Important Upcoming personal card changes
From 23 June 2025, we’re increasing fees on our NAB Personal credit cards (excluding NAB StraightUp Card). The late payment fee will increase from $15 to $20. The cash advance fee will increase from 3% or $3 (whichever is greater) to 3.5% or $3.50 (whichever is greater).
Learn more about how to avoid these fees.
Upcoming Complimentary Insurance changes
Effective 1 July 2025 – For some NAB cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.
Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Please read the summary of changes for further details and how they will affect your insurance cover.
Overview
- Collect flybuys points on everyday purchases.
- Complimentary insurances – see the Insurance section for details.
- Up to 44 interest free days on purchases.
- NAB Concierge Service - your own personal assistant available 24 hours, 7 days a week.
- Access to our NAB Service Centre 24 hours, 7 days a week.
Rates and fees
Variable purchase rate
20.99% p.a
Variable cash advance rate
21.74% p.a.
Standard balance transfer rate
0% p.a. for 12 months
Balance transfers
We can’t process balance transfers from certain issuers – see our indicative list.
Balance transfer fee
3% balance transfer fee applies.
Annual card free
$95
Other fees may apply.
All fees and interest rates are subject to change. Correct as at 5 February 2022. View full details of fees and charges.
Rewards
Collect 1 flybuys point for every $1 spent on everyday purchases on your Visa card
. Points are capped at $20,000 spend per statement.
Insurance
These insurances are complimentary with your NAB flybuys Rewards Card . These are just brief summaries, and you should read the NAB Card Insurance Policy Information Booklet (PDF, 489KB), opens in new window for full details, including exclusions.
International travel insurance
Spend at least $500 of your prepaid transportation, accommodation, and/or land tour costs on your NAB flybuys Rewards Card prior to commencing your trip and you could be covered for travel cancellation, overseas medical expenses, lost luggage or travel documents.
Domestic travel insurance
Pay for your return domestic airfares in full on your NAB flybuys Rewards Card prior to departure and you could be covered if your luggage is lost or delayed, or if you have to cancel or change a domestic flight due to serious illness, injury or death. You also may be covered for the rental vehicle insurance excess if you rent a car.
Rental vehicle excess insurance in Australia
Designed to cover you where your rental vehicle was rented in Australia and is involved in an accident while you are driving it or is damaged or stolen.
Purchase protection insurance
You could be covered if new items you bought on your NAB flybuys Rewards Card are lost, stolen or accidentally damaged within 90 days of receiving the covered item.
Extended warranty insurance
Buy a new domestic appliance in Australia on your NAB flybuys Rewards Card and you could receive an extension of its original Australian manufacturer's warranty for up to 12 months.
Other NAB credit cards
NAB Rewards Platinum Credit Card
Redeem NAB Rewards Points for a wide range in our NAB Rewards Store. Plus, enjoy complimentary insurances and Personal Concierge.
NAB Rewards Signature Credit Card
Apply today to take advantage of earning bonus points and enjoying other great rewards.
Credit cards
Compare between our credit cards to find the right one for you.
Get in touch
Contact us
Explore our business banking contact information and get support with a wide range of products, services and topics.
Visit a NAB branch
Our business bankers are located all around Australia.
Terms and Conditions
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.