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

  • $90

    Annual card fee

  • Up to 44

    Interest free days on purchases2

  • $6000

    Minimum credit limit

Find out more about rates and fees.


Fraud protection

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

Add another card?

Add an additional cardholder at no extra cost.4

Emergency assistance

We’re here for you 24/7 over the phone if your credit card is lost or stolen.

Concierge service

Your own 24 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge Service.5

Visa Premium Access

Discover hundreds of deals, discounts and privileges with Visa Premium Access.

Things to consider when choosing this card

  • Higher interest rates compared to our NAB Low Rate Card.
  • You won’t earn rewards points.

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

Complimentary insurances

Complimentary insurances3

  • International travel insurance
  • Transit accident insurance
  • Interstate flight inconvenience insurance
  • Rental vehicle excess in Australia insurance
  • Purchase protection insurance
  • Extended warranty insurance

Find out more

Apply online in 15 minutes and get a response in 60 seconds.

Not the right card for you?

NAB Low Rate Card

Our lowest interest rate on purchases with no frills

NAB Low Fee Card

Our lowest annual fee card with no frills

NAB Rewards Platinum Credit Card

Earn NAB Rewards Points to redeem on gift cards, travel, tech and more, plus enjoy complimentary insurances. View disclaimer 3

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.