How to repay a credit card

Make a payment with the NAB app

Using the NAB app is a quick and easy way of making credit card repayments.

Log in to the NAB app.
Select your credit card to view the transaction history and review your purchases.
Click on the big red Pay button at the top of the screen and then select To your card.
Select the transaction account you want to pay your credit card from.
Select your preferred option (required payment, current balance, statement closing balance or other amount).
Click Next.
Confirm the details and click Pay now.

How to make a Payment

Helpful information

Required payment is the minimum payment and includes your monthly payment and any past due or overlimit amounts. It's accurate as at the last business day. This is the amount you need to pay by the due date in order to avoid a late payment fee and meet the terms and conditions of your account.

Current balance is the amount you currently owe on this credit card.

Statement closing balance is the amount you need to pay each month by your due date to avoid interest on purchases. This amount is accurate as at your statement date.

Make a payment with NAB Internet Banking

Log in to NAB Internet Banking.
Underneath the transaction account you wish to pay from, select Transfer funds.
Select the credit card account you wish to pay off.
Enter the amount you wish to pay and the description.
Click Next and confirm the payment details.

Make a payment over the phone with NAB Telephone Banking

You can make a credit card repayment by calling 13 22 65, 24 hours a day, seven days a week – calls from mobile phones are charged at applicable rates.

Set up a direct debit for your credit card repayments

Setting up a direct debit through the NAB app or NAB Internet Banking takes the hassle out of making repayments. Once you’ve set this up, you’ll see “NAB Card Autopay” showing in your chosen transaction account listing.

NAB Internet Banking

Log in to NAB Internet Banking (from your desktop).
Open Accounts and select Account details.
Select your credit card.
Click Create or modify Direct Debit.
Follow the prompts to complete the form.

NAB app

Log in to the NAB app.
Open My cards and select your credit card.
Scroll down to Payment due information.
Click Manage automatic payment.
Follow the prompts to complete the form.

How to manage your automatic Payment

Visit a NAB branch to make a payment

Visit your closest branch to make a repayment in person.

Make a payment via the post

Follow the instructions on your credit card statement to pay via post. We only accept cheque payments (no cash).

Make a payment in store at Australia Post

You can make a repayment at any Australia Post outlet that displays the Bank@Post^TM sign. You'll need your credit card and PIN.

Set up a direct debit for your credit card repayments

Setting up a direct debit through the NAB app or paper form takes the hassle out of making repayments.

NAB app

Log in to the NAB app.
Open My cards and select your credit card.
Scroll to Payment due information.
Select Manage Automatic payment.
Select Other Account.
Follow the prompts to complete the form.

Paper form

Open & print the Direct debit request form (PDF, 509KB)
Complete and sign the form
Return it to NAB

Use BPAY^®to make a payment

You can use BPAY® if you don’t have a NAB account.

Biller code: 1008
Customer reference number: your credit card number.

Allow 2 business days for BPAY payments to be credited.

If you’re having trouble making payments, call us immediately on 1800 701 599 from 8am-8pm Monday-Friday or 9am-1pm on Saturdays (AEST/AEDT). You might also want to read more about Customer Care.

Register for NAB Internet Banking

If you’re new to the NAB Internet Banking, the first step is to register. This will get you on your way to managing your money 24/7. Then all you’ll need is your NAB ID and security code.
Register now

Already have NAB Internet Banking?

Download the NAB Mobile Banking app straight away.

Important information

To help you remember the due dates for paying your credit card statements, we send proactive SMS reminders to eligible account owners (primary card holders). If you’re eligible to receive these reminders we’ll use the mobile number we have for you, unless you’ve opted out of receiving these messages. Alternatively, you can set up reminders via NAB Alerts within NAB Internet Banking, as above.

Reminders are not a substitute for checking payment due dates and your statements.

You can also stay on top of your payments by setting up a direct debit through the NAB app or NAB Internet Banking.

For the NAB app: NAB recommends you consider the Internet Banking terms and conditions before making any decisions regarding this product. This product is issued by National Australia Bank Limited. The NAB app is compatible with Android^TM OS 5.1 and above, and iOS 10.3 or later. Android is a trademark of Google LLC.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Bank@Post™ and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation.