Here are some tips to get your credit card ready to use and to take advantage of all its benefits and features.


Why sign when you have a PIN? Shop assistants need your signature if they have to manually process your sale, or if you’re travelling overseas to a location that doesn’t accept PINs.

Signature-only cards

If you find it challenging to use a PIN on your credit or debit card due to a disability or medical condition, we have 'signature-only' cards.

Signature-only cards let you make purchases in person, using a signature instead of a PIN.

Make sure your card is ready to use

Already a NAB customer? In most cases you'll receive your card inactive. You should activate your card as soon as you receive it, even if you don’t plan to use it very often. Login to the NAB app or your NAB Internet Banking account and head to My cards. Click on your new card and select Activate. Follow the prompts to activate your card and set your PIN.

There’s just one thing to be aware of – you’ll need to be registered for SMS Security before you can activate your card and set your PIN via the NAB app or NAB Internet Banking.

If you're new to NAB and didn’t complete an identity check when you applied, you'll need to verify yourself.

We'll let you know if you do need to visit a NAB branch to complete your ID check. You’ll need to provide 100 points of identification including one form of primary and one form of secondary.

Here's a list of ID types you can use:

  • Birth certificate, passport or citizenship certificate (70 points each).
  • Driver's licence, social security card or proof of age card (70 points each).
  • Medicare card (30 points).


It’s easy to manage your credit card account online on any device using the NAB app or NAB Internet Banking.

NAB app

Find out more about the NAB app.

NAB Internet Banking

Find out more about NAB Internet Banking.

Download the NAB app

Register for NAB Internet Banking

If you’re new to 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


You can change your PIN at anytime in the NAB app or NAB Internet Banking. Here’s how:

NAB app

  1. Login to the NAB app
  2. Open the My cards menu and select your card
  3. Select Change your PIN
  4. Follow the prompts to choose a new PIN

NAB Internet Banking

  1. Login to NAB Internet Banking
  2. Open the My cards menu and select your card
  3. In the Manage my card section, select Change my PIN
  4. Follow the prompts to choose a new PIN

Avoid choosing obvious numbers like:

  • A numeric code which represents your birth date.
  • An alphabetical code which is a recognisable part of your name.
  • Digits from your telephone number or post code.
  • Repeating characters (like 2222).
  • Using digits in sequence (like 1234).
  • Other numbers people might know or guess easily.

If you'd like more information on how to keep your accounts safe refer to cyber safety tips for you.


Set up NAB Pay in the NAB app

If you have an Android™ phone and want to make contactless payments with your NAB Visa credit or debit card, NAB Pay lets you tap and pay on the go so you don’t have to carry your cards everywhere.

For payments $100 or over, you'll need to enter your card's PIN.

We’ve got many other ways you can make purchases, whether it’s with a wearable device or using your phone. Check out all the ways to pay with your NAB credit card.

Add an additional cardholder

Add an additional cardholder like a partner or a family member, at no extra cost, and share all the benefits of your account with them. It’s also another way to maximise your credit card rewards points if you have a rewards credit card.

You can easily set up an additional cardholder when you register and login to Internet Banking.

NAB app

  1. Login to the NAB app
  2. Open the My cards menu and select your card
  3. Select Usage controls and select Add another cardholder
  4. Follow the prompts

NAB Internet Banking

  1. Login to NAB Internet Banking
  2. Open the My cards menu and select your card
  3. In the Manage my card section, select Add an additional cardholder
  4. Follow the prompts

The person you nominate to use your account must be over 16 years old. It’s your credit card account and as the primary cardholder you're responsible for all use of the account, including transactions made by the additional cardholder. Remember, you’re responsible for the debt.

Request a balance transfer

If you’re the primary cardholder, you can transfer a balance from another financial institution to your existing NAB credit card at any time in one of the following ways:

Find out more about balance transfers and whether a balance transfer is right for you.

Link your credit card to your cheque or savings accounts

Why carry more than one card at a time? You can use one card to access money from your transaction accounts as well as your credit card account. Call 13 22 65 and ask us to link your credit card to the other accounts you use to withdraw from an ATM or EFTPOS.

Link your rewards program to your card

NAB Rewards

When you apply for a NAB Rewards credit card you’ll automatically be set up to start earning points as soon as you use your card.

Qantas Frequent Flyer

When you apply for a NAB Qantas credit card, remember to include your rewards program membership number in your application. Then we can link your card(s) to your rewards membership. If you already have a NAB credit card but haven’t told us your rewards membership number, contact us on 13 22 65 so we can link your card to your rewards program membership.

Use your Signature card or Platinum card benefits

Make sure you remember to use all the features and benefits of your credit card. For example, our range of Signature, Platinum or Premium cards offer additional benefits like:


Making sure that you pay your credit card on time is important and can save you money in interest and fees. There are many different ways to make a payment to your credit card. You can:

  • Pay your credit card quickly and easily using Pay Now in the NAB app.
    • Select your credit card and view the transactions
    • Click the big red Pay button and select To your card
    • Enter in the relevant details that you wish to pay
  • Set up a direct debit through the NAB app or NAB Internet Banking from your everyday account.
  • Transfer funds from your everyday NAB account each month using the NAB app, NAB Internet Banking, Telephone Banking or a NAB ATM.
  • Pay at any Australia Post outlet displaying the Bank@PostTM sign. You'll need your credit card and PIN.

Set up reminders and automatic payments

We recommend you either set up an email or SMS payment reminder using NAB Alerts or set up a direct debit through the NAB app or NAB Internet Banking to avoid missing a payment, especially if you’re going on holidays. If you’re setting up direct debit payments, here's a handy list of service providers to make things easier.

Register for online statements

For easy access to your credit card statements, register to get your statements online instead of a paper copy.

Learn how to read your credit card statement.


Now you're set up and ready to start using your card and enjoying the benefits.

Manage my card has more handy information to help you use your card.

Important information

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

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