Enjoy our balance transfer offer

Save on interest with 0% p.a. on balance transfers for 28 months . Plus, we’ll waive your $59 annual card fee for the first year when you apply for a new NAB Low Rate Card. (2% BT fee applies. BT reverts to the cash advance rate).

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

Offer may end at any time. Minimum monthly repayments required. Eligibility criteria and terms and conditions apply.

Rates and fees

Learn more about our standard interest rates and minimum credit limits.

Variable purchase rate

13.49 % p.a.


Interest free days on purchases 

Up to 55 days


Variable cash advance rate

21.74 % p.a.

Annual card fee  No annual card fee for your first year. This fee reverts to $59 p.a.
Minimum credit limit $1,000

Benefits of this card

Save on interest

Enjoy our lowest everyday purchase rate.

Fraud protection

NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.

Add another cardholder

Add an additional cardholder at no extra cost.

24/7 emergency assistance

We're here for you 24/7 over the phone if your credit card is lost or stolen.

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.

Digital wallet payments

Tap and pay with the smartphones and wearables you already own and use everyday.

Things to consider

We want to help you choose the right card, so here are a few things to consider about this card before you apply.

  1. Higher annual card fee than the NAB Low Fee Card.

  2. No complimentary insurances.

  3. You won’t earn rewards points.

Applying is easy

  1. You need to be at least 18 years old to apply

  2. Complete your application in 15 minutes and get a response in 60 seconds

  3. You may be asked to provide payslips or bank statements

Terms and Conditions

Credit Card Terms and conditions and Target Market Determination available here. 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 today and subject to change. Credit cards issued by National Australia Bank Limited.