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Enjoy 0% p.a. on balance transfers for 20 months on a new NAB Premium Card. 2% BT fee applies. BT reverts to cash advance rate.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
The new NAB app
NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.
Verified by Visa reduces online fraud by confirming your identity.
Add an additional cardholder at no extra cost5.
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.
* Balance Transfer Special Offer
Offer commences 13 November 2017. 20 MONTH OFFER - For approved applicants who apply for a new personal NAB Premium Card before the offer is withdrawn. The balance transfer interest rate will apply for a 20 month statement period from account opening. After the 20 months period, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au. 16 MONTH OFFER - For approved applicants who apply for a new personal NAB Low Fee Card before the offer is withdrawn. Nab may end or vary the offer as it relates to the NAB Low Fee Card. The balance transfer interest rate will apply for a 16 month statement period from account opening. After the 16 months period, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 November 2017). 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 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days on purchases 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 losing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.
1 Balance Transfer Standard Rate
After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time.
In addition to this Special Promotion BT Offer which is available only at card application, other balance transfer offers may be available on your card from time to time. You can find more information about these ongoing balance transfer offers and rates of your card.
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.
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, 478KB) 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).
This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions (PDF, 234KB) for full details.
Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.
NAB recommends you consider the Internet Banking terms and conditions document, available here, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. The NAB Mobile Banking app is compatible with Android OS 4.1 and above, and iOS 9 or later. Instant digital card is available for AndroidTM only. Only available for NAB personal Visa Debit and Credit Card. For payments of $100 or over, you need to set a PIN for your card. To do so, login to the NAB App or your NAB Internet Banking account, head to the My cards section > Manage my card > Change my PIN. The NAB Mobile Banking app is compatible with Android OS 4.1 and above, and iOS 9 or later. Selecting our optional Quick Balances feature will disable your SMS account balance notifications. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.
Visa payWave® is a registered trademark of Visa Worldwide Pte Limited. 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 13 November 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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