Help me choose the right credit product - NAB

Explore NAB products

How do 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.

Choosing between a credit card or personal loan

Key differences between credit cards and personal loans.

Need help choosing the right credit card?

An expert can help you compare credit card options and answer your questions. Select Talk to an expert to request a video or in-person appointment.

Shortly after you book your appointment, we’ll send you an email with a link to our webpage with information about how to apply for a credit card to help you prepare.

Talk to an expert

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.

Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026. If we make changes, these will be communicated in accordance with our terms & conditions.

Credit cards issued by National Australia Bank Limited. National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

Forms and links

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)

Credit card fees and charges

Indicator rates for other personal lending products