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.
  • NAB Concierge Service - your own personal assistant 24 hours a day, seven days a week.
  • Access to our NAB Service Centre 24 hours a day, seven days a week.

Benefits of Visa

Rates and fees

Variable purchase rate

19.74% 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

$90 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.


These insurances are complimentary with your NAB Premium 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. You can also call Allianz Global Assistance (AGA) 1800 187 025.

International travel insurance

Cover for travel cancellation, overseas medical expenses, travel delay, lost luggage or travel documents, rental vehicle excess, accidental death, permanent disability and personal liability.

To qualify, use your NAB Premium Card to purchase a minimum of $500 of your prepaid transportation costs (including travel by air, rail, road or watercraft) and/or accommodation costs and/or organised land tour costs all of which are inclusive of any charges, fees and/or taxes (excluding foreign currency and travellers cheques) on your NAB Premium Card.

Other eligibility criteria also apply.

Domestic travel insurance

You're covered if, during a domestic flight, your luggage is lost or delayed or if you have to cancel or amend a domestic flight due to serious illness.

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

Protection for new items purchased with your NAB Premium Card, if they're stolen or accidentally damaged within 90 days of receiving the covered item.

Extended warranty insurance

If you purchase a new domestic appliance in Australia using your NAB Premium Card you'll receive an extension of its original Australian manufacturer's warranty for up to 12 months.

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