Before starting your application, we’d like to make sure you meet our eligibility criteria and have the right documentation ready.

If you're an existing NAB customer, save time by using your NAB ID:

  • Pre-filled personal details
  • Pre-filled NAB financial details

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0% P.A. ON BALANCE TRANSFERS (BT) FOR 32 MONTHS WITH NO BT FEE

  • Enjoy 0% p.a. on balance transfers for 32 months with no balance transfer fee on a new NAB Low Rate Card.

    *

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

  • Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below. 
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  • 12.99 %p.a.

    Standard purchase rate

  • 0.00 %p.a.

    for 32 months promotional balance transfer rate. No balance transfer fee applies.*

  • 21.74 %p.a.

    Cash advance rate

  • $59

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

  • Up to 55

    Interest free days on purchases1

  • $1000

    Minimum credit limit

man is holding a checklist

Check you’re eligible to apply online

  • I am 18 years or older
  • I am an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency Visa
  • I receive a regular income.

The following Visa categories are not acceptable:

  • Visitor Visa (exception, a Special Category Visa – NZ Citizen is acceptable)
  • Working Holiday Visa
  • Student Visa
  • Exchange or gap year visa
  • Transit, short stay or seasonal visa
  • Bridging Visa.
Have these items ready

Have these items ready

  • Your NAB ID which is located on the back of your NAB card. If you’re a new customer and don’t have a NAB ID you can still apply, but you may be required to visit a branch to verify your identity.
  • Driver’s licence number (if you have one) and personal details.
  • Employment details for the past three years.
  • Your financial information - income, expenses, assets and debts.
    • You can upload your supporting documents in the application form. If you can’t upload your documents, the confirmation email we send will outline other ways you can provide the documents.
  • You’ll also be asked to set a limit for the credit amount you want for your card.

WHAT'S THE PROCESS

  • Apply online

    Allow up to 15 min to complete the application form. 

  • Fast outcome

    Get a response in 60 seconds for a conditional approval. If your application is conditionally approved, it’s then subject to verification.

  • Processing your application

    To verify your application, we may ask you for additional information or documentation, such as payslips or bank statements.

  • Receive your card

    If approved, your physical card will arrive within five working days. Activate it by using the NAB app or NAB Internet Banking, calling us or visiting a branch.^

  • Start using your card

    Set up your digital wallet and use this card anywhere Visa is accepted, including for overseas and online purchases.

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