Features and

Benefits

Our lowest interest rate

Enjoy our lowest interest rate on purchases

The NAB App

The NAB App gives you more control3

Complimentary insurance

Access to seven complimentary insurances when you make an eligible purchase4

Rates and Fees

  • 13.99 %p.a.

    Standard purchase rate

  • 0 %p.a.

    for 6 months standard balance transfer rate. 2% balance transfer fee applies. 1

  • 21.74 %p.a.

    Cash advance rate

  • $100

    Annual card fee

  • Up to 55

    Interest free days on purchases2

  • $6000

    Minimum credit limit

Applying made easy

The sign up process is simple and easy

  • Step 1 Apply online in 25 minutes and get a response in 60 seconds.
  • Step 2 We may ask you for payslips or bank statements.
  • Step 3 New to NAB? Get identified online. You need to be at least 18 years old.
  • Step 4 Receive your card in up to 5 working days.

Apply online in 25 minutes and get a response in 60 seconds.

Important information

*Offer commenced 25 February 2019. For approved applicants who apply for a new personal NAB Low Rate Platinum credit card before the offer is withdrawn. The special purchase interest rate will apply for a 15 month statement period from account opening. After the 15 month period, any unpaid purchases will then attract the card’s standard purchase rate (currently 13.99% p.a. as at 25 February 2019). Interest rates are subject to change and available at www.nab.com.au Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

1. After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 25 February 2019). The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest rates are subject to change and available at www.nab.com.au. Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time. In addition to this acquisition rate, which is available only at card application, other balance transfer offers may be available on your card from time to time. You can find out more information about the ongoing balance transfer rates of your card.

2. If you pay your account in full by the due date each month. You won’t receive interest free days if you have a balance transfer.

3. NAB recommends you consider the Internet Banking terms and conditions, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. Instant digital card is available for Android only. Only available for NAB Visa Debit and Credit Card. For payments of $100 or over, you need to receive your card and enter your PIN. The NAB Mobile Banking app is compatible with Android OS 5.0 and above, and iOS 10 or later. Selecting our optional Quick Balances feature will disable your SMS account balance notifications. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2018 Google LLC All rights reserved. Google and the Google logo are registered trademarks of Google LLC.

Visa payWave® is a registered trademark of Visa Worldwide Pte Limited.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information booklet (PDF, 478KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 275KB) which may be amended from time to time. NAB does not guarantee this insurance.

Credit card terms and conditions (PDF, 343KB). 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 25 February 2019 and subject to change. Credit cards issued by National Australia Bank Limited. ©2019 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.