* Purchase Rate Special Offer
Offer commenced 13 November 2017.
6 MONTH OFFER
The six-month offer is for approved applicants who apply for a new personal NAB Low Rate credit card before the offer is withdrawn. The special purchase interest rate will apply for a six month statement period from account opening. After the six month period, any unpaid purchases will then attract the card’s standard purchase rate (currently 12.99% p.a. as at 27 April 2020). Interest rates are subject to change and available at www.nab.com.au. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other offer.
1 Balance Transfer Standard Rate
After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au 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 Standard balance transfer rate and term may be varied or withdrawn at any time.
2 Interest free days on purchases
If you pay your account in full, or if your statement displays an interest free days payment, that amount in full, by the due date each month.
3 Additional cardholder
Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.
NAB recommends you consider the Internet Banking terms and conditions document, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. Instant digital card is available for Android only. Only available for NAB Visa Debit and Credit Card. For payments of $100 or over, you need to set a PIN for your card. To do so, login to the NAB App and head to the My cards section > Change my PIN. The NAB Mobile Banking app is compatible with Android OS 5.1 and above, and iOS 10.3 or later. Selecting our optional Quick Balances feature will disable your SMS account balance notifications. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.
Fees and charges
Please refer to our credit card terms and conditions to learn more. 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 13 November 2017.
Credit cards issued by National Australia Bank Limited. ©2018 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.
Forms and links
NAB Credit Card Terms and Conditions (PDF, 364KB)
NAB electronic banking (card based) Product disclosure statement (PDF, 300KB)
NAB Credit Card Cover Product disclosure statement and policy document (PDF, 472KB)
Personal banking fees – A guide to fees and charges (PDF, 316KB)
Indicator rates for other personal lending