Monday, 11 December 2023
Contents
If you know which product you'd like to check the rate for, you can click on the corresponding link below.
- Credit cards
- Personal loans (unsecured)
- Investment lending (formerly margin lending)
- Personal base rate
- Personal overdrafts
- Products no longer for sale
Credit cards
The table below shows our current credit card interest rates.
| Variable purchase rate | Variable cash advance rate | |
|---|---|---|
| NAB StraightUp Card No interest rate credit card |
Variable purchase rate
Not applicable |
Variable cash advance rate
Not applicable |
| NAB Low Rate Card Lowest interest rate credit card |
Variable purchase rate
12.49% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Low Fee Card Lowest annual fee credit card |
Variable purchase rate
19.74% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Low Fee Platinum Card Low annual fee credit card |
Variable purchase rate
19.74% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Qantas Rewards Premium Card Qantas Rewards credit card |
Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Qantas Rewards Signature Card Qantas Rewards credit card |
Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Rewards Platinum Card NAB Rewards credit card |
Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Rewards Signature Card NAB Rewards credit card |
Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
Personal loans (unsecured)
This table shows our current personal loan interest rates.
| Interest rate | Comparison rate | |
|---|---|---|
| Variable rate loan | Interest rate
From 6.99% p.a. to 20.49% p.a. |
Comparison rate
From 7.91% p.a. to 21.33% p.a. |
| Fixed rate loan | Interest rate
From 6.99% p.a. to 20.49% p.a. |
Comparison rate
From 7.91% p.a. to 21.33% p.a. |
Personal loan indicator rates
This table displays our current variable indicator rates - these are used to calculate our variable interest rates. The variable interest rate for a NAB Personal Loan will either be the indicator rate or the indicator rate plus or less a margin.
| Variable indicator rate | Comparison rate | |
|---|---|---|
| Loan amount of $5,000 to $9,999 |
Variable indicator rate 17.95% p.a. (rate 11, 12, 13) |
Comparison rate 19.85% p.a.
|
| Loan amount of $10,000 and above |
Variable indicator rate 16.75% p.a. (rate 21, 22, 23) (rate 31, 32, 33) |
Comparison rate 17.60% p.a.
|
Investment lending (formerly margin lending)
You can read more about investment lending, including how it works, and the current interest rates.
Personal base rate
| Base rate | 8.77% p.a. |
|---|
| NAB Personal Overdraft | 12.77% p.a. |
|---|---|
| NAB Overdraft Protection | 12.77% p.a. |
Personal loans
| Variable rate | Fixed rate | |
|---|---|---|
| #1 fully secured | Variable rate 13.69% p.a. |
Fixed rate 13.99% p.a. |
| #2 fully secured (other security) | Variable rate 15.59% p.a. |
Fixed rate Not applicable |
| #3 partly secured | Variable rate 16.34% p.a. |
Fixed rate Not applicable |
| #4 unsecured | Variable rate 17.34% p.a. |
Fixed rate Not applicable |
Credit cards
| Variable purchase rate | Variable cash advance rate | |
|---|---|---|
| NAB Low Rate Platinum Card | Variable purchase rate
13.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Low Rate Platinum Card Previously known as NAB Low Rate Premium Card |
Variable purchase rate
13.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| A. National Team | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| Visa Fee Free | Variable purchase rate
19.70% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Premium Card | Variable purchase rate
19.74% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Rewards Classic Card | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Qantas Rewards Classic Card | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Qantas Plus Card | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| Velocity NAB Visa Card | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| Velocity NAB Gold American Express® Card | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Visa Mini | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Qantas Rewards Card (Mastercard) | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB flybuys Rewards Card | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Velocity Rewards Card | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
| NAB Velocity Rewards Premium Card | Variable purchase rate
19.99% p.a. |
Variable cash advance rate
21.74% p.a. |
Get in touch
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Terms and Conditions
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Target Market Determinations for these products are available at nab.com.au/TMD.