Offer
Balance transfer special offer
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
If you’d prefer a different offer, check out the eligibility criteria for our cash back offer of up to $400.
Rates and fees
| Variable purchase rate
|
13.49% p.a. |
|---|---|
| Promotional balance transfer (BT) rate for 24 months Pay 0% BT fee. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. |
5.99% p.a. |
| 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. |
Not the right card for you? We can help you choose a different one.
Eligibility Check you're eligible to apply online
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You're 18 years or older.
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You receive a regular income.
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You’re an Australian resident for tax purposes.
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You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.
Read important information for visa categories that are not acceptable.
Have these items ready
Are you an existing or new customer?
Existing
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
Save time and use your NAB Internet Banking login to pre-fill your personal and financial information (this may include debts you have with other financial institutions).
Be prepared and have the following documents and information ready before you start your application.
New
Be prepared and have the following documents and information ready before you start your application.
How to apply
Apply online today and start using your card in a few easy steps.
Step 1. Applying online is easy
Allow up to 15 minutes to complete the application form and get a response in 60 seconds.
Step 2. We’ll verify your application
If you’re conditionally approved, we may ask you for additional information or documentation, such as payslips or bank statements.
Step 3. Receive and activate your card
If approved, your physical card will arrive at your residential address within five to seven working days, or up to ten working days if you requested the card be sent to a branch. Activate and set up your new card using the NAB app or NAB Internet Banking.
Ready to apply?
If you've checked you're eligible to apply and have all your documents ready, let's get started.
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. Credit card 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 today.
Credit cards issued by National Australia Bank Limited.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.