Overview

  • See the insurance section for details and the complimentary insurance changes effective 15 May 2026.
  • Up to 55 Interest free days on purchases.
  • Minimum Credit limit $6000.
  • Add an additional cardholder at no extra cost.

Rates and fees

Variable purchase rate

13.99% p.a.

Variable cash advance rate

21.74% p.a.

Standard balance transfer rate

0% p.a. for 12 months
Balance transfers

We can’t process balance transfers from certain issuers – see our indicative list.

Balance transfer fee

3% balance transfer fee applies.

Annual card free

$100 p.a.

Other fees may apply.

Annual card fee and interest rates are subject to change. Correct as at 5 February 2022.  View full details of fees and charges.

Important Upcoming Complimentary Insurance changes

Effective 15 May 2026, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed.

Please read the summary of changes for further details and how they will affect your insurance cover.

Insurance

Complimentary insurances include:

  • International travel insurance
  • Domestic travel insurance
  • Rental vehicle excess insurance in Australia
  • Purchase protection insurance
  • Extended warranty insurance

View complimentary insurances

Benefits of Visa

Other NAB credit cards

NAB Low Rate Card

Our low rate credit cards can give you the peace of mind that comes with a low interest rate.

NAB Low Fee Card

Enjoy our lowest annual card fee of only $30, so you can save your cash for the things you love.

Credit cards

Compare between our credit cards to find the right one for you.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Find a NAB branch

Terms and Conditions

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.