Upcoming changes

Personal credit card changes

From 18 April 2024, we’re making changes to personal credit cards and some updates to the terms and conditions.

Learn what’s changing

We’re changing NAB Rewards Signature

The benefits, NAB Rewards Points earn rates and fees of the NAB Rewards Signature card are changing. If you take out this card, the changes will automatically apply to your card on and from 12 June 2024.

Learn what's changing

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Rewards

NAB Rewards credit cards

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

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances.

Minimum credit limit

$6,000

Annual card fee

$ 195 p.a.

Variable purchase rate

20.99 % p.a.

On 18 April, Points Boosts on NAB Rewards Platinum is changing.

Benefits
  • Complimentary insurances, including international travel insurance

  • 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, opens in new window 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.

  • NAB Rewards Points cannot be used to redeem Qantas Points.

Not the right card for you? We can help you choose a different one.

Offer

100,000 bonus NAB Rewards Points

  • 80,000 bonus points when you spend $1,000 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. That’s enough for $480 in gift cards.

  • You’ll also enjoy a reduced annual card fee (from $195 to $45) for the first year.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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Our highest NAB Rewards Points earn rate with platinum services and complimentary insurances.

Minimum credit limit

$15,000

Annual card fee

$ 295 p.a.

Variable purchase rate

20.99 % p.a.

Benefits
  • Complimentary insurances, including international travel insurance

  • Earn up to 3.75 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, opens in new window 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.

  • Higher annual fee compared to our other cards.

  • NAB Rewards Points cannot be used to redeem Qantas Points.

Not the right card for you? We can help you choose a different one.

Offer

160,000 bonus NAB Rewards Points

  • 120,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 40,000 bonus points when you keep your card for over 12 months. That’s enough for $780 in gift cards.

  • You’ll also enjoy a reduced annual card fee (from $295 to $145) for the first year.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Qantas Rewards credit cards

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

Earn Qantas Points and enjoy platinum services and complimentary insurances.

Minimum credit limit

$6,000

Annual card fee

$ 250 p.a.

Variable purchase rate

20.99 % p.a.

Benefits
  • Complimentary insurances, including international travel insurance

  • 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, opens in new window 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.

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

Not the right card for you? We can help you choose a different one.

Offer

70,000 bonus Qantas Points

  • 60,000 bonus points when you spend $2,000 on everyday purchases within the first 60 days of account opening and 10,000 bonus points when you keep your card for over 12 months.

  • You’ll also enjoy a reduced annual card fee (from $250 to $150) for the first year.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response

Our highest Qantas Points earn rate with platinum services and complimentary insurances.

Minimum credit limit

$15,000

Annual card fee

$ 395 p.a.

Variable purchase rate

20.99 % p.a.

Benefits
  • Complimentary insurances, including international travel insurance

  • 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, opens in new window 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.

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

Not the right card for you? We can help you choose a different one.

Offer

120,000 bonus Qantas Points

  • 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points when you keep your card for over 12 months.

  • You'll also enjoy a reduced annual card fee (from $395 to $295) for the first year.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response

New
Earn Velocity Points

Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.

  • Convert 2 NAB Rewards Points into 1 Velocity Point. 

  • Enjoy hassle-free automatic redemption, which transfers your NAB Rewards Points direct into your Velocity account each week.

To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page.
To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB.
Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time.

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.

Looking to transfer your existing credit card or store card debt to a new NAB credit card? Enjoy our promotional balance transfer offer for 28 months.

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

  • Special offers with Visa Entertainment, opens in new window 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
  • Higher annual card fee than the NAB Low Fee Card.

  • You won’t earn rewards points.

  • No complimentary insurances.

Not the right card for you? We can help you choose a different one.

Offer

0% p.a. on balance transfers (BT) for 28 months with 2% BT fee

  • Enjoy 0% p.a. on balance transfers for 28 months with 2% balance transfer fee on a new NAB Low Rate Card. Unpaid balance transfer reverts to 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 (usually $59).

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response

Looking for a credit card that not only offers a low interest rate but provides up to $300 cashback?

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, opens in new window 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
  • Higher annual card fee than the NAB Low Fee Card.

  • You won’t earn rewards points.

  • No complimentary insurances.

Not the right card for you? We can help you choose a different one.

Offer

Up to $300 cashback

  • $100 cashback per month for the first three months from account opening when you spend $500 per month on purchases.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend.
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.

A no-frills card with our lowest annual fee and access to special offers, complimentary purchase protection insurance  and fraud protection.

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

19.74 % 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, opens in new window 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.

Not the right card for you? We can help you choose a different one.

Offer

Enjoy $200 cashback

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

Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response

Our lowest annual fee platinum card with premium concierge services, special deals and complimentary insurances.

Minimum credit limit

$6,000

Annual card fee

$ 90 p.a.

Variable purchase rate

19.74 % p.a.

Benefits
  • Complimentary insurances, including international travel insurance

  • 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, opens in new window 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
  • You won’t earn rewards points.

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

Not the right card for you? We can help you choose a different one.

0% p.a. on balance transfers (BT) for 12 months

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

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response

No interest

No interest credit card

Our no interest credit card with no surprise charges – all for a simple monthly fee. Find out more about using the NAB StraightUp Card for your personal purchases with some business spending (may be suitable for sole traders ).

No interest, late payment fees or international transaction fees, just a simple monthly fee.

Credit limit

$1,000

$10 monthly fee

Credit limit

$2,000

$15 monthly fee

Credit limit

$3,000

$20 monthly fee

Benefits
  • One credit card for personal, everyday spending

  • No interest

  • Minimum monthly payment based on your credit limit

  • No late payment or international (online and overseas) transactional fees

  • No use, no pay (monthly fee reversed if balance is $0 for the whole statement period)

  • Special offers with Visa Entertainment, opens in new window including pre-sale tickets and member promotions

Considerations
  • Restrictions on cash advances and gambling transactions.

  • No additional cardholders.

  • No rewards points or complimentary insurances.

  • No balance transfers.

Not the right card for you? We can help you choose a different one.

How NAB StraightUp works

  1. Choose a credit limit that suits you from three available options (easily change your limit through the NAB app anytime).

  2. No interest ever, just a flat monthly fee.

  3. Your fee is included in your minimum monthly payment.

  4. Your monthly fee is reversed if you don’t make any purchases and have an outstanding balance of $0 during the whole statement period.

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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, opens in new window.

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.

Manage your card with the NAB app

  • Tap and pay for purchases with digital wallets.

  • Use card controls to turn on or off contactless payments, online purchases, and overseas transactions.

  • Block, unblock and reorder your card if it's lost or stolen.

  • Notify us if you're going overseas so we can protect your card.

Help and support

We have guides and other resources to help you apply for a new credit card or manage an existing one.

Looking for a business credit card?

See our range of business credit cards to help you manage expenses and earn business rewards.

Important Information

Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. IOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.

Fees and charges
Read our credit card terms and conditions. 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 13 February 2024.

Credit cards issued by National Australia Bank Limited.

NAB Credit Card Terms and Conditions

NAB Electronic Banking (card based) terms and conditions

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB), opens in new window

Personal banking fees – A guide to fees and charges (PDF, 177KB), opens in new window

Indicator rates for other personal lending products