Bank better with our
CLASSIC BANKING ACCOUNT

The NAB app
GIVES YOU MORE
CONTROL

It takes all kinds to make up the world. And they’re the ones we designed our NAB app for.

With a NAB Credit Card,
YOU'RE IN CONTROL USING THE NAB APP

phones

Download or update
THE NAB MOBILE APP

The new NAB banking app is available on your phone or tablet. If you haven't done so, you can register for Internet Banking within the app. It's perfect for banking on the go, so you can manage your money, your way.

SAY NO TO MONTHLY ACCOUNT FEES

See how we compare.

NAB Classic Banking

Monthly Account Fee

$0

Conditions to avoid monthly fee

None

Overdrawn
reference fee

$0

CBA Smart Access

$4

Expand Expand

Conditions to avoid monthly fee

Conditions apply

Overdrawn reference fee

$10

Westpac Choice

$5

Expand Expand

Conditions to avoid monthly fee

Conditions apply

Overdrawn reference fee

$15

ANZ Access Advantage

$4

Expand Expand

Conditions to avoid monthly fee

Conditions apply

Overdrawn reference fee

$6 daily*

*if overdrawn by >$50 at end of day - capped at $10

The monthly account fee is based on standard full banking access transaction accounts on sale by the bank (exclusive of fee waivers based on certain conditions; e.g. special offers, minimum deposits, students, retirees and concession card holders). Other fees, charges, features and benefits may apply. All information is accurate as at 27th April 2017.

Other Banks Nab Classic Bank

Monthly
Account Fee

Conditions to avoid
monthly fee

Overdrawn
reference fee

NAB Classic Banking

$0

None

$0

CBA Smart Access

$4

Conditions apply

$10

Westpac Choice

$5

Conditions apply

$15

ANZ Access Advantage

$5

Conditions apply

$6 daily
(if overdrawn by >$50 at end of day - capped at $10)

The monthly account fee is based on standard full banking access transaction accounts on sale by the bank (exclusive of fee waivers based on certain conditions; e.g. special offers, minimum deposits, students, retirees and concession card holders). Other fees, charges, features and benefits may apply. All information is accurate as at 26th March 2017.

Why NAB Credit Cards? BECAUSE LIFE
HAPPENS

Whether you're looking for our lowest interest rate, a low fee card or a card that rewards you for everyday spend, we have a credit card to match.

answer few question

Answer a few simple questions to find out which credit card is best for you.

Compare now

Find out money saved

Find out how much you can save when you choose to bring your balance over to NAB.

Calculate now

0% P.A. ON BALANCE TRANSFERS for 20 months*


on a new NAB Premium Card
2% BT fee applies. BT reverts to cash advance rate.

*Apply by 1 October 2017.
Minimum monthly repayments required.

Find out more

Spend $2,500^ and get

50K

BONUS
POINTS

^on everyday purchases within 60 days of account opening

PLUS

earn up to

60K

BONUS
POINTS

on everyday purchases for 6 months^^.
(Capped at 10,000 bonus points per month)

That's up to

110K BONUS POINTS

on a new NAB Rewards Platinum Card

Apply by 1 October 2017. See Important Information.

An everyday account that's

MADE FOR HUMAN

Apply online in 7 minutes.

Don't have an account with NAB? $0 MONTHLY
ACCOUNT FEES.

Get started with a NAB Classic Banking account.

Learn more

0% P.A. ON BALANCE TRANSFERS for 20 months*


on a new NAB Premium Card
2% BT fee applies. BT reverts to cash advance rate.

*Apply by 1 October 2017.
Minimum monthly repayments required.

Find out more

Important Information

Expand

NAB recommends you consider the Internet Banking terms and conditions document, available here, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. The NAB Mobile Banking app is compatible with Android OS 4.1 and above, and iOS 9 or later. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.

1. Selecting our optional Quick Balances feature will disable your SMS account balance notifications.

2. Instant digital card is available for Android only. Only available for NAB Visa Debit and Credit Card for payments of $100 or over, you need to receive and enter your card PIN.

NAB Classic Banking Account

NAB recommends you consider the Personal Transaction and Saving Products Terms available here before making any decisions regarding this product. This product is issued by National Australia Bank Limited. Terms, conditions, other fees and charges may apply.

Personal Transaction and Savings Products Terms and Conditions

Personal Banking Fees – A guide to fees and charges (PDF, 338KB)

Indicator rates - deposit products

* Balance Transfer Special Offer

Offer commences 1 June 2017. 20 MONTH OFFER - For approved applicants who apply for a new personal NAB Premium Card by 1 October 2017. The balance transfer interest rate will apply for a 20 month statement period from account opening. After the 20 months period, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 1 June 2017). Interest rates are subject to change and available at http://www.nab.com.au. Special promotion balance transfer must be applied for at the point of full card application. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when losing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

Insurances

1. A qualifying purchase is required to get the benefits of the complimentary insurance. See terms, conditions and exclusions of the complimentary insurances specified in the NAB Card Insurance Policy Information booklet (PDF, 391KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 924KB) and may be amended. The complimentary insurances are issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 to NAB. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth).

Enhanced Transaction Details

Additional merchant information and location available on domestic transactions only. Merchant details are provided by Look Who’s Charging. While every effort is made to ensure these details are correct, we can’t guarantee it.

Fees and charges

Terms and conditions available here.

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 27 April 2017. Credit cards issued by National Australia Bank Limited. ©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

NAB recommends you consider the Personal Transaction and Saving Products Terms available here before making any decisions regarding this product. This product is issued by National Australia Bank Limited. Terms, conditions, other fees and charges may apply.

Personal Transaction and Savings Products Terms and Conditions Personal Banking Fees – A guide to fees and charges (PDF, 338KB) Indicator rates - deposit products

NAB recommends you consider the Internet Banking terms and conditions document, available here, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. The NAB Mobile Banking app is compatible with Android OS 4.1 and above, and iOS 9 or later. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.

1. Selecting our optional Quick Balances feature will disable your SMS account balance notifications.

2. Instant digital card is available for Android only. Only available for NAB Visa Debit and Credit Card for payments of $100 or over, you need to receive and enter your card PIN.

* Balance Transfer Special Offer

Offer commences 1 June 2017. 20 MONTH OFFER - For approved applicants who apply for a new personal NAB Premium Card by 1 October 2017. The balance transfer interest rate will apply for a 20 month statement period from account opening. After the 20 months period, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 1 June 2017). Interest rates are subject to change and available at http://www.nab.com.au. Special promotion balance transfer must be applied for at the point of full card application. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when losing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

^ NAB Rewards Bonus Points Special Offer

Offer commences 3 July 2017. To be eligible for the 50,000 bonus points offer, you must apply for a new personal NAB Rewards Platinum Card by 1 October 2017, be approved, and spend $2,500 on everyday purchases within 60 days of opening your account on your NAB Rewards Platinum Card. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. NAB may vary or end this offer. Points will be credited to your points balance within 3 months of meeting the spend criteria. This bonus points offer is not available to existing customers who have received or are entitled to receive NAB Rewards Bonus Points for a new personal NAB Rewards credit card or NAB Home loan in the twelve months prior to the opening of a NAB Rewards Platinum Card or NAB Rewards Classic Card account. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

IMPORTANT INFORMATION IF YOU APPLY FOR A NAB HOME LOAN - If you qualify for the NAB Rewards Credit Card offer of 50,000 NAB Rewards bonus points for the NAB Rewards Platinum card or 25,000 NAB Rewards bonus points for the NAB Rewards Classic card, then your NAB Rewards credit card bonus points, will be awarded within 3 months of meeting the eligibility criteria. If you also apply for a NAB Home Loan between 1 April and 31 August 2017 and meet the eligibility criteria for the 350,000 NAB Rewards Points Home loan offer, you will receive 350,000 NAB Rewards Points less your NAB Rewards credit card bonus points, already awarded.

^^ NAB Rewards Double Points Special Offer

Applies from account opening. For the first 6 months you will earn 1 standard point plus 1 bonus point for every dollar spent on everyday purchases. After 6 months the Bonus Points Offer ends and you earn 1 standard point for every dollar spent on everyday purchases. The 10,000 points cap applies to the earned bonus points (not the standard points). The 10,000 points cap does not apply to points earned with Points Booster or the 50,000 Bonus Points.

Insurances

3. A qualifying purchase is required to get the benefits of the complimentary insurance. See terms, conditions and exclusions of the complimentary insurances specified in the NAB Card Insurance Policy Information booklet (PDF, 391KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 924KB) and may be amended. The complimentary insurances are issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 to NAB. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth).

Fees and charges

Terms and conditions available here.

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 27 April 2017. Credit cards issued by National Australia Bank Limited. ©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.