1 Balance transfer special offer
Offer commenced 26 April 2021.
26 MONTH OFFER
The 0% p.a. on balance transfers for 26 months offer is for approved applicants who apply for a new personal NAB Low Rate credit card before the offer is withdrawn.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 of 0% p.a. will apply for a 26-month statement period from when the account is opened. After the 26-month period, any unpaid purchases will then attract the card’s cash advance rate (currently 21.74% p.a. as at 26 April 2021). Interest rates are subject to change and available on our website. The balance transfer fee is 2% of the balance transferred and will be applied at the time the balance is transferred to NAB. 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.
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.
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
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 26 April 2021.
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
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