Standard rates & fees

  • 13.99 %p.a.

    Standard purchase rate

  • 0 %p.a.

    for 6 months standard balance transfer rate. 2% balance transfer fee applies.1

  • 21.74 %p.a.

    Cash advance rate

  • $59

    Annual card fee

  • Up to 55

    Interest free days on purchases2

  • $500

    Minimum credit limit

Special offer


  • Enjoy 0% p.a. on purchases for 6 months on a new NAB Low Rate Card. 

    View disclaimer *
  • Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.


Fraud protection

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

Add another card?

Add an additional cardholder at no extra cost.3

Emergency assistance

We’re here for you 24/7 over the phone if your credit card is lost or stolen.

Save on interest

Enjoy our lowest everyday purchase rate.

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 Platinum Card

Enjoy our lowest interest rate on purchases, with the added benefits of complimentary insurances

NAB Low Fee Card

Our lowest annual fee card with no frills

NAB Rewards Classic Card

Earn NAB Rewards Points on your everyday spend

We're ready to help you

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