Important Upcoming Complimentary Insurance changes
Effective 1 July 2025 – For some NAB cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.
Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Please read the summary of changes for further details and how they will affect your insurance cover.
Choose one of our available credit card offers
Your choice of offers to suit your credit needs. Select from our promotional balance transfer (BT) offer or our cash back offer.
NAB Low Rate Card balance transfer offer
Looking to transfer your existing credit card or store card debt to a new NAB credit card? Enjoy our promotional balance transfer offer for 24 months.
Minimum credit limit
$1,000
Annual card fee
$ 59 p.a.
Variable purchase rate
13.49 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
5.99% p.a. on balance transfers (BT) for 24 months with no BT fee
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB Low Rate Card cashback offer
Looking for a credit card that offers a low interest rate and provides $400 cashback?
Minimum credit limit
$1,000
Annual card fee
$ 59 p.a.
Variable purchase rate
13.49 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
$400 cashback
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Purchases must be processed and charged to your account in the 150 day period from account opening to count towards the spend criteria.
This offer is only available online. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Rates and fees
Learn more about our standard interest rates and minimum credit limits.
| Variable purchase rate
|
13.49% p.a. |
|---|---|
| Interest free days on purchases | Up to 55 |
Annual card fee |
$59 p.a. |
| Minimum credit limit | $1,000 |
| Variable cash advance rate This is the interest rate charged on amounts you withdraw as cash, gambling transactions (including lottery ticket purchases), or transfer from your credit card to another account. |
21.74% p.a. |
Benefits of this low rate credit 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.
Unlock offers for existing customers
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more.
Here's how to get started:
New to NAB Internet Banking? Register now, opens in new window
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.
Balance transfer calculator
See if you could save money by transferring your credit card balance.
Help me choose the right credit product
Choose the right credit product with our easy-to-use tool.
Compare credit cards
Use our comparison tool to compare our credit card fees and features.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
How do credit cards work?
A guide to help you decide if a credit card is right for you and how to apply for one if it is.
Common credit card fees and ways to avoid them
Understand the different types of fees and ways to avoid paying them.
How to avoid paying credit card interest
Learn how interest on your card works, and ways to avoid paying it.
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.
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 card offers
Enjoy a low annual fee card plus platinum services and complimentary insurances.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
Fees and charges
Read our credit card terms and conditions. Credit card 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 today.
Credit cards issued by National Australia Bank Limited.
NAB Credit Card Terms and Conditions
NAB Electronic Banking (card based) terms and conditions
Indicator rates for other personal lending products
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.