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
|
19.74% p.a. |
|---|---|
| Standard balance transfer (BT) rate for 12 months 3% BT fee applies. Unpaid BT reverts to variable cash advance rate |
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.
-
Higher interest rates compared to our NAB Low Rate Card.
-
You won’t earn rewards points.
Ready to apply?
Apply online in 15 minutes and get a response in 60 seconds.
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.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
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.
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. 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 1 November 2023.
Credit cards issued by National Australia Bank Limited.
NAB Credit Card Terms and Conditions
NAB Electronic Banking (card based) terms and conditions
Personal banking fees – A guide to fees and charges (PDF, 177KB), opens in new window