Standard rates & fees

  • 12.99 %p.a.

    Standard purchase rate

  • 0 %p.a.

    for 32 months promotional balance transfer (BT) rate. No BT fee applies. Unpaid BT reverts to cash advance rate.1

  • 21.74 %p.a.

    Cash advance rate

  • $59

    Annual card fee (reduced to $0 for the first year).1

  • Up to 55

    Interest free days on purchases2

  • $1000

    Minimum credit limit

Find out more about rates and fees.

Special offer


  • Enjoy 0% p.a. on balance transfers (BT) for 32 months with no BT fee on a new NAB Low Rate Card. Unpaid BT reverts to cash advance rate.

    View disclaimer 1
  • Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below

  • Plus, enjoy no annual fee for the first year (usually $59).


fraud protection

Fraud protection

NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.

add another card

Add another card?

Add an additional cardholder at no extra cost.3

emergency assistance

Emergency assistance

We’re here for you 24/7 over the phone if your credit card is lost or stolen.

save on interest

Save on interest

Enjoy our lowest everyday purchase rate.

visa entertainment

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment.

Things to consider when choosing this card

  • Higher annual fee than the NAB Low Fee Card.
  • No complimentary insurances.
  • You won’t earn rewards points.

Discover more credit card benefits and what they can do for you.

Frequently asked questions

What's a credit card?

The official term is ‘revolving line of credit’. In normal speak it’s a card with a set amount of funds (called a 'limit’) you can borrow at any time. That’s the important word: borrowed. Like other loans, credit cards also come with an interest rate.

They have a regular repayment cycle, so the amount of interest you’ll pay will differ each month. It’s determined by how much you spend, how much you repay, and when you repay it.

Find out more about how credit cards work

How's interest calculated?

Interest is calculated daily. The daily interest is based on that day’s closing balance. That’s the total of everything you haven’t paid back (including fees, purchases, cash advances and balance transfers), plus any interest charges.

For example if the interest rate is 18% per annum, and you have $100 outstanding on your balance, you will be charged 18% per annum of $100, or approximately $1.50 per month.

Learn how to avoid paying credit card interest

Not the right card for you?

NAB StraightUp Card

No interest, late payment fees or international transaction fees, just a simple monthly fee.

NAB Low Fee Platinum Card

Enjoy our lowest interest rate on purchases, with the added benefits of complimentary insurances

NAB Low Fee Card

Our lowest annual fee card with no frills

We're ready to help you

If you have any questions or are unable to apply online, visit your nearest branch – we’ll be happy to help.