12.99 % p.a.
Rates and fees
Enjoy low credit card interest on everyday purchases and no annual card fee for the first 12 months.
Standard purchase rate
Balance transfer rate
0 % p.a.
Promotional balance transfer (BT) rate for 32 months. No BT fee applies. Unpaid BT reverts to cash advance rate.
Interest free on purchases
Up to 55 days
Annual card fee
$ 59
Reduced to $0 for the first year.
Cash advance rate |
21.74% p.a. |
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Minimum credit limit |
$1,000 |
Offer
0% p.a. BT for 32 months with no BT fee
Benefits of this card
Save on interest
Enjoy our lowest everyday purchase rate.
Fraud protection
NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.
Add another cardholder
Add an additional cardholder at no extra cost.
24/7 emergency assistance
We're here for you 24/7 over the phone if your credit card is lost or stolen.
Visa Entertainment
Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.
Digital wallet payments
Tap and pay with the smartphones and wearables you already own and use everyday.
Things to consider
We want to help you choose the right card, so here are a few things to consider about this card before you apply.
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Higher annual card fee than the NAB Low Fee Card.
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No complimentary insurances.
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You won’t earn rewards points.
Credit card tools and calculators
Need help finding the right card or want to see how much you could save with our credit cards? We have some handy tools to help.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
Help and support
We're here to help. Use our guides and support services to better manage your money.
Other ways we can help
Use our help guides, FAQs and other support services to help you manage your banking more easily.
Other credit cards to consider
Still trying to decide on the right card for you? Here are a few more options to consider.
Contact us
Visit a NAB branch
If you have any questions or are unable to apply online, visit us in branch – we’ll be happy to help.
Terms and Conditions
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Fees and charges
Read our credit card terms and conditions. Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change.Correct as at 5 February 2022.
Credit cards issued by National Australia Bank Limited.
Forms and links
NAB Credit Card Terms and Conditions
NAB Electronic Banking (card based) terms and conditions
Personal banking fees – A guide to fees and charges (PDF, 356KB), opens in new window