12.99 % p.a.
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.
-
Higher annual card fee than the NAB Low Fee Card.
-
No complimentary insurances.
-
You won’t earn rewards points.
Standard rates and fees
Variable purchase rate
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
-
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
Terms and Conditions
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
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.