Upcoming personal credit card changes

From 18 April 2024, we’re making changes to personal credit cards and some updates to the terms and conditions.


  • Collect flybuys points on everyday purchases.
  • Complimentary insurances – see the Insurance section for details.
  • Up to 44 interest free days on purchases.
  • NAB Concierge Service - your own personal assistant available 24 hours, 7 days a week.
  • Access to our NAB Service Centre 24 hours, 7 days a week.

Rates and fees

Variable purchase rate

20.99% p.a

Variable cash advance rate

21.74% p.a.

Standard balance transfer rate

0% p.a. for 12 months
Balance transfers

We can’t process balance transfers from certain issuers – see our indicative list.

Balance transfer fee

3% balance transfer fee applies.

Annual card free


Other fees may apply.

All fees and interest rates are subject to change. Correct as at 5 February 2022. View full details of fees and charges.


Collect 1 flybuys point for every $1 spent on everyday purchases on your Visa card . Points are capped at $20,000 spend per statement.


These insurances are complimentary with your NAB flybuys Rewards Card . These are just brief summaries, and you should read the NAB Card Insurance Policy Information Booklet (PDF, 489KB), opens in new window for full details, including exclusions.

International travel insurance

Spend at least $500 of your prepaid transportation, accommodation, and/or land tour costs on your NAB flybuys Rewards Card prior to commencing your trip and you could be covered for travel cancellation, overseas medical expenses, lost luggage or travel documents.

Domestic travel insurance

Pay for your return domestic airfares in full on your NAB flybuys Rewards Card prior to departure and you could be covered if your luggage is lost or delayed, or if you have to cancel or change a domestic flight due to serious illness, injury or death. You also may be covered for the rental vehicle insurance excess if you rent a car.

Rental vehicle excess insurance in Australia

Designed to cover you where your rental vehicle was rented in Australia and is involved in an accident while you are driving it or is damaged or stolen.

Purchase protection insurance

You could be covered if new items you bought on your NAB flybuys Rewards Card are lost, stolen or accidentally damaged within 90 days of receiving the covered item.

Extended warranty insurance

Buy a new domestic appliance in Australia on your NAB flybuys Rewards Card and you could receive an extension of its original Australian manufacturer's warranty for up to 12 months.

Other NAB credit cards

Get in touch

Contact us

Visit our business banking contact page for how-to-guides and FAQs, as well as contact numbers.

Visit a NAB branch

Our business bankers are located all around Australia.

Terms and Conditions