Rates and fees

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.

Not the right card for you? We can help you choose a different one. 

Eligibility Check you're eligible to apply online

  1. You're 18 years or older.

  2. You receive a regular income.

  3. You’re an Australian resident for tax purposes.

  4. You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.

Read important information for visa categories that are not acceptable.

Have these items ready

Are you an existing or new customer?

Existing

Save time and use your NAB Internet Banking login to pre-fill your personal and financial information (this may include debts you have with other financial institutions).

  • You can find your NAB ID on the back of your NAB card or in your NAB app under My Details.

Be prepared and have the following documents and information ready before you start your application.

  • Maximum credit limit you would like to apply for.

  • Employment details for the past three years.

  • Your financial information - income, assets, debts and expenses.

  • Proof of income (such as payslips or bank statements).

New

Be prepared and have the following documents and information ready before you start your application.

  • At least one form of ID (Australian driver’s licence, Medicare card, Australian passport or international passport).

  • Maximum credit limit you would like to apply for.

  • Employment details for the past three years.

  • Your financial information - income, assets, debts and expenses.

  • Proof of income (such as payslips or bank statements).

How to apply

Apply online today and start using your card in a few easy steps.

Step 1. Applying online is easy

Allow up to 15 minutes to complete the application form and get a response in 60 seconds.

Step 2. We’ll verify your application

If you’re conditionally approved, we may ask you for additional information or documentation, such as payslips or bank statements.

Step 3. Receive and activate your card

If approved, your physical card will arrive at your residential address within five to seven working days, or up to ten working days if you requested the card be sent to a branch. Activate and set up your new card using the NAB app or NAB Internet Banking.

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

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 13 February 2024.

Credit cards issued by National Australia Bank Limited.