Rates and fees

Enjoy low credit card interest on everyday purchases and no annual card fee for the first 12 months.

Standard purchase rate

12.99 % p.a.

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
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.

Minimum credit limit


0% p.a. BT for 32 months with no BT fee

  • Available on a new NAB Low Rate card. This could help you to consolidate your debt and reduce the amount of interest you pay on it. Try using our balance transfer calculator to see how much you could save.

  • Enjoy no annual fee for the first year (usually $59).

    No balance transfer fee applies. Minimum monthly repayments required. NAB may vary of end this offer at any time. See important information.

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.

  1. Higher annual card fee than the NAB Low Fee Card.

  2. No complimentary insurances.

  3. You won’t earn rewards points.

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

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

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB), opens in new window

Personal banking fees – A guide to fees and charges (PDF, 356KB), opens in new window

Indicator rates for other personal lending products