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.
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 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.
Rewards
Earn points on your everyday transactions and there is no limit to the amount of points you can earn each month.
Earn 1.5 points - On purchases made online with Webjet.
Earn 1 point - On purchases at eligible grocery stores.
Earn 0.75 point - on all other everyday purchases.
Find out more about NAB Rewards Cards.
Insurance
Complimentary purchase protection insurance.
For loss or theft of, or accidental damage to new personal items purchased with your card anywhere in the world, for 90 days from when you receive your item.
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
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
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NAB Rewards bonus points special offer
Offer commenced 12 November 2018. To be eligible for the 30,000 bonus points offer, you must have applied for a new personal NAB Rewards Classic Card, before the offer is withdrawn, be approved, and spend $500 on everyday purchases within 60 days of opening your account on your NAB Rewards Classic Card. NAB may vary or end this offer at any time.
Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. Points will be credited to your points balance within 3 months of meeting the spend criteria. These bonus points offer are not available to existing customers who have received or are entitled to receive NAB Rewards Bonus Points for a new personal NAB Rewards credit card or NAB Home loan in the twelve months prior to the opening of a NAB Rewards Signature Card, NAB Rewards Platinum Card or NAB Rewards Classic Card account. Offers are not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer. Gift Card values correct as at 12 November 2018. Points values & stock levels subject to change. Check reward website, opens in new window.
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