Are you 18 years or older?
Select Yes or No. You need to be at least 18 to apply for a credit card.
Are you already a NAB personal customer?
Select Yes or No. If you're already a NAB personal customer we'll already have some of your details. This helps us process your application.
Title/salutation
Either select your title, or enter it in Other.
First name
Enter your full first name as it appears on official identification like your driver's licence or passport.
Other name(s)
If you have a middle name, enter it as it appears on official identification like your driver's licence or passport.
If you don't have a middle name, leave this space blank.
Surname
Enter your surname or family name as it appears on official identification like your driver's licence or passport.
Date of birth
You need to be at least 18 years old to apply for a credit card. Select the day, month and year you were born.
Marital status
Choose the option that best describes your current situation.
Number of financial dependants
Select the number of people that rely on you financially. A financial dependant is someone who you pay costs for. This can include children (of any age), grandparents, foster children, etc.
Are you a permanent Australian Resident?
You're a permanent resident if you're a citizen, or if you live in Australia and have either an Australian passport or a permanent visa.
You can still apply if you're not a permanent resident.
Driver's licence no.
Enter the number exactly as it appears on your driver's licence. Leave this field blank if you don't have an Australian driver's licence.
Employment status
Select the option that best describes your current working situation. If you're working we'll ask for more employment details on the next page.
What is your NAB Identification Number (NAB ID)?
You can find your NAB ID on the back of your credit card or debit card.
Home phone no., Work phone no., and Mobile no.
We need at least one phone number. For home and work numbers, enter your state's area code in the first box. Don't use any spaces, dashes, or other separators.
Email address
Enter your full email address with no spaces. We'll email you about your application.
I want to receive offers and promotional information from NAB and its related companies sent to my nominated email address
Select this option if you want to receive emails from us.
If you're not a permanent Australian resident or citizen we'll need the last overseas address you lived in.
Flat/unit
If your previous address includes a letter or number for a flat, unit or apartment, enter it here. Otherwise leave this space blank.
Street no.
Enter the street number with no spaces, commas or other separators.
Street name
Enter the street name without the street type (eg. street, road, avenue, etc.).
Street type
Enter the rest of the street's name (eg. street, road, avenue, etc.).
Suburb/town
Enter the suburb or town of your previous address.
Postcode
Enter your postcode with no spaces or other separators.
Country
Select the country of your previous address.
If you don't have a residential address in Australia, or if you only have a Roadside Mailbox (RMB) or Roadside Delivery (RSD) number, you can't apply online. You can apply over the phone by calling 13 13 12 from 8am - 9pm Mon-Fri and 9am - 6pm weekends (AEST/ADST).
Residential status
Select the option that best describes your living arrangement.
Flat/unit
If your address includes a letter or number for a flat, unit or apartment, enter it here. Otherwise leave this space blank.
Street no.
Enter your street number with no spaces, commas or other separators.
Street name
Enter the name of your street. Leave out the street type (eg. street, road, avenue, etc.).
Street type
Enter the rest of your street's name (eg. street, road, avenue, etc.).
Suburb/town
Enter the suburb or town you live in.
State
Select your state from the list. If you don't have an Australian address, you can't apply online.
Postcode
Enter your four-digit postcode with no spaces or other separators.
When did you move to this address?
Select month and year from the list.
Is your postal address the same as your current address?
If you select Yes, we'll send your mail to the address you've just entered. If you select No we'll get you to enter your postal address.
If you haven't lived at your current address for at least three years, we'll need the last address you lived in as well.
Flat/unit
If your previous address includes a letter or number for a flat, unit or apartment, enter it here. Otherwise leave this space blank.
Street no.
Enter the street number with no spaces, commas or other separators.
Street name
Enter the street name without the street type (eg. street, road, avenue etc.).
Street type
Enter the rest of the street's name (eg. street, road, avenue, etc.).
Suburb/town
Enter the suburb or town of your previous address.
State
If you're entering an Australian address, select the state. For an overseas address, leave this blank.
Postcode
Enter your postcode with no spaces or other separators.
Country
Select the country of your previous address.
Time at this address
Enter the number of years and months you lived at this address.
Your postal address must be in Australia.
PO Box/Locked Bag
Select either PO Box or Locked Bag and enter its number. Otherwise, select N/A.
Flat/unit
If your postal address includes a letter or number for a flat, unit or apartment, enter it here. Otherwise leave this space blank.
Street no.
Enter the street number with no spaces, commas or other separators.
Street name
Enter the street name without the street type (eg. street, road, avenue, etc.).
Street type
Enter the rest of the street's name (eg. street, road, avenue, etc.).
Suburb/town
Enter the suburb or town of your postal address.
Postcode
Enter the four-digit postcode with no spaces or other separators.
State
Select the state from the list. Your postal address must be in Australia.
If you want to, you can give us the name and phone number of someone else. We'll contact this person if we have trouble getting in touch with you. Please choose someone who doesn't live with you - a relative is best.
Contact's name
Enter the person's full name.
Contact phone number
Enter the person's phone number. Include the area code but don't use any spaces, dashes or other separators.
Occupation/Job title
Select the best match to your job title or occupation.
Company name (or business name)
Enter the name of the company (or business) you work for.
Employer address
Enter the street address of your employer's business.
Suburb/town
Enter the suburb or town in which your employer's business is located.
State
Select the state that your employer's business is based in. If you're entering an overseas address, don't select a state.
Postcode
Enter the postcode with no spaces or other separators.
Country
Select the country that your employer's business is based in.
Employer phone number (main switch or payroll department)
Enter the two-digit area code in the first space and the eight-digit number in the second space.
When did you start this job?
Select month and year from the list.
If you don't have an accountant, you only need to tell us how long you've been retired. If you do have an accountant, these details help us process your application.
Accountant's name
Enter your accountant's full name.
Accountant's company name
Enter the name of the company your accountant works for.
Accountant's phone no.
Enter the two-digit area code in the first space and the eight-digit number in the second space. Don't use any spaces, dashes or other separators.
Accountant's fax no.
Enter the two-digit area code in the first space and the eight-digit number in the second space. Don't use any spaces, dashes or other separators.
How long have you been retired
Enter the number of years in the first space, and months in the second space.
Business type
Select the type of business you run from the list.
Business name
Enter your full business name, without commas or other punctuation.
Business address
Enter your business' street address.
Suburb/town
Enter the town or suburb of your business' street address.
State
Select the state that your business is based in. If you're entering an overseas address don't select a state.
Postcode
Enter the postcode with no spaces or other separators.
Country
Select the country that your business is based in.
How long have you been self-employed?
Enter the number of years in the first space, and months in the second space.
If you're self-employed we need your accountant's details so we can verify the business information you give us. If you're retired and you don't have an accountant you can leave this section blank.
Accountant's name
Enter your accountant's full name.
Accountant's company name
Enter the name of the company your accountant works for.
Accountant's phone no.
Enter the two-digit area code in the first space and the eight-digit number in the second space. Don't use any spaces, dashes or other separators.
Accountant's fax no.
Enter the two-digit area code in the first space and the eight-digit number in the second space. Don't use any spaces, dashes or other separators.
Your monthly income before tax
Enter your monthly pre-tax income with no spaces, commas or other separators. Leave off any cents.
Your monthly income after tax
Enter your monthly after-tax income with no spaces, commas or other separators. Leave off any cents.
Your other monthly income after tax
Other income can be any other money you receive regularly, like Austudy, allowances, dividends, interest, rental and annuities.
You can leave this space blank. If you do enter an amount leave out any cents. Don't use any spaces, commas or other separators.
Assets, savings (non-NAB)
Enter the total value of any savings accounts, term deposits or similar accounts you have with banks other than NAB or Homeside.
Leave out any cents. Don't use any spaces, commas or other separators.
Other assets (eg. shares, properties, etc.)
Enter the total value of any assets you have outside of bank accounts. This can include things like property, vehicles and shares.
Leave out any cents. Don't use any spaces, commas or other separators.
Do you have a mortgage (non-NAB)?
Select Yes or No. Answer No if your mortgage is with NAB or Homeside.
If you answer Yes, we'll ask you for your repayment details.
Your share of monthly repayment on mortgage(s) (non-NAB)
Enter the regular amount that you repay each month, leaving out any cents. Don't use any spaces, commas or other separators.
Your share of monthly repayments on other loan(s) (eg. personal loans, lease payments)
Enter the amount that you're regularly repaying on other loans like personal loans, leases and hire purchase arrangements. Leave out any cents and don't use any spaces, commas or other separators.
If you don’t have any other loans or leases leave this space blank.
Total limit on credit/store cards
If you have other credit cards (including store-specific cards), enter their total credit limit (not the amount that you owe). Leave out any cents and don't use any spaces, commas or other separators.
If you don't have any other cards leave this space blank.
Total balance on credit/store cards
Enter the amount that you currently owe on your cards, leaving out any cents. Don't use any spaces, commas or other separators.
Your share of monthly rent – if applicable
If you're renting your premises, enter the amount that you pay in rent and select how often you pay rent.
Leave out any cents and don't use any spaces, commas or other separators.
Your share of general monthly living expenses
Please include in this section your monthly share of the following types of expenses, leaving out any cents. Don’t use any spaces, commas or other separators: • Basic housing and property expenses e.g. household expenses, utilities, rates, groceries, pay TV, pets, maintenance
• Communication and media e.g. home and internet
• Food and groceries
• Clothing and personal care e.g. clothes and shoes, haircuts, cosmetics
• Transport e.g. vehicle, petrol, parking, public transport, maintenance
• Insurance e.g. health, home and content or car insurance, income protection and life insurance, superannuation
• Recreation and entertainment e.g. holidays, sport and hobbies, memberships, gifts, eating out
• Medical and health
• Education
• Childcare and any other expenses
Have you had any difficulties in making your loan repayments in the past 2 years?
If you've missed, or had problems making, any loan or credit card payments in the past two years answer Yes.
If you answer Yes, we'll ask you for more information, eg. the loan provider, type of loan, amounts you missed, when and why it happened, and whether the problem has been resolved or ongoing.
Do you foresee any major change to your employment, income and/or expenses over the next 12 months that will make it difficult for you to meet your financial commitments?
If you answer Yes, we'll need details of the change. For example, if:
You should also tell us whether the change is temporary or permanent, and how it will change your income.
If you'd like to apply for the maximum credit limit available based on your application details select Yes. Otherwise select No.
Requested credit limit
If you want us to assess your application with a particular credit limit in mind, enter it here without any cents. Don't use any spaces, commas or other separators.
We don't guarantee that we'll offer you the credit limit that you request. The limit we offer you is based on our assessment of the information you give us.
Are you already a Velocity member?
If you have a Velocity Rewards membership in your name, select Yes. Otherwise select No.
You need to be a Velocity member before you can redeem any points you earn with your credit card.
Please enter your Velocity Membership Number
If you're a Velocity member, enter your membership number without any spaces, dashes or other separators. This membership must be in your name.
You need to provide us with a valid Velocity membership number before you can earn points with your credit card.
Are you already a Qantas Frequent Flyer member?
If you have a Qantas Frequent Flyer membership in your name, select Yes. Otherwise select No.
You need to provide us with a valid Qantas Frequent Flyer membership number before you can earn points with your credit card.
Please enter your Qantas Frequent Flyer membership number
If you know your membership number enter it without any spaces, dashes or other separators. This membership must be in your name.
You don’t have to enter your membership number now, but you need to provide us with a valid Qantas Frequent Flyer membership number before you can earn points with your credit card.
Would you like to link your NAB credit card to your flybuys membership?
If you’re a flybuys member and you want to earn points with your credit card, select Yes. You need to provide us with a valid flybuys membership number before you can earn points with your credit card.
If yes, please provide your flybuys membership number
Enter your membership number.
We’ve filled in the first six digits for you so enter the remaining digits in the second space. Don’t use any dashes, spaces or other separators.
A balance transfer shifts a debt from a card you already have to your new NAB credit card. If there's a special balance transfer rate, it applies for a set time period. At the end of the balance transfer period any balance transfer amount that you haven't paid off shifts onto the purchase indicator rate for your card.
Would you like a balance transfer?
If you’d like us to complete a balance transfer for you, select Yes. If you don’t want to transfer any balances, select No.
The number of non-NAB credit or store cards you'd like to transfer a balance from
Select the number of cards you want balances to come from.
Card issuer
Select the bank, store or organisation that issued the card. If the right option isn’t there, select Other and enter the name in the space below the list.
Card type
Select the card type from the list. If the card is specific to a particular retailer, select Store card.
Card number
Enter the number from the front of your card without any dashes, spaces or other separators.
Balance transfer amount
Enter the amount you'd like to transfer onto the card. Don’t use any commas or other separators, and leave out any cents.
Each balance transfer must be at least $200. NAB won't offer 100% of your credit limit to be used as a balance transfer. NAB may refuse any balance transfer request in full or in part at its discretion (including if your access to cash advances has been reduced or removed).
Balance transfer terms and conditions
Open the balance transfer terms and conditions (they'll display in a new window). Read through them and, if you agree to these terms and conditions and you want to continue, select Accept.
An additional cardholder gets a separate card, which they can use to access your credit card account. You're fully responsible for all the transactions made with this card. Additional cardholders must be at least 16 years old. Your additional cardholder must have an Australian residential address.
Would you like an additional cardholder?
Select Yes or No. If you choose to have an additional cardholder, we'll ask you for their full name and residential address.
Title
Either select the person's title, or enter it in Other.
First name
Enter the person's full first name as it appears on official identification like their driver's licence or passport.
Surname
Enter the person's surname or family name as it appears on official identification like their driver's licence or passport.
Date of birth
The additional cardholder needs to be at least 16 years old. Select the day, month and year they were born.
Flat/unit
If the person's residential address includes a letter or number for a flat, unit or apartment, enter it here. Otherwise leave this space blank.
Street no.
Enter the street number with no spaces, commas or other separators.
Street name
Enter the street name without the street type (eg. street, road, avenue, etc.).
Street type
Enter the rest of the street's name (eg. street, road, avenue, etc.).
Suburb/town
Enter the suburb or town that the additional cardholder lives in.
State
Select the state. Your additional cardholder must have an Australian address.
Postcode
Enter the postcode with no spaces or other separators.
Additional cardholder terms & conditions
Open the Additional cardholder transfer terms and conditions (they'll display in a new window). Read through them and, if you accept these terms and conditions and want to continue, select Accept.
About NAB Credit Card Cover
NAB Credit Card Cover is insurance designed to help you cover your NAB credit card account repayments in certain situations such as losing your job, becoming disabled or critically ill, or your death.
It means you’ll have one less thing to worry about if something unexpected stops you from being able to meet your credit card repayments.
The insurance is designed to:
NAB Credit Card Cover includes all these covers, so it's not possible to purchase these covers separately.
NAB Credit Card Cover provides cover 24 hours a day, 7 days a week, anywhere in the world.
© National Australia Bank Limited. Use of the information contained on this page is governed by Australian law and is subject to the disclaimers which can be read on the disclaimer page. View the NAB Privacy Policy.
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