Important Upcoming credit card changes

From 13 September 2024, we’ll be making changes to several of our NAB credit cards. These include:

Two low annual fee cards to choose from

Choose from a low fee card with platinum benefits, or one with no frills.

NAB Low Fee Card

A no-frills card with our lowest annual fee and access to special offers, complimentary purchase protection insurance  and fraud protection.

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

19.74 % p.a.

 

Benefits

  • Our lowest annual fee card

  • Purchase Protection Insurance on personal items for loss, theft, or accidental damage

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies
Considerations

  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card

Not the right card for you? We can help you choose a different one.

Help me choose a card
Offer

Enjoy $200 cashback

  • $200 cashback when you spend $1,500 on purchases within 90 days from account opening.

Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response
Apply now
Find out more

NAB Low Fee Platinum Card

Our lowest annual fee platinum card with premium concierge services, special deals and complimentary insurances, opens in new window.

Minimum credit limit

$6,000

Annual card fee

$ 90 p.a.

Variable purchase rate

19.74 % p.a.

Benefits

  • Complimentary insurances, including international travel insurance

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

    We can’t process balance transfers from certain issuers – see our indicative list.

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies
Considerations

  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card

Not the right card for you? We can help you choose a different one.

Help me choose a card

0% p.a. on balance transfers (BT) for 12 months

  • Enjoy 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response
Apply now
Find out more

Benefits of a NAB low fee credit card

A low fee card comes with these benefits.

Save on fees

Flexibility to spend more on what’s important to you with our low annual fee cards.

Fraud protection

Shop with confidence knowing your purchases are protected from fraud with enhanced online security.

Add another card

Add an additional cardholder at no extra cost.

Did you know

What 'credit card' actually means

The official term is ‘revolving line of credit’. In normal speak it’s a card with a set amount of funds (called a 'limit’) you can borrow at any time. That’s the important word: borrowed. Like other loans, credit cards also come with an interest rate.

Want to learn more?

Learn how credit cards work

Credit card tools and calculators

Get help to choose the right card or help calculate savings with a balance transfer.

Help me choose a card

Choose the right credit product with our easy-to-use tool.

Compare credit cards

Use our comparison tool to compare our credit card fees and features.

Balance transfer calculator

See if you could save money by transferring your credit card balance.

Looking for a balance transfer? 

Balance transfers are a way to help you manage your credit card debt and give you some breathing space.

Learn more about balance transfers

Help and support

Get expert tips using our helpful guides or access our support services, if you need them.

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

View our help and support hub

Other cards and offers to consider

NAB Low Rate Card

Our low rate credit cards can give you the peace of mind that comes with a low interest rate.

NAB StraightUp Card

Learn more about our no interest credit card.

Credit card offers

View our latest credit card offers with low interest rates, offers on balance transfers and rewards points.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Find a NAB branch

Terms and Conditions

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 today.

Credit cards issued by National Australia Bank Limited.

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), opens in new window

Personal banking fees – A guide to fees and charges (PDF, 158KB), opens in new window

Indicator rates for other personal lending products