Rates and fees
|Standard purchase rate
|Standard balance transfer (BT) rate for 12 months
|Interest free days on purchases||Up to 44
|Annual card fee
|Minimum credit limit||$1,000|
|Cash advance rate
Not the right card for you? We can help you choose a different one.
Eligibility Check you're eligible to apply online
You're 18 years or older.
You’re applying on your own.
You receive a regular income.
You’re an Australian resident for tax purposes.
You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.
Have these items ready
Be prepared and have the following documents and information ready before you start your application.
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:
Existing NAB customers
Save time by using your personal NAB ID to pre-fill your personal and NAB financial 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.
Ready to apply?
If you've checked you're eligible to apply and have all your documents ready, let's get started.
Terms and Conditions
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