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

 $1,000
Learn more about rates and fees

Offer
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.

Apply now
Calculate savings

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.

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.

Balance transfer calculator

Save money by transferring your credit card balance.

Help me choose the right credit card

Choose the right credit card with our easy-to-use tool.

Compare credit cards

Use our comparison tool to compare our credit card fees and features.

Understanding credit cards

Here are some handy guides to help you better understand how credit cards work.

How do credit cards work?

A guide to help you decide if a credit card is right for you and how to apply for one if it is.

Common credit card fees and ways to avoid them

Understand the different types of fees and ways to avoid paying them.

How to avoid paying credit card interest

Learn how interest on your card works, and ways to avoid paying it.

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.

View our help and support hub

Other credit cards to consider

Still trying to decide on the right card for you? Here are a few more options to consider.

NAB StraightUp Card

Learn more about our no interest credit card.

NAB Low Fee Card

Enjoy our lowest annual card fee of only $30, so you can save your cash for the things you love.

NAB Low Fee Platinum Card

Enjoy a low annual fee card plus platinum services and complimentary insurances.

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.

Find a branch

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