Fees and charges

Monthly card fee

$ 0

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

Withdrawal fee at over 4,000 ATMs

$ 0

Access over 4,000 ATMs across Australia, and say goodbye to ATM fees.

Overdrawn fees

$ 0

If you happen to overdraw your NAB transaction account.

International transaction fee 3%

Features of this card

Access to Visa Entertainment

Includes pre-sales periods for concerts and events, priority seating, special offers and exclusive merchandise packages.

Security and purchase protection

Shop safe in the knowledge you’re protected with NAB Defence, Visa Zero Liability and complimentary purchase protection insurance.

Contactless payments

Make everyday purchases easy and secure with Visa payWave. Plus, start spending before your card arrives with Google Pay or Apple Pay.

Easy access to your money

Withdraw money at ATMs or at a branch, and make purchases in person, online or over the phone.

Bank on the go

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

No monthly account fees

Linked to a new or existing NAB Classic Banking account with no monthly account fees.

Manage your card with the NAB app

  • Tap and pay for purchases with digital wallets.

  • Use card controls to turn on or off contactless payments, online purchases, and overseas transactions.

  • Block, unblock and reorder your card if it's lost or stolen.

  • Notify us if you're going overseas so we can protect your card.

  • Access your digital cards.

What you’ll need to apply

Here's what you need to know about applying and eligibility. If you’re a NAB customer, have your NAB IDYour NAB ID is an 8 to 10 digit number given to you when you first become a NAB customer.  There are three ways to find your NAB ID: 1. We send it to you via email and SMS when you first become a customer. 2. On the back of your credit card or debit card, above the magnetic strip. Not all cards have this. 3. In the NAB app once you've registered for internet banking. Your NAB ID can be found under More and then My Details. This option is only available for personal profiles (not business ones). and password ready.

Identify yourself

If you’re a new customer, we’ll need either:

  • your passport

  • your driver's licence

  • your Medicare card

Check your eligibility

You must be both:

  • 14 years of age or older

  • an Australian resident for tax purposes

Not eligible to apply online?

If you’re unable to apply for this product online, visit a branch and a banker will help you.

Ready to apply?

If you've checked you're eligible to apply and have all your documents ready, let's get started.

Help and support

How do I open an account?

If you’re 14 years old or over

You can apply for a NAB Classic Banking account online if you’re 14 years or older and an Australian resident for tax purposes. If you’re not an Australian resident you can open an account at a NAB branch.

If you’re under the age of 14

If you’re under the age of 14, you will need to go into a branch with your parent or guardian to open an account.

What you’ll need to open the account

You’ll need to present identification documents when you open the account. This can include things like:

  • your birth certificate
  • Proof of Age card
  • a valid Australian driver’s licence.

If you’re looking to open a NAB Retirement account, visit a NAB branch.

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

If you're 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 on large purchases, or just smaller ones?

Visa payWave is a secure way 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.

What is NAB Defence?

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

Other account options to consider

NAB Platinum Visa Debit Card and NAB Visa Debit Cards require a linked NAB transaction account. You can link an existing NAB transaction account within your debit card application or open a fee-free NAB Classic Banking account, as well as a savings account.

Get in touch

Visit a NAB branch

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

Important Information

Any advice has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, you should consider whether it is appropriate for your circumstances and view the Personal Transaction and Savings Products Terms and Conditions (PDF, 627KB), opens in new window. Target Market Determinations for these products are available at nab.com.au/TMD. NAB products issued by NAB.

See our personal banking fees and charges and indicator rates for deposit products.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

NAB Internet Banking and NAB app

These products are issued by National Australia Bank Limited.

NAB recommends you consider the NAB Internet Banking terms and conditions document, before making any decisions regarding this product.

The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.