NAB Low Rate Platinum Card (previously known as the NAB Low Rate Premium Card)

Existing Customers will remain on the $59 annual card fee, although the fee like all NAB fees, is subject to change*

*For Customers who apply for the new on-sale NAB Low Rate Platinum Card from 5th December 2016, the annual card fee will be $100 (subject to change).


With a lower purchase interest rate, this card is useful if you don’t pay your closing balance in full each month by the due date. You’ll also have the recognition of platinum at no extra cost.

Benefits of platinum

  • Seven complimentary insurances - see the Insurance tab for details.
  • NAB Concierge Service - your own 24 hour, 7 days a week personal assistant.
  • Access to our 24/7 NAB Service Centre.
  • Visa Front Line Access lets cardholders reserve tickets to some of the biggest concerts and most exciting sports events before pre-sales and before they go on sale to the general public.
  • Related documents, including terms and conditions.

NAB Concierge Service

Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. This is a brief overview of what your concierge offers – see the NAB Concierge Service terms and conditions (PDF, 234KB) for full details.

This service is provided by International SOS (Australasia) Pty Ltd.

Lifestyle services

All types of personal assistance, including:

  • Sourcing, booking and delivering tickets for sporting events, shows and concerts
  • Car and limousine rental
  • Reservations at hotels, health clubs and golf clubs
  • Flower delivery
  • Party planning
  • Entertainment ideas including dining referrals
  • and much more.

See the NAB Concierge Service terms and conditions (PDF, 234KB).

Purchase Protection Insurance

Use your card to pay for a new personal retail item in full and if it's lost, stolen or accidentally damaged any time in the next 90 days you're covered for the cost of repairing or replacing it.

There are some limits and exclusions – see the Purchase Protection Insurance Policy Document (PDF, 924KB). This insurance is supplied by QBE Insurance (Australia) Limited.

Rates and fees

Purchases: 13.99% p.a.
Cash advances: 21.74% p.a.
Balance transfers: 4.99% p.a. for up to 6 months (read more about balance transfers).

Annual card fee: $59.
Other fees may apply.

Annual card fee and interest rates are subject to change. Correct as at 23 February 2013. View full details of fees and charges.


These insurances are complimentary with your NAB Low Rate Platinum Card. These are just brief summaries and you should read the NAB Card Insurance Policy Information Booklet (PDF, 391KB) for full details, including exclusions. You can also call QBE Insurance on 1800 187 025.

Overseas Travel Insurance

Cover for travel cancellation, overseas medical expenses, lost luggage (up to $20,000) or travel documents, rental vehicle excess, accidental death and disability, missed connections, personal liability, collision damage waiver, hijack and detention, and kidnap and ransom.

To qualify, use your NAB Low Rate Platinum Card to purchase a minimum of $500 of your prepaid transportation, accommodation, and/or land tour costs and receive comprehensive Overseas Travel Insurance cover for overseas trips up to six months long.

Other eligibility criteria also apply.

Interstate Flight Inconvenience Insurance

You're covered if, during an interstate flight, your luggage is lost or delayed or if you have to cancel or amend an interstate flight due to serious illness.

Transport Accident Insurance

Cover if you or members of your family die or are seriously injured in an accident while travelling.

Domestic Hotel Burglary Insurance

You can be reimbursed up to $2,500 for loss of, or damage to, personal items due to burglary of your hotel/motel in Australia.

Purchase Protection Insurance

Protection for new items purchased with your NAB Low Rate Platinum Card, if they're stolen or accidentally damaged within 90 days of the date of purchase.

Extended Warranty Insurance

If you purchase a new domestic appliance in Australia using your NAB Low Rate Platinum Card you'll receive an extension of its original Australian manufacturer's warranty for up to 12 months.

Price Protection Insurance

Shop with confidence within Australia knowing you can be reimbursed the difference between the price you paid for a new item with your NAB Low Rate Platinum Card and a lower printed advertised price for the same item.

The NAB card insurances is a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 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). The terms, conditions and exclusions of the complimentary insurances are 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. A qualifying purchase is required to get the benefits of the complimentary insurances.

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