Apply for a credit card

Interested in applying for a new NAB Credit Card?

Whether you're looking for a low purchase rate, a low fee card or a card that rewards you for everyday spend; we have a credit card to match.


Enjoy our lowest interest rate on purchases, with the added benefits of complimentary insurances View disclaimer 1

Whether it's an everyday purchase or life's other luxuries, this card has you covered

Not sure which card is right for you?

All NAB Credit Cards come with these great benefits

Fraud protection

Provided you operate your account responsibly, if fraud occurs you'll be reimbursed for the fraudulent transaction

Online security

Verified by Visa reduces online fraud by confirming your identity with a password.

Another card?

Add an additional cardholder at no extra cost.1

24/7 Emergency assistance

If your card is lost or stolen, you can block it via the NAB app or call us anytime.

Contactless payments

Tap and pay with your NAB credit card or your phone - with NAB pay for Android.

Applying online is quick

It takes around 15 minutes to apply online.

Who can apply?

To apply for a credit card you need to be at least 18 years old and have a good credit rating. You don't need to be an Australian citizen.

If you're not earning a regular income or salary, call us on 13 13 12 from 8am - 9pm Mon-Fri and 9am - 6pm on weekends (AEST/AEDT). We might be able to sort out something that'll work for you.

Things you should know before you apply

  • Approval for a credit card depends on our credit assessment criteria.
  • There are credit card fees and charges that you should know about. Our Guide to fees and charges and Facts about credit card interest brochure (PDF, 404KB) has more details.
  • A credit card lets you take on debt which you'll have to repay. You should apply for a credit card only if you're sure you'll be able to afford the repayments.
  • Before you apply for a credit card it's a good idea to check your finances with our budget planner. And make sure you understand how to improve your credit approval chances.
  • It's important to understand the terms and conditions that apply to your credit card.

Information you'll need when you apply

When you apply online we'll ask for things like:

  • Your email address - we'll email you about your application
  • What you earn (wages, salary, other) and what you spend
  • Your employer's name, address and phone number
  • Details of what you owe and what you own
  • Your driver's licence number (if you have one)
  • If you're self-employed, your accountant's name and contact number.

After you submit your application

  • You'll receive a response online within 60 seconds and then an email. Your email will include your application reference number.
  • If your application is approved, it's then subject to verification. If you meet the verification criteria, you'll receive your credit card within five business days.

Checking your application's progress

To check the progress of your application call us on 1300 361 138 from 8am - 7pm Mon-Fri (AEST/AEDT). Remember to have your application reference number handy.