Save and easily manage payments

Bring the balances of your non-NAB cards across to your NAB credit card account to take control of your finances today. 
No balance transfer fee applies.

Here's an example of how you can save

Balance transfer amount

Other card interest paid at 19.99% p.a.

Your savings^

$5,000

Other card interest paid at 19.99% p.a.

$2,518.95

Your savings^

$2,518.95

$8,000

Other card interest paid at 19.99% p.a.

$4,030.32

Your savings^

$4,030.32

^Comparison assumes standard purchase interest rate of 19.99% p.a. for other non-low rate bank card or store card and that during the 32 month period you make only the required minimum monthly payment by the due date of 2% per month or $25 for 32 months, whichever is greater. Also that there's no other amounts owing on the NAB credit card during the 32 month period, however no other fees or other charges have been included in these savings calculations.

Applying for a NAB balance transfer is simple and takes under 5 minutes.

Get in touch

Visit a NAB branch

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

Terms and Conditions

Interest free days on purchases applies if you pay your account in full by the due date each month. If you have a balance transfer, then you must pay the ‘interest free days payment’ listed on your statement in full, by the due date each month. For more information visit nab.com.au/btchange. Minimum monthly repayments must be made by the due date each month. NAB will apply any payment you make in accordance with the order set out in the NAB card account terms (applied to the highest interest rate balance first). The promotional balance transfer rate will apply for a 32 month statement period. After the promotional period, your card's standard cash advance rate applies (subject to change) see nab.com.au/creditcardrates. Personal NAB credit card accounts linked to a rewards program will not earn points in relation to the balance transfer amounts.

Processing your new balance transfer request

  • NAB will process each request for a balance transfer on the Balance Transfer Request and debit your NAB card account in accordance with your request, provided:
  • Each balance transfer amount is $200 or more.
  • The total of the balance transfer amounts is less than the available credit on your NAB card account at the time the balance transfer request is processed (NAB will transfer balance transfer amounts in full or in part in the order they appear on this balance transfer request up to the available credit).
  • The nominated account(s) are non-NAB credit card or store card accounts issued in Australia and are not in default (e.g. overdue or over-limit) under their applicable terms and conditions on the date of this balance transfer request, or at the date request is processed. Debit cards with overdraft (credit) facilities are not acceptable.
  • NAB may refuse any balance transfer request at its discretion (including if your cash access has been reduced or removed)

Your obligations to make payments to your non-NAB nominated account in accordance with its terms and conditions continue. Also, it's your responsibility to close the nominated account if that's your decision. NAB will not be liable for any loss arising from a delay in processing or your failure to close a non-NAB nominated account.

Credit Card Terms and conditions available. 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 21 July 2021 and subject to change. Credit cards issued by National Australia Bank Limited.