Fees information is published by Visa online and information is due to be updated from the day the changes come into effect.
These rates can be found at:
Want to know more?
Visit our Interchange categories definitions page for more information.
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