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.
Rates and fees
Learn more about our standard credit card interest rates, annual card fees and credit limits that apply to this card.
| 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 |
$90 p.a. |
| Minimum credit limit | $6,000 |
| 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. |
Enjoy five complimentary insurances
Travel insurances
Purchase insurances
Please see the Important Information section about changes to these complimentary insurances effective 1 November 2023.
Benefits of this card
Get more for your money with complimentary services and access to great discounts and deals.
Visa Premium Access
Discover hundreds of deals, discounts and privileges with Visa Premium Access, opens in new window.
Concierge service
Your own 24 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge Service.
Fraud protection
NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.
Emergency assistance
We’re here for you 24 hours a day 7 days a week over the phone if your credit card is lost or stolen.
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.
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.
Make the most of your credit card’s features
Benefit from your credit card – your card’s features might be sitting there unused.
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 Rewards Platinum Card
Redeem NAB Rewards Points for a wide range in our NAB Rewards Store. Plus, enjoy complimentary insurances and Personal Concierge.
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 Card
Enjoy our lowest annual card fee of only $30, so you can save your cash for the things you love.
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