Current offer

On a New NAB Velocity Rewards Card


  • Enjoy 4.99% p.a. on balance transfers for 6 months on a new NAB Velocity Rewards Card. BT reverts to cash advance rate.

  • Minimum monthly repayments required. See important information below.


  • 19.99 %p.a.

    Standard purchase rate

  • 4.99 %p.a.

    for 6 months standard balance transfer rate*

  • 21.74 %p.a.

    Cash advance rate

  • $95

    Annual fee

  • Up to 44

    Interest free days on purchases1

  • $500

    minimum credit limit test

Card features

Two cards linked to one account gives you the benefits of both Visa and American Express. Unlock offers and experiences at Amex Connect.

Get up to 44 days interest free if you pay your closing balance by the due date each month1.

Special offers on shows, events, experiences and movies from Visa Entertainment

The new NAB app


Block and Unblock

Lost your card? Temporarily block, unblock or reorder with the touch of a button

One Touch ID

Securely login with your unique Touch ID (iPhone customers only)

Instant Digital Card

New card on the way? No need to wait, use your phone to tap and pay (Android customers only)

Overseas Travel Notifications

Notify us of your travel plans, so we can protect your cards while you’re away

Card Controls

With just a swipe, turn on or off payWave, online and overseas transactions

Tap and Pay

Make everyday purchases easy, with NAB Pay for Android

All NAB credit cards come with these great benefits

Fraud protection

NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.


Online security

Verified by Visa and American Express SafeKey® reduce online fraud by confirming your identity.

Another card?

Add an additional cardholder at no extra cost6.

24/7 emergency assistance

If your card is lost or stolen, you can block it via the NAB Mobile Banking app or call us anytime.

Contactless Payments

Tap and pay with your NAB credit card or your phone - with NAB Pay for Android.

Apply online in 15 minutes and get a response in 60 seconds.

Tools and calculators

See how much you could save
Transfer your credit card balance


Please enter valid interest rate between 0.00 and 100.00


Please enter valid amount higher than 200

Why do a balance transfer?

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

0 %
on purchases For 15 MONTHS#


0 %
on balance transfers with a one off 2% balance transfer fee For 15 MONTHS#

20 ,000
Bonus Velocity Points when you make an everyday purchase within 90 days#


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.

Calculator Assumptions

Interest rate

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.

Monthly repayments

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.

Not the right card for you?

Take off sooner with our fastest way to earn Velocity Frequent Flyer Points, with the added benefit of complimentary insurances3

Find out more

Get more out of your everyday purchases and earn Qantas Frequent Flyer Points.

Find out more

With our lowest annual fee, you'll have more to spend on what you want.

Find out more