Most credit cards charge an annual fee and the fee will vary depending on the type of credit card you've got.
Typically however, the more features a card has - like rewards points and insurances - the higher the annual fee. So if you've got a premium card and don't use its features, it might be a good idea to switch to a lower-fee card instead. Compare our credit cards.
Important: The NAB Choice Package Home Loan is no longer available for sale from 23 February 2023 for broker customers, from 17 March 2023 for retail (direct to bank) customers and from 18 August 2023 for customers with a Business or Private Wealth relationship with NAB, unless they have a current NAB Choice Package which is established before the respective off-sale date (and which remains ongoing).
Cash advance fee and interest
Spotted a cash advance fee on your credit card statement and wondering what it is?
A cash advance fee is charged when you withdraw cash or transfer funds from your credit card. Gambling or gaming-related transactions and other cash like purchases, such as value loaded on a pre-paid card or payments of utility bills over the counter at other financial institutions and post offices, are also classified as cash advances.
A cash advance fee is a one-off fee charged at the time you make the transaction. It's calculated as a percentage of the cash advance (in Australian dollars) or the minimum fee - whichever is greater.
On top of the cash advance fee you'll also be charged interest on your cash advance from the day you make the cash advance until the day you pay it off. An interest-free period might apply to purchases made with your card but it won't apply to any cash advances you make.
For more information about cash advances visit the how to avoid credit card interest page.
Cash advance controls
You can control certain types of cash advances by turning them off in the NAB app, for example:
- restrict gambling transactions
- restrict ATM cash advances.
To turn off ATM cash advances follow these instructions:
- Ensure you have the latest version of the NAB app installed.
- Log into the NAB app and head to Cards.
- Select your card.
- Tap on Usage controls and select ATM cash advances.
Late payment fee
To avoid a late payment fee you need to make – at the very least – your minimum payment by your statement due date.
So you don't forget why not set up a regular payment or direct debit to help you avoid being charged a late payment fee. Just make sure you've got enough funds in your nominated account. Find out more about setting up regular payments and more by visiting the how to avoid credit card interest page.
Another way to avoid a late payment fee is to set up a credit card payment reminder alert. And we'll send you a reminder email or SMS up to seven days before your payment is due.
If you prefer to pay multiple times a month, you still need to ensure you make at least the minimum payment shown on your statement between when your statement is printed (statement cycle) and your due date.
International transaction fees
Trying to unpack your credit card statement after a trip abroad and wondering what an international transaction fee is?
An international transaction fee is a fee you'll be charged when you use your credit card overseas to make a purchase.
It's important to note, you don’t have to be overseas for an international transaction fee to apply. If you love online shopping, any purchase you make where the merchant, financial institution or entity processing the transaction is located outside Australia or in any international currency (like USD or GBP) will attract the fee.
Non-NAB ATM withdrawal fees
This is technically not a 'credit card fee' as it will apply regardless of the NAB card you use. But you may have to pay one if you use an ATM other than a NAB ATM. ANZ, Commonwealth Bank, and Westpac ATMs can also be used free of charge.
Whoever owns the ATM (the bank or company) will directly charge you this fee. You’ll see the amount onscreen and have the option to cancel your selection rather than pay the fee and continue.
If you withdraw cash from your credit card, remember this will also incur a cash advance fee and interest on top of the non-NAB ATM withdrawal fee.
Download the NAB app for your smartphone and use it to locate NAB ATMs.
Types of credit cards
Looking for a credit card but not sure what type? Learn about the differences between credit card types now.
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Credit cards issued by National Australia Bank Limited.