Two low annual fee cards to choose from

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

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

Minimum credit limit

$ 1,000

Annual card fee

$ 30

Standard 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 6 months standard balance transfer rate.  2% p.a. balance transfer fee applies. Unpaid balance transfer reverts to cash advance rate.

  • 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.

Get an instant response.

Our lowest annual fee platinum card with premium concierge services, special deals and six complimentary insurances.

Minimum credit limit

$ 6,000

Annual card fee

$ 90

Standard purchase rate

19.74 % p.a.

Benefits
  • Six complimentary insurances, including international travel insurance

  • Up to 44 interest free days on purchases

  • 0% p.a. for 6 months standard balance transfer rate.  2% p.a. balance transfer fee applies. Unpaid balance transfer reverts to cash advance rate.

  • 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.

Get an instant response.

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?

Looking for a balance transfer? 

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

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.

Terms and Conditions

Fees and charges
Terms and conditions available here. 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 13 November 2017.

Credit cards issued by National Australia Bank Limited.

Forms and links
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, 356KB), opens in new window

Indicator rates for other personal lending products