Important Upcoming personal card changes
From 23 June 2025, we’re increasing fees on our NAB Personal credit cards (excluding NAB StraightUp Card). The late payment fee will increase from $15 to $20. The cash advance fee will increase from 3% or $3 (whichever is greater) to 3.5% or $3.50 (whichever is greater).
Learn more about how to avoid these fees.
Upcoming Complimentary Insurance changes
Effective 1 July 2025 – For some NAB cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.
Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Please read the summary of changes for further details and how they will affect your insurance cover.
Offer
Enjoy $200 cashback
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.
If you’d like more information, you can read more about how cashback works.
Rates and fees
Learn more about our standard interest rates and minimum credit limits.
| Variable purchase rate
|
20.99% p.a. |
|---|---|
| Standard balance transfer (BT) rate for 12 months 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.
|
0% p.a. |
| Interest free days on purchases | Up to 44 |
| Annual card fee |
$30 p.a. |
| Minimum credit limit | $1,000 |
| Variable 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. |
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 90 days from when you get your item.
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.
-
Higher interest rates compared to our NAB Low Rate Card.
-
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.
Balance transfer calculator
Work out how much money you could save if you transfer your non-NAB credit card debt to a NAB credit card.
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.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
How do credit cards work?
A guide to help you decide if a credit card is right for you and how to apply for one if it is.
Common credit card fees and ways to avoid them
Understand the different types of fees and ways to avoid paying them.
How to avoid paying credit card interest
Learn how interest on your card works, and ways to avoid paying it.
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.
NAB StraightUp Card
Learn more about our no interest credit card.
NAB Low Rate Card
Our low rate credit cards can give you the peace of mind that comes with a low interest rate.
NAB Low Fee Platinum Card - no longer for sale
Enjoy a low annual fee card plus platinum services and complimentary insurances.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
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Fees and charges
Read our credit card terms and conditions. Credit card 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
Indicator rates for other personal lending products
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.