Features and benefits

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.

Save on interest

Enjoy our lowest every day purchase rate.

Add another card

Add an additional card holder at no extra cost.

Access to Visa Entertainment

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

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. 

Standard rates and fees

Variable purchase rate

12.99 % p.a.


Balance transfer rate

0 %

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

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 1 September 2021 and subject to change. Credit cards issued by National Australia Bank Limited.