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

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.

Personal overdrafts

NAB Personal Overdraft 12.77% p.a.
NAB Overdraft Protection 12.77% p.a.

Products no longer for sale

The tables below show the interest rates for products we no longer sell.

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.

How to contact us

Personal banking contacts

Questions or enquiries?

View all personal contact options

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