19.74 % p.a.
Rates and fees
Learn more about our standard interest rates and minimum credit limits.
Standard purchase rate
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 |
21.74% p.a. |
|---|---|
Minimum credit limit |
$1,000 |
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.
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Higher interest rates compared to our NAB Low Rate Card.
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You won’t earn rewards points.
Ready to apply?
Apply online in 15 minutes and get a response in 60 seconds.
Credit card tools and calculators
Need help finding the right card or want to see how much you could save with our credit cards? We have some handy tools to help.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
Help and support
We're here to help. Use our guides and support services to better manage your money.
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
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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 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
Personal banking fees – A guide to fees and charges (PDF, 356KB), opens in new window