Monday, 30 June 2025
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 Low Rate Card Lowest interest rate credit card |
Variable purchase rate
13.49% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Low Fee Card Lowest annual fee credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Qantas Rewards Premium Card Qantas Rewards credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Qantas Rewards Signature Card Qantas Rewards credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Rewards Platinum Card NAB Rewards credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Rewards Signature Card NAB Rewards credit card |
Variable purchase rate
20.99% 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 7.49% p.a. to 20.49% p.a.
|
Comparison rate
From 8.89% p.a. to 21.78% p.a.
|
| Fixed rate loan |
Interest rate
From 7.49% p.a. to 20.49% p.a.
|
Comparison rate
From 8.89% p.a. to 21.78% 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
22.77% 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
18.07% 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. |
Credit cards
| 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 Fee Platinum Card Low annual fee credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| 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
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Rewards Classic Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Qantas Rewards Classic Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Qantas Plus Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| Velocity NAB Visa Card |
Variable purchase rate
20.99% 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
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Velocity Rewards Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Velocity Rewards Premium Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
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Terms and Conditions
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Target Market Determinations for these products are available at nab.com.au/TMD.