Credit card repayments and interest

How credit card interest is calculated

There's a complete explanation of how we calculate credit card interest in your account's terms and conditions.

How to make credit card repayments

You can transfer money from your NAB accounts to your credit card through:

Other ways to make payments to your credit card include:

  • using the Direct debit request form (PDF, 509KB) to set up a direct debit from an account of your choice
  • using BPAY® - the biller code to use is 1008 and your customer reference number is your complete credit card number
  • at any NAB branch
  • by post, using the reply paid envelope we send your credit card statement. Please note we only accept bank cheque by post - No cash
  • at any Australia Post outlet displaying the Bank@PostTM sign. You'll need your credit card and PIN.
  • Pay your credit card quickly and easily using Pay Now in our Mobile Banking app. Go to My cards, scroll to My previous statement click Make payment.

Avoiding late payment fees

To avoid the late payment fee you need to pay at least the minimum amount shown on your statement by the due date.

To help you remember this due date, we offer free SMS and email credit card payment reminders through NAB Internet Banking.

You can see your minimum monthly payment on your credit card statement.

If you’re having trouble making repayments, call us straightaway on 1800 701 599 from 8am-8pm Monday-Friday or 9am-1pm on Saturdays (AEST/AEDT). You might also want to read more about Customer Care.

We're ready to help you

Talk to an expert
Call 13 22 65

Mon-Fri 8am - 7pm (AEST/ADST)
Sat-Sun 9am - 6pm (AEST/ADST)