Important Upcoming personal card changes

From 23 June 2025, we’re increasing fees on our NAB Personal credit cards (excluding NAB StraightUp Card). The late payment fee will increase from $15 to $20. The cash advance fee will increase from 3% or $3 (whichever is greater) to 3.5% or $3.50 (whichever is greater). 

Learn more about how to avoid these fees.

Upcoming Complimentary Insurance changes

Effective 1 July 2025 – For some NAB cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.

Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.

Please read the summary of changes for further details and how they will affect your insurance cover.

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Rewards

NAB Qantas Rewards credit cards

Suitable for earning Qantas Rewards Points for flights, products and more.

NAB Qantas Rewards Premium Card

Earn Qantas Points and enjoy platinum services and complimentary insurances.

Minimum credit limit

$6,000

Annual card fee

$ 295 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Complimentary insurances, including international travel insurance

  • Free Qantas Frequent Flyer membership (a saving of $99.50).

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

  • Opt out of replacing your physical card and use a digital card instead.
Considerations

  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card

  • Lower points earn per dollar compared to our NAB Qantas Signature Card.

  • Higher annual fee compared to some of our other cards.

Not the right card for you? We can help you choose a different one.

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Offer

70,000 bonus Qantas Points

  • 60,000 bonus points when you spend $2,000 on everyday purchases within the first 60 days of account opening and 10,000 bonus points when you keep your card for over 12 months.

  • You’ll also enjoy a reduced annual card fee (from $295 to $195) for the first year.

Bonus Points are not available if you’ve received a NAB Qantas rewards acquisition bonus points offer in the last 18 months.

Bonus points are credited to your points balance within three months of meeting the spend criteria.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Qantas Rewards Signature Card

Our highest Qantas Points earn rate with platinum services and complimentary insurances.

Minimum credit limit

$15,000

Annual card fee

$ 420 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Complimentary insurances, including international travel insurance

  • Free Qantas Frequent Flyer membership (a saving of $99.50).

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

  • Opt out of replacing your physical card and use a digital card instead.
Considerations

  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card

  • Higher annual fee compared to some of our other cards.

Not the right card for you? We can help you choose a different one.

Help me choose a card
Offer

Up to 120,000 bonus Qantas Points

  • 90,000 bonus points when you spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus points when you keep your card for over 12 months.

Bonus Points are not available if you’ve received a NAB Qantas rewards acquisition bonus points offer in the last 18 months.

Bonus points are credited to your points balance within three months of meeting the spend criteria.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response
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Explore NAB Qantas Rewards credit cards

NAB Rewards credit cards

Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more.

NAB Rewards Platinum Card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances.

Minimum credit limit

$6,000

Annual card fee

$ 195 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Complimentary insurances, including international travel insurance

  • Earn up to 2 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

  • Opt out of replacing your physical card and use a digital card instead.
Considerations

  • Higher interest rates compared to our NAB Low Rate Card

  • Lower point earn rate compared to our NAB Rewards Signature Card.

  • Higher annual fee compared to some of our other cards.

  • NAB Rewards Points cannot be used to redeem Qantas Points.

Not the right card for you? We can help you choose a different one.

Help me choose a card
Offer

Up to 100,000 bonus NAB Rewards Points

  • 80,000 bonus points when you spend $1,000 on everyday purchases within the first 60 days of account opening and 20,000 bonus points when you keep your card for over 12 months. That’s enough for $480 in gift cards.

Bonus Points are not available if you’ve received a NAB rewards acquisition bonus points offer in the last 18 months.

Bonus points are credited to your points balance within three months of meeting the spend criteria.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response
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NAB Rewards Signature Card

Our highest NAB Rewards Points earn rate with premium services and complimentary insurances.

Minimum credit limit

$15,000

Monthly card fee

$ 35 p.m.

Variable purchase rate

20.99 % p.a.

Benefits

  • Earn up to 3 NAB Rewards Points per $1

  • Complimentary insurances, including international travel insurance

  • Add an additional cardholder at no extra cost 

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

  • NAB Concierge Service

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Opt out of replacing your physical card and use a digital card instead.
Considerations

  • Higher interest rates compared to our NAB Low Rate Card

  • Higher annualised monthly fee compared to some of our other cards

  • NAB Rewards Points cannot be used to redeem Qantas Points.

Not the right card for you? We can help you choose a different one.

Help me choose a card

Key benefits of this card

  • A $35 monthly card fee, reversed if you spend $5,000 or more in a statement period

  • Fee-free international transactions

  • Complimentary delayed flight lounge pass

  • Uncapped points earn

  • Complimentary mobile phone insurance

  • Shop at the NAB Rewards Store, opens in new window

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Explore NAB Rewards credit cards

New
Earn Velocity Points

Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.

  • Convert 2 NAB Rewards Points into 1 Velocity Point. 

  • Enjoy hassle-free automatic redemption, which transfers your NAB Rewards Points direct into your Velocity account each month.

To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page.
To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB.
Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time.

View our available Velocity Points offers

Low rate

Low interest rate credit card offers

Your choice of offers to suit your credit needs, select either our promotional balance transfer offer or our cashback offer. May suit if you are not likely to pay off your closing balance in full every month.

NAB Low Rate Card balance transfer offer

Looking to transfer your existing credit card or store card debt to a new NAB credit card? Enjoy our promotional balance transfer offer for 24 months.

Minimum credit limit

$1,000

Annual card fee

$ 59 p.a.

Variable purchase rate

13.49 % p.a.

Benefits

  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

  • Opt out of replacing your physical card and use a digital card instead.
Considerations

  • Higher annual card fee than the NAB Low Fee Card.

  • You won’t earn rewards points.

  • No complimentary insurances.

Not the right card for you? We can help you choose a different one.

Help me choose a card
Offer

5.99% p.a. on balance transfers (BT) for 24 months with no BT fee

  • Enjoy 5.99% p.a. on balance transfers for 24 months with no BT fee on a new NAB Low Rate Card. Unpaid balance transfer reverts to variable cash advance rate.

  • $0 annual card fee for the first year, reverting to $59 p.a. from the second year.

    We can’t process balance transfers from certain issuers – see our indicative list.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response
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Find out more

NAB Low Rate Card cashback offer

Looking for a credit card that offers a low interest rate and provides $400 cashback?

Minimum credit limit

$1,000

Annual card fee

$ 59 p.a.

Variable purchase rate

13.49 % p.a.

Benefits

  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

  • Opt out of replacing your physical card and use a digital card instead.
Considerations

  • Higher annual card fee than the NAB Low Fee Card.

  • You won’t earn rewards points.

  • No complimentary insurances.

Not the right card for you? We can help you choose a different one.

Help me choose a card
Offer

 $400 cashback

  • $400 cashback when you spend $5,000 on purchases within 150 days from account opening.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Purchases must be processed and charged to your account in the 150 day period from account opening to count towards the spend criteria.
This offer is only available online. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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Low annual fees

Low annual fee credit cards

May suit you if you want a low fee card, with a choice of standard or platinum benefits.

NAB Low Fee Card

A no-frills card with our lowest annual fee and access to special offers, complimentary purchase protection insurance  and fraud protection.

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Our lowest annual fee card

  • Purchase Protection Insurance on personal items for loss, theft, or accidental damage

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

  • Opt out of replacing your physical card and use a digital card instead.
Considerations

  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card

Not the right card for you? We can help you choose a different one.

Help me choose a card
Offer

Enjoy $200 cashback

  • $200 cashback when you spend $1,500 on purchases within 90 days from account opening.

Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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Explore NAB low annual fee credit cards

No interest

No interest credit card

Our no interest credit card with no surprise charges – all for a simple monthly fee.

NAB StraightUp Card

No interest, late payment fees or international transaction fees, just a simple monthly fee. Note: From 5 May 2025, the NAB StraightUp Card will no longer be available for sale.

Credit limit

$1,000

$10 monthly fee

Credit limit

$2,000

$20 monthly fee

Credit limit

$3,000

$30 monthly fee

Benefits

  • One credit card for personal, everyday spending

  • No interest

  • Minimum monthly payment based on your credit limit

  • No late payment or international (online and overseas) transactional fees

  • No use, no pay (monthly fee reversed if balance is $0 for the whole statement period)

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Opt out of replacing your physical card and use a digital card instead.
Considerations

  • Restrictions on cash advances and gambling transactions.

  • No additional cardholders.

  • No rewards points or complimentary insurances.

  • No balance transfers.

Not the right card for you? We can help you choose a different one.

Help me choose a card

How NAB StraightUp works

  1. Choose a credit limit that suits you from three available options (easily change your limit through the NAB app anytime).

  2. No interest ever, just a flat monthly fee.

  3. Your fee is included in your minimum monthly payment.

  4. Your monthly fee is reversed if you don’t make any purchases and have an outstanding balance of $0 during the whole statement period.

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NAB credit card benefits and features

Digital wallet pay

Pay with the smartphones and wearables you already own and use everyday with our digital payment options.

Fraud protection

Fraud protection and online security so you can enjoy peace of mind with all your purchases.

24/7 Emergency assistance

If your card is lost or stolen, you can block it via the NAB app or call us any time.

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.

NAB credit card eligibility

To apply for a NAB credit card, you must be:

  • 18 years or older

  • Receiving a regular income

  • an Australian resident for tax purposes

  • an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency visa.

The following visa categories are not acceptable:

  • Visitor visa (exception, a Special Category visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.

Manage your card with the NAB app


Download the NAB app today to access the convenience of managing your cards online. Here are just a few things you can do.

 

  • Tap and pay for purchases with digital wallets.

  • Access your digital cards.

  • Use card controls to turn on or off contactless payments, online purchases, and overseas transactions.

  • Block, unblock and reorder your card if it's lost or stolen.

  • Notify us if you're going overseas so we can protect your card.

  • Switch to another NAB credit card.

  • Opt out of replacing your physical card and use a digital card instead.

How to manage your cards online

Help and support

We have guides and other resources to help you apply for a new credit card or manage an existing one.

View our help and support hub

Looking for a business credit card?

See our range of business credit cards to help you manage expenses and earn business rewards.

Explore our business credit cards

Learn more about the application process

How to apply for a credit card online

Learn more about what you’ll need to apply for a NAB credit card.

Personal Loan application customer support

Learn what happens after you apply for a personal loan.

Resume a saved application

Save the progress of your application and return at any time.

Understanding credit cards

How to get a good credit score

Learn how to improve your creditworthiness to help yourself get ahead.

How credit cards work

A guide to help you decide if a credit card is right for you and how to apply for one if it is.

Credit card or personal loan

Key differences between credit cards and personal loans.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Find a NAB branch

Important Information

Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.

Fees and charges
Read our credit card terms and conditions. Credit card 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 today.

Credit cards issued by National Australia Bank Limited.

NAB Credit Card Terms and Conditions

NAB Electronic Banking (card based) terms and conditions

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB), opens in new window

Credit card fees and charges

Indicator rates for other personal lending products