Apply for a credit card online
Complete the online application form and get a response in 60 seconds.
If conditionally approved, we may ask for additional information or documents (such as payslips or bank statements) to verify your information.
If approved, your physical card will arrive within five working days.
Start using your card. Find out about digital payments and use this card anywhere Visa is accepted, including for overseas and online purchases.
Unable to apply online?
If you’re unable to apply for a credit card online, you can visit a branch and have a banker assist you.
NAB credit card eligibility
To apply for a NAB credit card, you must be:
The following Visa categories are not acceptable:
What you need to have ready
Check that you have the following things with you when you do your application.
If you’re an existing customer, you can:
- save time and use your NAB ID to prefill your personal and NAB financial information
- save the progress of your online application by clicking Save and continue (you have 30 days to return and complete your application)
- speed up your application by uploading your recent financial documents in the application form.
You can find your NAB ID on the back of your NAB card or in your NAB app under My Details.
To resume your application, make sure you have your NAB ID and mobile phone with you.
We may ask to verify your income. 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.
If you’re a new customer, you’ll need to provide at least one form of ID in the online application form:
- Australian driver’s licence
- Medicare card
- Australian passport
- International passport.
If you prefer to visit a NAB branch to verify your identify, make sure you have the right combination of acceptable documentation.
You may be asked to provide recent financial documents (such as payslips or bank statements) when applying. Learn what documents we need to verify your income. You can speed up your application by having these ready.
Information you need to give us
How we assess your application
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.
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 variable cash advance rate
The minimum credit limit
Benefits and rewards
Use our tools below to determine which NAB credit card is the best option for you.
Help and support
We're here to help. Use our guides and support services to better manage your money.
Other ways we can help
Use our help guides, FAQs and other support services to help you manage your banking more easily.
Terms and Conditions
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NAB Internet banking or the NAB app
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. 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 1 November 2023.
Credit cards issued by National Australia Bank Limited.