Before you apply online for a nab credit card

Are you eligible for a NAB credit card?

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

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

Read important information for visa categories that are not acceptable.1

What you need to have ready

If you’re an existing customer, save time and use your NAB ID to prefill your personal and NAB financial information.

You can find your NAB ID on the back of your NAB card or in your NAB app under My Details.

If you’re a new customer and don’t have a NAB ID, you can still apply online. However, you’ll need to provide at least one form of ID.2

Information you need to give us

  • Driver’s licence number (if you have one).
  • Employment details for the past three years.
  • Your income before and after tax.
  • What assets you own, including cars and homes.
  • What debts you owe, including personal loans, home loans, credit cards or buy now, pay later loans.
  • Your general living expenses including food and groceries, recreation, education and dependents, rent, medical and health, insurance, vehicle and transport.

You may be asked to provide recent financial documents (such as payslips or bank statements) when applying3. Speed up your application by having these ready.

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

1The 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.

2Provide at least one of the following forms of ID as part of the online application: Australian driver’s licence, Medicare card, Australian passport or International passport.

If you prefer to visit a NAB branch to verify your identify, you’ll need to bring identification documents that add up to 100 points or more after you’ve completed your application.

3If you’re an existing NAB customer, you may not be required to provide any documents as part of the application process. NAB will only ask you for documents if we can’t verify your 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.