Rates and fees

Standard purchase rate
 19.74% p.a.
Standard balance transfer (BT) rate for 12 months
3% BT fee applies. Unpaid BT reverts to cash advance rate 		0% p.a.
Interest free days on purchases Up to 44
Annual card fee
 $30
Minimum credit limit $1,000
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.

Not the right card for you? We can help you choose a different one. 

Help me choose a card

Eligibility Check you're eligible to apply online

  1. You're 18 years or older.

  2. You’re applying on your own.

  3. You receive a regular income.

  4. You’re an Australian resident for tax purposes.

  5. You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.

Read important information for visa categories that are not acceptable.

Have these items ready

Be prepared and have the following documents and information ready before you start your application.

  • Maximum credit limit you would like to apply for.

  • Employment details for the past three years.

  • Your financial information - income, assets, debts and expenses.

You may need to provide recent financial documents (such as payslips or bank statements) while applying. Have these ready to speed up your application.

New NAB customers

If you’re a new NAB applicant, or don't have any active NAB accounts, you’ll need to provide at least one of the following forms of ID:

  • Australian driver’s licence, Medicare card, Australian passport or international passport.

Existing NAB customers

Save time by using your personal NAB ID to pre-fill your personal and NAB financial details.

  • You can find your NAB ID on the back of your NAB card or in your NAB app under My Details.

How to apply

Apply online today and start using your card in a few easy steps.

Step 1. Apply online

Allow up to 15 min to complete the application form.

Step 2. Fast outcome

Get a response in 60 seconds for a conditional approval. If your application is conditionally approved, it’s then subject to verification.

Step 3. Processing your application

To verify your application, we may ask you for additional information or documentation, such as payslips or bank statements.

Step 4. Receive your card

If approved, your physical card will arrive within five working days. Activate it by using the NAB app or NAB Internet Banking, calling us or visiting a branch.

Step 5. Start using your card

Set up your digital wallet and use this card anywhere Visa is accepted, including for overseas and online purchases.

Ready to apply?

If you've checked you're eligible to apply and have all your documents ready, let's get started.

Apply now

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.

Credit cards issued by National Australia Bank Limited.