0 %

for 9 months*

on a new NAB Low Rate Platinum Card

*NAB may vary or end this offer at any time.
Minimum monthly repayments are required.
See important information below.

Apply now

NAB Low Rate Platinum Card

Apply now

Features and

Standard rates and fees

13.99% P.A.

standard purchase rate


annual card fee


min credit limit


Cash advance rate

0% P.A.

standard balance transfer rate for 6 months3. 2% BT Fee Applies. BT reverts to Cash Advance Rate.


The sign up process is simple and easy.

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Apply online in 15 minutes
and get a response in 60 seconds

We may ask you for
payslips or bank

New to NAB? Get
identified online

Receive your card in up
to 5 working days

You need to be at least 18 years old

Important Information

Expand Expand

*Offer commenced 13 November 2017. For approved applicants who apply for a new personal NAB Low Rate Platinum credit card before the offer is withdrawn. The special purchase interest rate will apply for a 9 month statement period from account opening. After the 9 month period, any unpaid purchases will then attract the card’s standard purchase rate (currently 13.99% p.a. as at 18 June 2018). Interest rates are subject to change and available at www.nab.com.au Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

1 NAB App

NAB recommends you consider the Internet Banking terms and conditions, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. 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 your card and enter your PIN. The NAB Mobile Banking app is compatible with Android OS 4.4 and above, and iOS 9 or later. Selecting our optional Quick Balances feature will disable your SMS account balance notifications. 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.

Visa payWave® is a registered trademark of Visa Worldwide Pte Limited.

2 Insurances

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 and in the NAB Purchase Protection Insurance Policy Information Booklet 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).

3. Standard Balance Transfer Disclaimer

After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 1 October 2018). 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 rates are subject to change and available at nab.com.au. 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. Standard balance transfer rate and term may be varied or withdrawn at any time. In addition to this acquisition rate, which is available only at card application, other balance transfer offers may be available on your card from time to time. You can find out more information about the ongoing balance transfer rates of your card.

Credit card terms and conditions available at nab.com.au. 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 18 June 2018 and subject to change. Credit cards issued by National Australia Bank Limited. ©2018 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.