If you’re applying for a credit card online, we can help guide you through the process. Learn about our eligibility requirements, the identification documents you might need for your application and how long the online application process might take.

To apply for a NAB credit card online you need to be:

  • 18 years or older
  • an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency Visa*
  • receiving a regular income

*The following Visa categories are not acceptable:

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

What we look for

We’ll look at your creditworthiness and take steps to ensure you’re not given a product that isn’t right for you. This includes looking at your credit history, income, employment assets and expenses. Learn more about creditworthiness and why it matters.

The Online application process

  • Step 1 Apply online

    Allow up to 15 min to complete the application form.

  • Step 2 Fast outcome

    Get a response in 60 seconds for a conditional approval. If your application is conditionally approved, it’s subject to verification.

  • Step 3 Processing your application

    To verify your application, we may ask for additional information or documents, like payslips or bank statements.

  • Step 4 Receive your card

    If approved, your physical card will arrive within five working days. Activate it using the NAB appNAB Internet Banking, calling us or visiting a branch.^

  • Step 5 Start using your card

    Set up your digital wallet and use your card anywhere Visa is accepted, including overseas and online purchases.

Need help choosing the right card?

Whether you’re looking for your first-ever credit card or you’re reviewing your current card, it can sometimes feel overwhelming to compare all the different types available.

Here are the top five things to look out for:

  • what interest rates apply
  • the cash advance rate
  • annual fees
  • the minimum credit limit
  • benefits and rewards

Use our tools below to determine which NAB credit card is the best option for you.

Unable to apply online?

If you’re unable to apply for a credit card online, you may visit a branch and a banker will assist you.

Ways to apply



It’s easy, secure and takes around 15 minutes.

Apply online
In person

In person

You can apply at your nearest branch.

Important information

Terms, conditions, fees, charges and lending criteria apply.

^NAB App and Internet Banking

Consider the NAB Internet Banking terms and conditions which apply when using the NAB app, before making any decisions regarding this product. 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. Product issued by NAB.

Please read the Credit Card Terms and Conditions. Fees and charges are payable. Approval and credit limit are subject to NAB's credit assessment criteria. Information, including interest rates and fees are subject to change.

Credit cards issued by National Australia Bank Limited.