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

  • $30

    Annual card fee

  • Up to 44

    Interest free days on purchases2

  • $500

    Minimum credit limit


Fraud protection

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

Save on annual fees

Reduce ongoing card costs with our lowest annual card fee.

Complimentary purchase protection insurance

For loss or theft of, or accidental damage to new personal items purchased with your card anywhere in the world, for three months from the date of purchase.3

Add another card?

Add an additional cardholder at no extra cost.4

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment.

Apply online in 25 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 Platinum Card

Our lowest annual fee card with platinum services and complimentary insurances View disclaimer 3

NAB Rewards Classic Card

Earn NAB Rewards Points on your everyday spend

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