12.99 % p.a.
Our balance transfer offer on the NAB Low Rate Card could help you consolidate your debt and reduce the interest you pay on it. Plus you'll enjoy a range of great benefits.
Enjoy our lowest every day purchase rate.
Add an additional card holder at no extra cost.
Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.
We want to help you choose the right card, so here are a few things to consider about this card before you apply.
Higher annual card fee than the NAB Low Fee Card.
No complimentary insurances.
You won’t earn rewards points.
Variable purchase rate
12.99 % p.a.
Balance transfer rate
Promotional balance transfer (BT) rate for 32 months. No BT fee applies. Unpaid BT reverts to the variable cash advance rate.
Variable cash advance rate
21.74 % p.a.
|Annual card fee||$0 p.a. for the first year. This fee reverts to $59 p.a.|
|Interest free days on purchases||up to 55 days|
|Minimum credit limit||$1,000|
You need to be at least 18 years old to apply
Complete your application in 15 minutes and get a response in 60 seconds
You may be asked to provide payslips or bank statements
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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 1 September 2021 and subject to change. Credit cards issued by National Australia Bank Limited.