Here's what you get...

  • Make everyday purchases easy and secure with Visa payWave

  • Bank 24/7 with the NAB app, packed with features to help you stay in control of your money

  • Shop safe in the knowledge you’re always protected with NAB Defence and Visa Zero Liability

  • Linked to a new or existing NAB Classic Banking account

Ready to roll? Open within 7 minutes...

  • Have a passport, driver’s license or Medicare card handy

  • Must be at least 16 and a permanent Australian resident to apply online

  • Call us on 13 22 65 or visit a branch if you’re under 16 or a non-permanent resident

Okay, let's break it down...


Monthly card fee

Love free stuff? Pay no monthly fee and keep the extra cash


Withdrawal fee at over 7,000 ATMs

Access over 7,000 ATMs across Australia, and say goodbye to ATM fees


Overdrawn fees

If you happen to overdraw your NAB transaction account.

  • Foreign Currency Fees (transactions not in AUD)


Get rolling within 24 hours

  • Step 1

    Apply online now – it takes less than seven minutes.

  • Step 2

    You’ll then get an SMS with your NAB Identification Number (NIN) within 60 seconds.

  • Step 3

    Register for Internet Banking (using your NIN), and you’re ready to start moving money around.

  • Step 4

    Lastly, you’ll receive another SMS to let you know when your NAB Visa Debit card will arrive. 

Manage your account with the NAB app

Tap and pay for purchases

NAB has a range of digital wallets that will let you tap and pay securely with your phone to make contactless purchases.

Frequently asked questions

Who can apply online for a NAB Visa Debit card?

To apply for a NAB Visa Debit card online you will need to be aged 16 or older and be an Australian resident.

If you’re aged between 14 and 16, you’ll need to visit your nearest NAB branch with a parent or guardian – they’ll need to be nominated as an authorised party to your linked account. If you’re over 16 years of age, you don’t need a parent or guardian, and can simply apply over the phone or in branch.

How do I open an account if I am under 16 years old?

If you aren’t 16 yet you can visit us at any NAB branch.

You’ll need to present 100 points of identification when you open the account, for example, Birth Certificate and Medicare card.

Minors aged 14 and under will require a parent or guardian to be present.

Can I get a NAB Visa Debit card if I’m visiting from overseas?

If you are visiting Australia from overseas, you will be able to get a NAB Visa Debit card unless you are here on a short stay visitor / tourist visa. If this is your case, speak to one of our bankers about other products that may suit your needs.

Can I use Visa payWave and NAB Pay on large purchases, or just smaller ones?

Visa payWave and NAB Pay are secure ways to make purchases of any size. If the purchase is under $100, you won’t need to use your PIN so you can just tap and go. For purchases over $100, the process is almost as quick. The only difference is you’ll need to enter your PIN.

How does NAB Pay work?

NAB Pay enables you to make contactless payments on your mobile. NAB Pay is part of the NAB app and links directly to your NAB Visa Debit card. All you need to do is set up NAB Pay on your Android phone and select your default card. To make a payment, simply place the back of your phone against the reader until it beeps. It's that easy. For payments $100 or over, you'll need to enter your card PIN.

What is NAB Defence?

Wherever you see the NAB Defence logo, you’ll be protected against fraud, whether you’re using your physical card, NAB Pay, or Apple Pay. We’re always working behind the scenes to monitor any high risk transactions and let you know about suspected fraud and investigate for you.

Still have questions?

Call us on 13 22 65

Other options to consider

Woman receiving package

NAB Platinum Visa Debit card

Your premium everyday card both at home and overseas.

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NAB Classic Banking account

Meet your account for everyday transactions. Easy access to your money with no monthly account fees.

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Bank accounts for students

Pay no account keeping fees with the NAB Classic Banking account

If you have a Commonwealth Seniors Health Card, a Health Care Card, or a Pensioner Concession, to open a new NAB Classic Banking account or NAB Retirement Account, please visit us in branch or call 13 13 12.

We're ready to help you

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