Monday, 4 July 2022
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.
Standard purchase rate | Cash advance rate | |
---|---|---|
NAB StraightUp Card No interest rate credit card |
Standard purchase rate Not applicable |
Cash advance rate Not applicable |
NAB Low Rate Card Lowest interest rate credit card |
Standard purchase rate 12.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Low Fee Card Lowest annual fee credit card |
Standard purchase rate 19.74% p.a. |
Cash advance rate 21.74% p.a. |
NAB Low Fee Platinum Card Low annual fee credit card |
Standard purchase rate 19.74% p.a. |
Cash advance rate 21.74% p.a. |
NAB Qantas Rewards Premium Card Qantas Rewards credit card |
Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Qantas Rewards Signature Card Qantas Rewards credit card |
Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Rewards Platinum Card NAB Rewards credit card |
Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Rewards Signature Card NAB Rewards credit card |
Standard purchase rate 19.99% p.a. |
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 18.99% p.a. |
Comparison rate
From 7.91% p.a. to 19.83% p.a. |
Fixed rate loan | Interest rate
From 6.99% p.a. to 18.99% p.a. |
Comparison rate
From 7.91% p.a. to 19.83% 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
Standard purchase rate | Cash advance rate | |
---|---|---|
NAB Low Rate Platinum Card | Standard purchase rate 13.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Low Rate Platinum Card Previously known as NAB Low Rate Premium Card |
Standard purchase rate 13.99% p.a. |
Cash advance rate 21.74% p.a. |
A. National Team | Standard purchase rate 19.49% p.a. |
Cash advance rate 21.74% p.a. |
Visa Fee Free | Standard purchase rate 19.70% p.a. |
Cash advance rate 21.74% p.a. |
NAB Premium Card | Standard purchase rate 19.74% p.a. |
Cash advance rate 21.74% p.a. |
NAB Rewards Classic Card | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Qantas Rewards Classic Card | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Qantas Plus Card | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
Velocity NAB Visa Card | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
Velocity NAB Gold American Express® Card | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Visa Mini | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Qantas Rewards Card (Mastercard) | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB flybuys Rewards Card | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Velocity Rewards Card | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
NAB Velocity Rewards Premium Card | Standard purchase rate 19.99% p.a. |
Cash advance rate 21.74% p.a. |
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