Rates and fees

Learn more about our standard interest rates and minimum credit limits.

Standard purchase rate

19.74 % p.a.

Balance transfer rate

0 % p.a.

Standard balance transfer (BT) rate for 12 months. 3% BT fee applies. Unpaid BT reverts to cash advance rate.

Interest-free on purchases

Up to 44 days


Annual card fee

$ 30

Cash advance rate
This is the interest rate charged on amounts you withdraw as cash, gambling transactions (including lottery ticket purchases), or transfer from your credit card to another account.

 21.74% p.a.

Minimum credit limit


Understanding annual fees

The low fee on this card is based on an annual fee. This means you usually get charged when you first activate your account, and then around the same time every 12 months afterwards.

Benefits of this card

Get more for your money with complimentary services and special offers through Visa Entertainment.

Save on annual fees

Reduce ongoing card costs with our lowest annual card fee.

Complimentary purchase protection insurance

For loss or theft of, or accidental damage to new personal items purchased with your card anywhere in the world, for three months from the date of purchase.

Add another cardholder

Add an additional cardholder at no extra cost.

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.

Fraud protection

NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.

Digital wallet payments

Tap and pay with the smartphones and wearables you already own and use everyday.

Things to consider

We want to help you choose the right card, so here are a few things to consider about this card before you apply.

  1. Higher interest rates compared to our NAB Low Rate Card.

  2. You won’t earn rewards points.

Ready to apply?

Apply online in 15 minutes and get a response in 60 seconds.

Other ways we can help

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

Other credit cards to consider

Still trying to decide on the right card for you? Here are a few more options 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

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 5 February 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

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