1 Balance Transfer 32 Month Special Offer
Offer commenced 19 July 2021. The 0% p.a. on balance transfers for 32 months offer is for approved applicants who apply for a new personal NAB Low Rate Card before the offer is withdrawn. The special balance transfer interest rate of 0% p.a. will apply for a 32-month statement period from when the account is opened. After the 32-month period, any unpaid balance transfers will then attract the card’s cash advance rate (currently 21.74% p.a. as at 19 July 2021). Interest rates are subject to change and available on our website. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other offer.
No annual fee will be charged for the first year. The annual fee of $59 will be charged in the 13th month from when the account is opened.
If you want to proceed with our balance transfer, we’ll need your non-NAB card number to BPAY the balance transfer request. If your BPAY reference number for your non-NAB card isn’t your credit card number, we won’t be able to complete the balance transfer.
2 Interest free days on purchases
You will be able to receive 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. For more information visit nab.com.au/btchange.
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.
Consider the NAB Internet Banking terms and conditions which apply when using the NAB app, before making any decisions regarding this product. 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. Product issued by NAB.
Fees and charges
Terms and Conditions available here. Fees and charges are payable. Approval and credit limit are subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees are subject to change. Correct as at 19 July 2021.
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, 472KB)
Personal banking fees – A guide to fees and charges (PDF, 357KB)
Indicator rates for other personal lending