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/gap year Visa
  • Transit/short stay/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 is unsuitable for you. This will include looking at your credit history, income, employment assets and expenses. Learn more about creditworthiness and why it matters.

Before you apply, you can use NAB Credit Health to get your illion credit history and credit score. Although, keep in mind that your credit history and score only forms part of our credit approval criteria.

The Online application process

  • Step 1 Apply online

    It takes around 15 minutes to complete the online application form.

  • Step 2 Get your response

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

  • Step 3 Verifying your application

    When we verify your application, we may ask you for extra information or documents such as payslips or bank statements. Learn more about what we need to verify your income.

  • Step 4 Start using your card

    If approved, you can start using your card straight away by setting up a Digital Wallet on your mobile device. New to NAB? You'll need to register for  Internet Banking first.


  • Step 5 Activate your card

    Your physical card will arrive within 5 working days. You can activate your card and set your PIN using the NAB App or Internet Banking, by calling us or visiting a branch.1

Ways to apply



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

Apply online

Call us on 13 13 12

8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT).


In person

You can apply at your nearest branch.

Important information

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

1NAB App and Internet Banking

NAB recommends you consider the Internet Banking terms and conditions, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. The NAB Mobile Banking app is compatible with AndroidTM OS 5.0 and iOS 10 and above, 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.

Credit Card Terms and Conditions available online. 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. © 2019 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.