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.


  • Complimentary insurances – see the Insurance section for details.
  • Up to 55 Interest free days on purchases.
  • Minimum Credit limit $6000.
  • Add an additional cardholder at no extra cost.

Rates and fees

Variable purchase rate

13.99% 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

$100 p.a.

Other fees may apply.

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


Complimentary insurances include:

  • International travel insurance
  • Domestic travel insurance
  • Rental vehicle excess insurance in Australia
  • Purchase protection insurance
  • Extended warranty insurance

View complimentary insurances

Benefits of Visa

Other NAB credit cards

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Terms and Conditions