Rates and fees
Learn more about our standard interest rates and minimum credit limits.
Variable purchase rate
|
12.49% p.a. |
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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. |
Offer
Promotional 0% p.a. balance transfer (BT) for 28 months with 2% BT fee
Take advantage of our balance transfer offer to help pay off your existing credit card balance/s sooner.
Offer
Up to $300 cash back
Looking for a credit card that not only offers a low interest rate but provides up to $300 cash back?
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
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.
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.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
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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. 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 1 November 2023.
Credit cards issued by National Australia Bank Limited.
NAB Credit Card Terms and Conditions
NAB Electronic Banking (card based) terms and conditions
Personal banking fees – A guide to fees and charges (PDF, 177KB), opens in new window