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NAB Premium Card
NAB Low Fee Card
NAB Low Rate Platinum Card
NAB Low Rate Card
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Card
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Card
NAB flybuys Rewards Card
NAB Rewards Platinum Card
NAB Rewards Classic Card
PROMOTION_TITLE
PROMOTION_SUBTITLE

Balance Transfer Special Offer#

Enjoy 0

%p.a.

on balance transfers for 24 months 3% BT fee applies. BT reverts to cash advance rate.
Minimum monthly repayments required. Apply by 31 May 2017. See important information below.

Balance Transfer Special Offer^

Enjoy 0

%p.a.

on balance transfers for 18 months3% BT fee applies. BT reverts to cash advance rate.

Minimum monthly repayments required. See important information below.

Balance Transfer Special Offer^

Enjoy 0

%p.a.

on balance transfers for 18 months3% BT fee applies. BT reverts to cash advance rate.

Minimum monthly repayments required. See important information below.

Balance Transfer Special Offer^

Enjoy 0

%p.a.

on balance transfers for 18 months3% BT fee applies. BT reverts to cash advance rate.

Minimum monthly repayments required. See important information below.

Balance Transfer Standard Offer~

Enjoy 4.99

%p.a.

on balance transfers for 6 monthsBT reverts to cash advance rate.

Minimum monthly repayments required. See important information below.

Balance Transfer Standard Offer~

Enjoy 4.99

%p.a.

on balance transfers for 6 monthsBT reverts to cash advance rate.

Minimum monthly repayments required. See important information below.

Balance Transfer Standard Offer~

Enjoy 4.99

%p.a.

on balance transfers for 6 monthsBT reverts to cash advance rate.

Minimum monthly repayments required. See important information below.

Balance Transfer Standard Offer~

Enjoy 4.99

%p.a.

on balance transfers for 6 monthsBT reverts to cash advance rate.

Minimum monthly repayments required. See important information below.

Balance Transfer Standard Offer~

Enjoy 4.99

%p.a.

on balance transfers for 6 monthsBT reverts to cash advance rate.

Minimum monthly repayments required. See important information below.

Bonus Points offer*

80,000 Bonus Pointswhen you spend $2,500 on everyday purchases within 90 days & enjoy $0 annual card fee for the first year
Minimum monthly repayments required. Apply by 31 May 2017. See important information below.

Bonus Points offer*

40,000 Bonus Pointswhen you spend $1,500 on everyday purchases within 90 days & enjoy $0 annual card fee for the first year
Minimum monthly repayments required. Apply by 31 May 2017. See important information below.
Card Details
Annual card fee

$90

Annual card fee

$30

Annual card fee

$100

Annual card fee

$59

Annual card fee

$150

Annual card fee

$95

Annual card fee

$250

Annual card fee

$95

Annual card fee

$95

Annual card fee

$195

Annual card fee

$95

Purchase interest rate (standard)

19.74% pa

Purchase interest rate (standard)

19.74% pa

Purchase interest rate (standard)

13.99% pa

Purchase interest rate (standard)

13.99% pa

Purchase interest rate (standard)

19.99% pa

Purchase interest rate (standard)

19.99%

Purchase interest rate (standard)

19.99% pa

Purchase interest rate (standard)

19.99% pa

Purchase interest rate (standard)

19.99% pa

Purchase interest rate (standard)

19.99% pa

Purchase interest rate (standard)

19.99% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74%

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Cash advance rate

21.74% pa

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Balance transfer interest rate (standard)

4.99% pa for 6 months

Interest free days

Up to 44 days1

Interest free days

Up to 44 days1

Interest free days

Up to 55 days1

Interest free days

Up to 55 days1

Interest free days

Up to 44 days1

Interest free days

Up to 44 days1

Interest free days

Up to 44 days1

Interest free days

Up to 44 days1

Interest free days

Up to 44 days1

Interest free days

Up to 44 days1

Interest free days

Up to 44 days1

Minimum credit limit

$6000

Minimum credit limit

$500

Minimum credit limit

$6000

Minimum credit limit

$500

Minimum credit limit

$6000

Minimum credit limit

$500

Minimum credit limit

$6000

Minimum credit limit

$500

Minimum credit limit

$6000

Minimum credit limit

$6,000

Minimum credit limit

$500

Rewards
Earning points

No rewards

Earning points

No rewards

Earning points

No rewards

Earning points

No rewards

Earning points

American Express1.5 points per dollar4
Visa0.5 point per dollar4

Earning points

American Express 1 points per dollar4
Visa0.5 point per dollar4

Earning points

American Express1.5 points per dollar5
Visa0.5 point per dollar5

Earning points

American Express1 point per dollar 5
Visa0.5 point per dollar5

Earning points

Visa1 point per dollar6

Earning points

NAB Rewards1 point per dollar2

Points Booster3
3x1 points per Webjet & Overseas purchases
2x1 points at major department & hardware stores

Earning points

NAB Rewards0.75 points per dollar2

Points Booster3
3x0.75 points per Webjet & Overseas purchases
2x0.75 points at major department & hardware stores

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Bonus points for Qantas purchases

Point cap per statement period

No rewards

Point cap per statement period

No rewards

Point cap per statement period

No rewards

Point cap per statement period

No rewards

Point cap per statement period

$20,000

Point cap per statement period

$20,000

Point cap per statement period

$25,0003

Point cap per statement period

$20,0003

Point cap per statement period

$20,000

Point cap per statement period

Point cap per statement period

Save on frequent flyer's membership

No rewards

Save on frequent flyer's membership

No rewards

Save on frequent flyer's membership

No rewards

Save on frequent flyer's membership

No rewards

Save on frequent flyer's membership

No joining fee

Save on frequent flyer's membership

No joining fee

Save on frequent flyer's membership

Save $89.50

Save on frequent flyer's membership

Save $89.50

Save on frequent flyer's membership

No joining fee

Save on frequent flyer's membership

Save on frequent flyer's membership

Insurances
yes
no
yes
no
yes
no
yes
no
yes
yes
no
yes
no
yes
no
yes
no
yes
no
yes
yes
no
yes
no
yes
no
yes
no
yes
no
yes
yes
no
yes
no
yes
no
yes
no
yes
no
yes
yes
no
yes
no
yes
no
yes
no
yes
no
yes
yes
no
yes
no
yes
no
yes
no
yes
no
yes
yes
no
yes
yes
yes
no
yes
yes
yes
yes
yes
yes
yes

Optional NAB Credit Card Cover7

yes

Optional NAB Credit Card Cover7

no

Optional NAB Credit Card Cover7

yes

Optional NAB Credit Card Cover7

yes

Optional NAB Credit Card Cover7

yes

Optional NAB Credit Card Cover7

yes

Optional NAB Credit Card Cover7

yes

Optional NAB Credit Card Cover7

yes

Optional NAB Credit Card Cover7

yes

Optional NAB Credit Card Cover7

no

Optional NAB Credit Card Cover7

no
Lifestyle and Entertainment Benefits
NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

NAB Platinum Concierge Services

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

Visa Entertainment
American Express Connect

Shopping, dining, travel & entertainment offer

Visa Entertainment
American Express Connect

Shopping, dining, travel & entertainment offer

Visa Entertainment
American Express Connect

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

Visa Entertainment

Shopping, dining, travel & entertainment offer

Visa Entertainment

Security
NAB Defence

NAB Defence

NAB Defence

NAB Defence

NAB Defence

NAB Defence

NAB Defence

NAB Defence

NAB Defence

NAB Defence

NAB Defence

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Extra Verification for online purchases

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Global assistance for card emergencies

Using Your Card

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Contactless payments under $100

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Accepted worldwide

yes

Additional cardholder8

yes

Additional cardholder8

yes

Additional cardholder8

yes

Additional cardholder8

yes

Additional cardholder8

yes

Additional cardholder8

yes

Additional cardholder8

yes

Additional cardholder8

yes

Additional cardholder8

yes

Additional cardholder8

yes

Additional cardholder8

yes

Important information

* NAB Rewards Bonus Point & annual card fee - Special Offer

Offer commences 23 January 2017. To be eligible for the 80,000 bonus points offer, you must apply for a new NAB Rewards Platinum Card by 31 May 2017, be approved, and spend $2,500 on everyday purchases within 90 days of opening your account on your NAB Rewards Platinum Card. To be eligible for the 40,000 bonus points offer, you must apply for a new NAB Rewards Classic Card by 31 May 2017, be approved, and spend $1,500 on everyday purchases within 90 days of opening your account on your NAB Rewards Classic Card. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. NAB may vary or end this offer. Points will be credited to your points balance within 3 months of meeting the spend criteria. The annual card fee waiver will be applied at time of card opening, and applies for the first 12 months. You will be charged an annual card fee in the 13th month of your card account. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB offer.

# 24 Months Balance Transfer Special Offer

Offer commences 23 January 2017. For approved applicants who apply for a new NAB Premium Credit Card by 31 May 2017. The special balance transfer interest rate will apply for a 24 month statement period from account opening. After the promotional period any unpaid balance transfers will attract the standard cash advance rate. Interest rates are subject to change and available at www.nab.com.au. Special promotion balance transfer must be applied for at the point of full card application. The one off balance transfer fee of 3% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

^ 18 Month Balance Transfer Special Offer

Offer commences 23 January 2017. For approved applicants who apply for a new NAB Low Rate Card, NAB Low Rate Platinum Card or NAB Low Fee Card by 31 May 2017. The special balance transfer interest rate will apply for an 18 month statement period from account opening. After the promotional period, any unpaid balance transfers will attract the standard cash advance rate. Interest rates are subject to change and available at nab.com.au. Special promotion balance transfer must be applied for at the point of full card application. The one off balance transfer fee of 3% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

~ Balance Transfer Standard Offer

At the end of this period, any unpaid balances will then attract the standard cash advance rate (subject to change), see www.nab.com.au. Interest free days do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month.

1 Interest free days

If you pay your account in full by the due date each month. You won’t receive interest free days if you have a balance transfer.

2 Earning Points

Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions available at rewards.nab.com.au. These terms describe the purchases not eligible to earn points. You must have an open and active NAB Rewards credit card account to earn points.

3How does Points Booster work?

NAB Rewards Platinum Card

Triple points = 1 NAB Rewards Point + 2 x 1 NAB Rewards Point (bonus points)

NAB Rewards Classic Card

Triple points = 0.75 NAB Rewards Point + 2 x 0.75 NAB Rewards Point (bonus points)

Overseas purchases - Purchases (in store and online) where the merchant, financial institution or entity processing the transaction is located outside Australia. International transaction fees continue to apply.

Webjet - Purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au (excluding bookings with Jetstar, AirAsia and Scoot).

NAB Rewards Platinum Card

Double points = 1 NAB Rewards Point + 1 x 1 NAB Rewards Point (bonus point)

NAB Rewards Classic Card

Double points = 0.75 NAB Reward Points + 0.75 x 1 NAB Rewards Point (bonus point)

Use your card to shop in-store and online at your favourite major department stores and hardware stores; such as, Myer, David Jones, Bunnings, Mitre 10 and many more – the choice is yours.

Points Booster is subject to the NAB Rewards Terms and Conditions. Only eligible transactions under those terms and conditions earn points and bonus points. Points are credited to your points balance after the eligible transaction is credited to your NAB Rewards credit card account: for standard points within 3 business days of processing and for bonus points within 3 business days of processing. Details are correct as at 23 January 2017 and are subject to change by NAB.

4Velocity Points

To earn Points, you must be a member of the Velocity Frequent Flyer program and have provided your valid Velocity Membership Number to NAB. Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions as amended from time to time. The Velocity Frequent Flyer program is operated by Velocity Frequent Flyer Pty Ltd ACN 601 408 824. Points are capped at $20,000 spend per statement period.

5Qantas Points

NAB Qantas Rewards Premium Card

Qantas Points will be allocated on a tiered basis over each statement period. First on your NAB Qantas Rewards Premium American Express spend, then on your NAB Qantas Rewards Premium Visa Card. Points are capped at $25,000 spend per statement period.

NAB Qantas Rewards Card

Qantas Points will be allocated on a tiered basis over each statement period. First on your NAB Qantas Rewards American Express spend, then on your NAB Qantas Rewards MasterCard. Points are capped at $20,000 spend per statement period.

6flybuys points

To collect flybuys points you must be a member of the flybuys program and have provided your valid membership number to NAB. Standard flybuys terms and conditions and flybuys Privacy Policy apply. Visit flybuys.com.au for details. The flybuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334. Points are capped at $20,000 spend per statement period.

7 Insurances
A qualifying purchase is required to get the benefits of the complimentary insurance. See terms, conditions and exclusions of the complimentary insurances specified in the NAB Card Insurance Policy Information booklet (PDF, 391KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 924KB) and may be amended. The complimentary insurances are issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 to NAB. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth).


8Additional cardholder

Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.

Fees and charges

Terms and conditions available here. Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at 23 January 2017.

Credit cards issued by National Australia Bank Limited. ©2016 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

Forms and links

NAB Credit Card Terms and Conditions (PDF, 401KB)

NAB electronic banking (card based) Product disclosure statement (PDF, 324KB)

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 386KB)

Personal banking fees – A guide to fees and charges (PDF, 338KB)

Indicator rates for other personal lending products