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Enjoy 0% p.a. on balance transfers for 18 months on a new NAB Low Rate Card. 3% BT fee applies. BT reverts to cash advance rate.*
Minimum monthly repayments required. Apply by 31 May 2017. See important information below.
The new NAB app
Notify us of your travel plans, so we can protect your cards while you’re away
Provided you operate your account responsibly, if fraud occurs you'll be reimbursed for the fraudulent transaction.
Verified by Visa reduces online fraud by confirming your identity.
Add an additional cardholder at no extra cost5.
If your card is lost or stolen, you can block it via the NAB Mobile Banking app or call us anytime.
Tap and pay with your NAB credit card or your phone - with NAB Pay for Android.
Balance transfers are one way to consolidate your debt and give yourself some breathing space. By transferring a balance to NAB, you'll benefit from a transfer rate where you'll pay less interest.
Over 12 months you could save
Special offer! On a new NAB Velocity Rewards Premium card
P.A. on purchases For 15 MONTHS#
P.A. on balance transfers with a one off 2% balance transfer fee For 15 MONTHS#
The Balance Transfer Calculator estimates the amount you may be able to save by transferring to a NAB product. We’ll leave you to put in the amount you’re thinking of transferring and your current product’s purchase rate.
Of course, any request by you to transfer this amount will be subject to our assessment of your credit application. So keep in mind, you may not be eligible for a balance transfer for the full amount on your existing cards.
The interest rate displayed is our current balance transfer promotional interest rate.
We’ve also displayed our current promotional purchase interest rate.
All rates displayed are per annum.
This calculator only takes into account your current product’s purchase interest rate. You’ll also need to consider what other fees and charges apply to your current card and any discounts, or promotional offers, to assess any savings.
The estimated savings also do not take into account any fees applicable to your new NAB product, including any balance transfer fee that may apply. So to more accurately assess any savings you’ll need to read the product webpages on this site and understand what fees and charges will apply.
The estimated savings assumes that during the promotional period you make no cash advances and make the minimum monthly repayments each month required under the terms and conditions.
* 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.
1 Balance Transfer Standard Rate
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.
2 Interest free days on purchases
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.
Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.
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).
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. ©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.
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