Rates and fees

Learn more about our standard credit card interest rates, annual card fees and credit limits that apply to this card.

Standard purchase rate

19.74 % p.a.

Balance transfer rate

0 % p.a.

Standard balance transfer (BT) rate for 12 months. 3% BT fee applies. Unpaid BT reverts to cash advance rate.

Interest free on purchases

Up to 44 days


Annual card fee

$ 90

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.

Minimum credit limit


Enjoy peace of mind with six complimentary insurances

Travel insurances

  • International travel insurance

  • Transit accident insurance

  • Interstate flight inconvenience insurance

  • Rental vehicle excess in Australia insurance


Purchase insurances

  • Purchase protection insurance

  • Extended warranty insurance

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.

Add another card

Add an additional cardholder at no extra cost.

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.

  1. Higher interest rates compared to our NAB Low Rate Card.

  2. You won’t earn rewards points.

Ready to apply?

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

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

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.Correct as at 5 February 2022.

Credit cards issued by National Australia Bank Limited.

Forms and links
NAB Credit Card Terms and Conditions

NAB Electronic Banking (card based) terms and conditions

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB), opens in new window

Personal banking fees – A guide to fees and charges (PDF, 356KB), opens in new window

Indicator rates for other personal lending products