STANDARD RATES AND FEES
standard purchase rate
standard balance transfer rate for 6 months^. BT reverts to Cash Advance Rate.
cash advance rate
annual card fee
interest free days on purchases1
on everyday purchases spent up to $3,0002
on everyday purchases spent from $3,001 - $6,0002
Join Velocity Frequent Flyer for free
It’s free to join the Velocity Frequent Flyer programJoin now
Including Award flights, products and vouchers from velocityfrequentflyer.com2Join now
Points are capped at $6,000 spend per statement period.
Apply online in 15 minutes and get a response in 60 seconds
We may ask you for payslips or bank statements
New to NAB? Get identified online
Receive your card in up to 5 working days
You need to be at least 18 years old
1. If you pay your account in full by the due date each month. You won’t receive interest free days while you have a balance transfer.
2. To earn Points, you must be a member of the Velocity Frequent Flyer program and have provided your valid Velocity Membership Number to NAB. Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions as amended from time to time, and available at velocityfrequentflyer.com. The Velocity Program is operated by Velocity Frequent Flyer Pty Ltd ACN 601 408 824 as trustee of the Loyalty Trust. Points are capped at $6,000 spend per statement period.
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). 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).
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 13 November 2017 and subject to change. Credit cards issued by National Australia Bank Limited. ©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.