Upcoming changes
We’re changing NAB Rewards Signature
The benefits, NAB Rewards Points earn rates and fees of the NAB Rewards Signature card are changing. If you take out this card, the changes will automatically apply to your card on and from 12 June 2024.
No interest credit card
Our no interest credit card with no surprise charges – all for a simple monthly fee. Find out more about using the NAB StraightUp Card, opens in new window for your personal purchases with some business spending (may be suitable for sole traders ).
NAB StraightUp Card
No interest, late payment fees or international transaction fees, just a simple monthly fee.
Credit limit
$1,000
$10 monthly fee
Credit limit
$2,000
$15 monthly fee
Credit limit
$3,000
$20 monthly fee
Benefits
Considerations
How NAB StraightUp works
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Choose a credit limit that suits you from three available options (easily change your limit through the NAB app anytime).
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No interest ever, just a flat monthly fee.
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Your fee is included in your minimum monthly payment.
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Your monthly fee is reversed if you don’t make any purchases and have an outstanding balance of $0 during the whole statement period.
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 28 months.
Minimum limit
$1,000
Annual card fee
$ 30 p.a.
Variable purchase rate
13.49 % p.a.
Benefits
Considerations
0% p.a. on balance transfers for 28 months with 2% BT fee, plus ongoing reduced annual fee
NAB Low Rate Card cash back offer
Looking for a credit card that not only offers a low interest rate but provides $300 cashback?
Minimum credit limit
$1,000
Annual card fee
$ 30 p.a.
Variable purchase rate
13.49 % p.a.
Benefits
Considerations
$300 cashback, 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.
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.
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
19.74 % p.a.
Benefits
Considerations
Enjoy $200 cashback
NAB Low Fee Platinum Card
Our lowest annual fee platinum card with premium concierge services, special deals and complimentary insurances.
Minimum credit limit
$6,000
Annual card fee
$ 90 p.a.
Variable purchase rate
19.74 % p.a.
Benefits
Considerations
0% p.a. on balance transfers (BT) for 12 months
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
Annual card fee
$ 150 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Earning Points
Considerations
Up to 70,000 bonus Qantas Points, plus ongoing reduced annual card fee
NAB Qantas Rewards Signature Card
Our highest Qantas Points earn rate with platinum services and complimentary insurances
Minimum credit limit
$15,000
Annual card fee
$ 295 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Earning Points
Considerations
Up to 120,000 bonus Qantas Points, plus ongoing reduced annual card fee
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
$ 95 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Ways to reward yourself
Earning NAB Rewards Points
Considerations
Up to 120,000 bonus NAB Rewards Points, plus ongoing reduced annual card fee
NAB Rewards Signature Card
Our highest NAB Rewards Points earn rate with platinum services and complimentary insurances
Minimum credit limit
$15,000
Annual card fee
$ 195 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Ways to reward yourself
Earning NAB Rewards Points
Considerations
Up to 180,000 bonus NAB Rewards Points, plus ongoing reduced annual card fee
Terms and Conditions
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
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. 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
NAB Electronic Banking (card based) terms and conditions
Personal banking fees – A guide to fees and charges (PDF, 177KB), opens in new window