1 Balance Transfer Standard Rate
After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time.
2 Interest free days on purchases
If you pay your account in full, or if your statement displays an interest free days payment, that amount in full, by the due date each month.
Included insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a number of insurance group policies to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allow eligible NAB cardholders to claim under them as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
For cardholders of Premium, Platinum and Signature tier cards, there are seven included insurance covers: overseas travel, interstate flight inconvenience, transport accident, domestic hotel burglary, extended warranty, price protection and purchase protection. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 1 September 2019 (PDF, 439KB) which may be amended from time to time. For insurable events that occurred prior to 1 September 2019, please refer to NAB Card Insurance Policy Information Booklet dated 1 November 2018 (PDF, 477KB). NAB does not guarantee this insurance.
For cardholders of the NAB Low Fee Card, there is one included insurance cover: purchase protection. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 279KB) which may be amended from time to time. NAB does not guarantee this insurance.
4 Additional cardholder
Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.
5 Concierge service
This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions (PDF, 240KB) for full details.
NAB recommends you consider the Internet Banking terms and conditions document, available here, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. The NAB Mobile Banking app is compatible with Android OS 5.1 and above, and iOS 10.3 or later. Instant digital card is available for AndroidTM only. Only available for NAB personal Visa Debit and Credit Card. For payments of $100 or over, you need to set a PIN for your card. To do so, login to the NAB App and head to the My cards section > Change my PIN. Selecting our optional Quick Balances feature will disable your SMS account balance notifications. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.
Visa payWave® is a registered trademark of Visa Worldwide Pte Limited. Fees and charges
Terms and conditions available here. 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 March 2018.
Credit cards issued by National Australia Bank Limited. ©2018 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.
Forms and links
NAB Credit Card Terms and Conditions (PDF, 343KB)
NAB electronic banking (card based) terms and conditions (PDF, 300KB)
NAB Credit Card Cover Product disclosure statement and policy document (PDF, 472KB)
Personal banking fees – A guide to fees and charges (PDF, 517KB)
Indicator rates for other personal lending products