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 p.a.
Variable purchase rate
19.74 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Up to $240 cash back
Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
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 p.a.
Variable purchase rate
19.74 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
0% p.a. on balance transfers (BT) for 12 months
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
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.
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?
Credit card tools and calculators
Get help to choose the right card or help calculate savings with a balance transfer.
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.
Other cards and offers to consider
Contact us
Visit a NAB branch
If you have any questions or are unable to apply online, visit us in branch – we’ll be happy to help.
Terms and Conditions
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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 August 2022.
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
Personal banking fees – A guide to fees and charges (PDF, 356KB), opens in new window