How to change your credit card limit


You can request an increase or decrease to your personal credit card limit in the NAB app.

Download the latest version of the NAB app and go to the ‘My cards’ menu, select the card, select ‘Usage controls’ and then ‘Change your credit limit’.

NAB Internet Banking (Desktop)

When opened on your desktop NAB Internet Banking offers the ability to increase or decrease your credit card limit. Go to the ‘My cards’ menu, select the card and then ‘Change my credit card limit’.

If you don’t have the NAB app or NAB Internet Banking, you can visit your local branch or call 13 22 65, Mon-Fri 8am - 7pm, Sat 7am - 6pm and Sun 9am - 6pm (AEST/AEDT).

Business credit cards

If you have a business or corporate card, you can contact the Corporate and Business Servicing team on 13 10 12, Mon-Fri 8am - 8pm (AEST/AEDT) and Sat-Sun 9am - 6pm (AEST/AEDT), or speak to your Relationship Manager if you have one.

What happens next?

Credit Limit Increases

For credit card limit increase requests, you’ll be asked to provide information on: current employment, income (before and after tax), assets, liabilities and expenses. This will include providing proof of income documentation (e.g pay slips). This information is needed to ensure your requested increased limit is suitable for your circumstances.

We’ll then verify the information and assess your request. That usually takes a few days.

Regardless of the way you request an increase, we may also need to call you for more information, or to validate the information you’ve provided. So, be sure to keep your phone handy in the week following your application. We’ll do our best to let you know the outcome of your application within a week.

Credit Limit Decreases

If you visit a local branch or call to request a credit limit decrease we’ll process your request as soon as possible whereas NAB Internet Banking and the NAB app is instant.

If you’re decreasing your credit limit, you can't go any lower than your current balance or the minimum product limit.

  • Signature cards: $15,000
  • Platinum/Premium cards: $6,000
  • Other cards: $500

Managing your credit card debt

Have you really thought about your credit card?

Your credit card offers you great flexibility. Flexibility in making purchases. Flexibility in making repayments. Flexibility in managing your debt. But it's important to remember, like any debt, you'll have to repay it.

What’s the best way of using your credit wisely?

Any debt facility you agree to requires care in its use. You need to make sure you can maintain your payments within the terms of your credit card contract.

Please let us know if you'd like another copy of the terms and conditions applicable to your NAB credit card account.

Tips to help you manage your credit card’s credit limit

You can always pay more than your ‘Minimum Payment’

Your credit limit is set to help you control your opportunity to overspend. It's important to make sure you manage your balance so the repayment you choose to make is within your budget.

The minimum payment amount due on your statement is just that - it's the least you must pay to keep your account in order.

You have the option of paying more than the minimum payment amount due. By paying more you'll reduce the amount of interest you accrue on the amounts owing e.g. individual purchases and cash advances, until they are repaid in full.

Stop and call us if you get into trouble

If you find you're unable to make repayments within your budget, or foresee changes in your personal circumstances that may affect your ability to make your repayments, the first thing to do is stop using your card immediately.

Then, please contact us on 13 22 65. We may be able to restructure your payments or work out a repayment plan to help you manage and ultimately clear your debt.

You can reduce your credit limit

You can reduce your credit limit instantly via NAB Internet Banking or in he NAB app. Alternatively you can call on 13 22 65, Mon-Fri 8am - 7pm, Sat 7am - 6pm and Sun 9am - 6pm (AEST/AEDT).

Important information

NAB recommends you consider the Internet Banking terms and conditions document, available here before making any decisions regarding NAB Internet Banking or the NAB app. NAB Internet Banking and the NAB app are issued by National Australia Bank Limited. The NAB app is compatible with AndroidTM OS 5.1 and above, and iOS 10.3 or later.

Android is a trademark of Google LLC.

iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

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