Overview

  • Complimentary insurances - see the Insurance section for details.
  • NAB Concierge Service - your own 24/7 personal assistant.
  • Access to our 24/7 NAB Service Centre.

Benefits of Visa

Rates and fees

Variable purchase rate: 19.74% p.a.1

Variable cash advance rate: 21.74% p.a.1

Balance transfers: 0% p.a. for 12 months standard balance transfer rate.2

3% balance transfer fee applies.2

Annual card fee: $90

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.

Insurance

These insurances are complimentary with your NAB Premium Card3. These are just brief summaries, and you should read the NAB Card Insurance Policy Information Booklet (PDF, 506KB) for full details, including exclusions. You can also call Allianz Global Assistance on 1800 187 025.

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Whether you're looking for our lowest interest rate, a low fee card or a card that rewards you for everyday spend, we have a credit card to match.

Important information

1 Interest rates are current as at 1 August 2022 and are subject to change.

2 Balance transfer standard rate

After 12 months, any unpaid balance transfers will attract the variable cash advance rate (currently 21.74%p.a. as at 1 August 2022).

The one-off balance transfer fee of 3% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest rates are subject to change. While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time.

To process your balance transfer, we use your non-NAB card number to BPAY the balance transfer request. If your BPAY reference number for your non-NAB card isn’t your credit card number, we won’t be able to complete the balance transfer.

3AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allow eligible persons to claim under them as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth).

Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.

If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the insurance information booklet.

For cardholders of Premium, Platinum and Signature tier cards (and certain other cards that are no longer for sale, as listed in the policy information booklet), there are six included insurance covers: international travel insurance, interstate flight inconvenience insurance, transit accident insurance, rental vehicle excess in Australia insurance, purchase protection insurance and extended warranty insurance. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 31 March 2021 (PDF, 506KB) which may be amended from time to time. For insurable events that occurred prior to 31 March 2021, the eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 1 September 2019 (PDF, 440KB).

For cardholders of the NAB Low Fee Credit Card and the NAB VISA Debit Card (and certain other cards that are no longer for sale, as listed in the policy information booklet), there is one included insurance cover: purchase protection. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Purchase Protection Insurance Policy Information Booklet dated 31 March 2021 (PDF, 306KB) which may be amended from time to time. For insurable events that occurred prior to 31 March 2021, the eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Purchase Protection Insurance Policy Information Booklet dated 1 September 2019 (PDF, 279KB).

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