Standard rates & fees

  • 19.74 %p.a.

    Standard purchase rate

  • 21.74 %p.a.

    Cash advance rate

  • 0 %p.a.

    for 6 months standard balance transfer rate. 2% balance transfer fee applies.1

  • $30

    Annual card fee

  • Up to 44

    Interest free days on purchases2

  • $1000

    Minimum credit limit

Find out more about rates and fees.

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.


Fraud protection

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

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.3

Add another card?

Add an additional cardholder at no extra cost.4

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment.

Discover more credit card benefits and what they can do for you.

Not the right card for you?

NAB Low Rate Card

Our lowest interest rate on purchases with no frills

NAB Low Fee Platinum Card

Our lowest annual fee card with platinum services and complimentary insurances View disclaimer 3

NAB StraightUp Card

No interest, late payment fees or international transaction fees, just a simple monthly fee.

We're ready to help you

If you have any questions or are unable to apply online, visit your nearest branch – we’ll be happy to help.

We're ready to help you

Talk to an expert
Contact us