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Low rate

Low interest rate credit card offers

Your choice of offers to suit your credit needs, select either our promotional balance transfer offer or our cashback offer. May suit if you are not likely to pay off your closing balance in full every month.

NAB Low Rate Card balance transfer offer

Enjoy our promotional balance transfer offer for 24 months.

Minimum credit limit

$1,000

Reduced annual card fee

$ 30 p.a.

Variable purchase rate

13.49 % p.a.

Benefits

  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • Special offers with Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies
Considerations

  • You won’t earn rewards points.

  • No complimentary insurances.
Offer

0% p.a. on balance transfers for 24 months with 3% BT fee, plus ongoing reduced annual fee

  • Enjoy 0% p.a. on balance transfers for 24 months on a new NAB Low Rate Card.  3% BT fee applies. Unpaid BT reverts to the variable cash advance rate.

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

  • Enjoy no annual fee for the first year and a $29 reduction in annual card fee thereafter (currently $59 to $30).

Balance transfer reverts to the variable cash advance rate after 24 month period (currently 21.74% p.a.).

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NAB Low Rate Card cash back offer

Enjoy $400 cashback, plus no annual fee for the first year.

Minimum credit limit

$1,000

Annual card fee

$ 59 p.a.

Variable purchase rate

13.49 % p.a.

Benefits

  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

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

  • Special offers with Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies
Considerations

  • You won’t earn rewards points.

  • No complimentary insurances.
Offer

 $400 cashback, plus no annual fee for the first year

  • $400 cashback when you spend $5,000 on purchases within 150 days from account opening.

  • Enjoy 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

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

  • Enjoy no annual card fee for the first year (fee reverts to $59 in year two).

Purchases must be processed and charged to your account in the 150 day period from account opening to count towards the spend criteria.
This offer is only available online. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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Low annual fees

Low annual fee credit cards

May suit you if you want a low fee card, with a choice of standard or platinum benefits.

NAB Low Fee Card

Our no frills credit card.

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Our lowest annual fee card

  • Purchase Protection Insurance on personal items for loss, theft, or accidental damage

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

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

  • Special offers with Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies
Considerations

  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card
Offer

Enjoy $200 cashback

  • $200 cashback when you spend $1,500 on purchases within 90 days from account opening.

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Rewards

NAB Qantas Rewards credit cards

Suitable for earning Qantas Rewards Points for flights, products and more.

NAB Qantas Rewards Premium Card

Earn Qantas Points and enjoy platinum services and complimentary insurances . See ‘Upcoming Complimentary Insurance changes’ for changes effective 15 May 2026.

Minimum credit limit

$6,000

Annual card fee

$ 295 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Complimentary insurances

  • Free Qantas Frequent Flyer membership (a saving of $99.50).

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

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

  • Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies
Considerations

  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card

  • Lower points earn per dollar compared to our NAB Qantas Signature Card.
Earning points

  • Earn 1 Qantas point per $1.50 up to $3,000 on everyday purchases on your Visa Card

  • Earn 1 Qantas point per $3 from $3,001 to $6,000 on everyday purchases on your Visa Card

Offer

Up to 80,000 bonus Qantas Points, plus reduced annual card fee in the first year

  • 60,000 bonus points when you apply for a NAB Qantas Rewards Premium Card, are approved and spend $2,000 on everyday purchases within the first 60 days of account opening and 20,000 bonus points when you keep your card for over 12 months.

  • Enjoy a $100 reduction in annual card fee (from $295 to $195) for the first year.

Bonus Points are not available if you’ve received a NAB Qantas Rewards Premium acquisition bonus points offer in the last 18 months.

Minimum spend of $2,000 in first 60 days required to earn Bonus Points.

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NAB Rewards credit cards

Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more.

NAB Rewards Platinum Card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances . See ‘Upcoming Complimentary Insurance changes’ for changes effective 15 May 2026.

Minimum credit limit

$6,000

Annual card fee

$ 195 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Complimentary insurances 

  • Earn up to 2 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

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

  • Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies
Considerations

  • Higher interest rates compared to our NAB Low Rate Card

  • Lower point earn rate compared to our NAB Rewards Signature Card.

  • Higher annual fee compared to some of our other cards.
Earning points

  • Earn 1 NAB Rewards Point for every $1 spent on everyday purchases

  • Earn 1.5 NAB Rewards Points for every $1 on purchases made at eligible Grocery stores

  • Earn 2 NAB Rewards Points for every $1 spent with Webjet

Offer

 Up to 100,000 bonus NAB Rewards Points

  • 80,000 bonus points when you apply for a NAB Rewards Platinum Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening and 20,000 bonus points when you keep your card for over 12 months. That’s enough for $450 in gift cards.

  • Enjoy a reduced annual card fee (from $195 to $95) for the first year.

Bonus Points are not available if you’ve received a NAB Rewards Platinum acquisition bonus points offer in the last 18 months.

Minimum spend of $3,000 in first 90 days required to earn Bonus Points.

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Important Upcoming Complimentary Insurance changes

Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.

Please read the summary of changes for further details and how they will affect your insurance cover.

NAB credit card benefits and features

Digital wallet pay

Pay with the smartphones and wearables you already own and use everyday with our digital payment options.

Fraud protection

Fraud protection and online security so you can enjoy peace of mind with all your purchases.

24/7 Emergency assistance

If your card is lost or stolen, you can block it via the NAB app or call us any time.

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment.

NAB credit card eligibility

To apply for a NAB credit card, you must be:

  • 18 years or older

  • Receiving a regular income

  • an Australian resident for tax purposes

  • an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency visa.

The following visa categories are not acceptable:

  • Visitor visa (exception, a Special Category visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.

Terms and Conditions

Terms and conditions apply to all NAB products and are available at nab.com.au. Fees and charges are payable. Approval and credit limit are subject to NAB’s credit assessment criteria. Information, including interest rates and annual card fees are subject to change. Correct as at 27 May 2025.