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

  • Complimentary insurances - see the Insurance section for details.
  • NAB Concierge Service - your own personal assistant 24 hours a day, seven days a week.
  • Access to our NAB Service Centre 24 hours a day, seven days a week.

Benefits of Visa

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

$90 p.a.

Other fees may apply.

Annual card fee and interest rates are subject to change. Correct as at 5 February 2022. View full details of fees and charges.

Insurance

These insurances are complimentary with your NAB Premium 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. You can also call Allianz Global Assistance (AGA) 1800 187 025.

International travel insurance

Cover for travel cancellation, overseas medical expenses, travel delay, lost luggage or travel documents, rental vehicle excess, accidental death, permanent disability and personal liability.

To qualify, use your NAB Premium Card to purchase a minimum of $500 of your prepaid transportation costs (including travel by air, rail, road or watercraft) and/or accommodation costs and/or organised land tour costs all of which are inclusive of any charges, fees and/or taxes (excluding foreign currency and travellers cheques) on your NAB Premium Card.

Other eligibility criteria also apply.

Domestic travel insurance

You're covered if, during a domestic flight, your luggage is lost or delayed or if you have to cancel or amend a domestic flight due to serious illness.

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

Protection for new items purchased with your NAB Premium Card, if they're stolen or accidentally damaged within 90 days of receiving the covered item.

Extended warranty insurance

If you purchase a new domestic appliance in Australia using your NAB Premium Card you'll receive an extension of its original Australian manufacturer's warranty for up to 12 months.

Other NAB credit cards

NAB Low Fee Platinum Card - no longer for sale

Save with a low annual card fee and enjoy platinum benefits.

NAB Low Fee Card

Enjoy our lowest annual card fee of only $30, so you can save your cash for the things you love.

Credit cards

Compare between our credit cards to find the right one for you.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Find a NAB branch

Terms and Conditions

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