With a 2% upfront balance transfer fee.

Balance transfers revert to your NAB credit card's standard cash advance rate. Minimum monthly repayments required. See important information below to find out more.

If you already have a personal NAB credit card and you're the primary cardholder, you can transfer the balance of your non-NAB credit or store cards to your NAB card at any time.

Examples of what you can save

Balance transfer amount Other card interest paid at 19.99% p.a. Your savings1
$5,000 $495.18 $395.18
$8,000 $792.29 $632.29

1 Comparison assumes standard purchase interest rate of 19.99% p.a. for other bank card or store card and that during the 6 month period you make only the required minimum monthly payment by the due date of 2% per month or $25 for 6 months, whichever is greater. Also that there's no other amounts owing on the NAB credit card during the 6 month period, and the 2% balance transfer fee has been charged to the NAB credit card, however no other fees or other charges have been included in these savings calculations.

How to apply if you already have a personal NAB credit card

There are three ways you can apply:

  1. use our online application form. It's simple and takes under 5 minutes to complete
  2. apply using the Mobile Banking app. It’s quick and simple. Go to the My Cards menu, select Manage My Card then click Request a balance transfer
  3. call us on 13 22 65 Mon-Fri 8am - 7pm (AEST/ADST) or Sat-Sun 9am - 6pm (AEST/ADST).
Once you’re approved, we’ll usually process the transfer within 5 to 10 business days so keep this in mind if you have a payment due.

Don't have a Personal NAB credit card yet?

You can still do a balance transfer when you apply for a new personal NAB credit card. Compare our credit cards.


Benefits of balance transfers
Benefits of balance transfers

Save on interest

Reduce the amount of credit card interest you're paying during the balance transfer period.

Fewer fees

Reduce the amount of credit card fees by consolidating your debt in one credit card.

Simplify your banking

Enjoy easier account management by having just one account and one monthly statement.


Important information

A standard balance transfer is only available to a primary cardholder. To apply for a standard balance transfer using one of the three options described on this page, you must have an existing personal NAB credit card. This standard balance transfer offer can't be transferred or combined with any other balance transfer offers.

This standard balance transfer offer is not available for balance transfers from another NAB credit card account or any current balance transfers.

You won't receive interest-free days on your purchases while you have an outstanding balance transfer.

The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer from a non-NAB credit card account is processed. The standard balance transfer rate and term may be varied or withdrawn at any time. View the full terms and conditions.

Minimum monthly repayments must be made by the due date each month. The balance transfer rate will apply for a 6 month statement period. After the balance transfer period, any unpaid balance transfers will attract your card's standard cash advance rate, currently 21.74% p.a. as at 03/07/2017. Interest rates are subject to change and are available at nab.com.au.

NAB credit card accounts linked to a rewards program will not earn points in relation to the balance transfer amounts.

Correct as at 03/07/2017. ©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

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