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.

About the NAB Visa Mini Card

The NAB Visa Mini is packed full of features including a low annual fee and up to $10 cash back to your account each month.

Enjoy peace of mind with your complimentary purchase protection insurance and Visa Entertainment Special offers on shows, events, experiences and movies. Find out more about Visa Entertainment, opens in new window.

Overview

  • Each NAB Visa Mini comes with a choice of five colours - blue, pink, silver, red and green. 
  • Up to $10 cash back each month.
  • Complimentary purchase protection insurance.
  • Up to 55 interest free days on purchases.
  • Access to our 24/7 NAB Service Centre.
Related documents, including terms and conditions

Benefits of Visa

Rates and fees

Variable purchase rate

19.99% p.a.

Variable cash advance rate

21.74% p.a.

Standard balance transfer rate

0% p.a. for 12 months standard balance transfer rate.

We can’t process balance transfers from certain issuers – see our indicative list.

Balance transfer fees

3% balance transfer fee applies.

Annual card fee

$40

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.

Find out more about purchase protection insurance.

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.

Terms and Conditions

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.