Important Upcoming Complimentary Insurance changes
Effective 1 July 2025 – For some NAB cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.
Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Please read the summary of changes for further details and how they will affect your insurance cover.
Low interest rate credit card offers
Your choice of offers to suit your credit needs, select either our promotional balance transfer offer or our cashback offer. May suit if you are not likely to pay off your closing balance in full every month.
NAB Low Rate Card balance transfer offer
Looking to transfer your existing credit card or store card debt to a new NAB credit card? Enjoy our promotional balance transfer offer for 24 months.
Minimum credit limit
$1,000
Reduced annual card fee
$ 30 p.a.
Variable purchase rate
13.49 % p.a.
Benefits
Considerations
0% p.a. on balance transfers for 24 months with 3% BT fee, plus ongoing reduced annual fee
As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB Low Rate Card cash back offer
Looking for a credit card that not only offers a low interest rate but provides $400 cashback?
Minimum credit limit
$1,000
Annual card fee
$ 59 p.a.
Variable purchase rate
13.49 % p.a.
Benefits
Considerations
$400 cashback, plus no annual fee for the first year
As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Purchases must be processed and charged to your account in the 150 day period from account opening to count towards the spend criteria.
This offer is only available online. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Low annual fee credit cards
May suit if you want a low fee card, with a choice of standard or platinum benefits.
NAB Low Fee Card
A no-frills card with our lowest annual fee and access to special offers, complimentary purchase protection insurance and fraud protection.
Minimum credit limit
$1,000
Annual card fee
$ 30 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Enjoy $200 cashback
Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB Qantas Rewards credit cards
Suitable for earning Qantas Rewards Points for flights, products and more.
NAB Qantas Rewards Premium Card
Earn Qantas Points and enjoy platinum services and complimentary insurances
Minimum credit limit
$6,000
Reduced annual card fee
$ 195 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Earning Points
Considerations
Up to 80,000 bonus Qantas Points, plus reduced annual card fee in the first year
As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB Qantas Rewards Signature Card
Our highest Qantas Points earn rate with platinum services and complimentary insurances
Minimum credit limit
$15,000
Reduced annual card fee
$ 320 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Earning Points
Considerations
Up to 130,000 bonus Qantas Points, plus ongoing reduced annual card fee
As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB Rewards credit cards
Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more.
NAB Rewards Platinum Card
Earn NAB Rewards Points and enjoy platinum services and complimentary insurances
Minimum credit limit
$6,000
Annual card fee
$ 195 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Earning NAB Rewards Points
Considerations
Up to 100,000 bonus NAB Rewards Points
As an existing customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB Rewards Signature Card
Our highest NAB Rewards Points earn rate with premium services and complimentary insurances
Minimum credit limit
$15,000
Monthly card fee
$ 35 p.m.
Variable purchase rate
20.99 % p.a.
Benefits
Earning NAB Rewards Points
Considerations
Key benefits of this card
Terms and Conditions
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Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
Fees and charges
Read our credit card terms and conditions. Credit card fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today.
Credit cards issued by National Australia Bank Limited. National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.
NAB Credit Card Terms and Conditions