From 13 September 2024, we’ll be making changes to several of our NAB credit cards. These include:
From 1 November 2024, the NAB International Transaction Fee will increase from 3% to 3.5% of the converted AUD amount of single and multi-currency international transactions. This will apply to all international transactions posted to your account on or after 1 November 2024 using a NAB Credit card which may include transactions made prior to 1 Nov.
The international transaction fee doesn’t apply to purchases made using a NAB StraightUp Card, NAB Rewards Signature Card or NAB Visa One Fee-Free Card.
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Low annual fees No interestSuitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more.
Earn NAB Rewards Points and enjoy platinum services and complimentary insurances.
Minimum credit limit
Annual card fee
Variable purchase rate
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list.
Special offers with Visa Premium Access and Visa Entertainment , opens in new window including pre-sale tickets and member promotions
Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies NAB Concierge Service Global assistance for card emergenciesNot the right card for you? We can help you choose a different one.
80,000 bonus points when you spend $1,000 on everyday purchases within the first 60 days of account opening and 20,000 bonus points when you keep your card for over 12 months. That’s enough for $480 in gift cards.
You’ll also enjoy a reduced annual card fee (from $195 to $45) for the first year.If you’re already a NAB 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.
Our highest NAB Rewards Points earn rate with premium services and complimentary insurances.
Minimum credit limit
Monthly card fee
Variable purchase rate
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list.
Fraud and theft protection with world class security technologies Global assistance for card emergencies NAB Concierge ServiceSpecial offers with Visa Premium Access and Visa Entertainment , opens in new window including pre-sale tickets and member promotions
Not the right card for you? We can help you choose a different one.
130,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 50,000 bonus points when you keep your card for over 12 months. That’s enough for $880 in gift cards.
Plus, a $24 monthly card fee, reversed if you spend $5,000 or more in a statement period.If you’re already a NAB 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.
Suitable for earning Qantas Rewards Points for flights, products and more.
Earn Qantas Points and enjoy platinum services and complimentary insurances.
Minimum credit limit
Annual card fee
Variable purchase rate
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list.
Special offers with Visa Premium Access and Visa Entertainment , opens in new window including pre-sale tickets and member promotions
Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies NAB Concierge Service Global assistance for card emergenciesNot the right card for you? We can help you choose a different one.
60,000 bonus points when you spend $2,000 on everyday purchases within the first 60 days of account opening and 10,000 bonus points when you keep your card for over 12 months.
You’ll also enjoy a reduced annual card fee (from $250 to $150) for the first year.From 13 September 2024, the annual fee for this card will be $295. You'll enjoy a reduced annual fee of $195 for the first year if the first annual fee is charged on or after 13 September.
If you’re already a NAB 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.
Our highest Qantas Points earn rate with platinum services and complimentary insurances.
Minimum credit limit
Annual card fee
Variable purchase rate
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list.
Special offers with Visa Premium Access and Visa Entertainment , opens in new window including pre-sale tickets and member promotions
Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies NAB Concierge Service Global assistance for card emergenciesNot the right card for you? We can help you choose a different one.
90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points when you keep your card for over 12 months.
You'll also enjoy a reduced annual card fee (from $395 to $295) for the first year.From 13 September 2024, the annual fee for this card will be $420. You'll enjoy a reduced annual fee of $320 for the first year if the first annual fee is charged on or after 13 September.
If you’re already a NAB 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.
Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.
Convert 2 NAB Rewards Points into 1 Velocity Point.Enjoy hassle-free automatic redemption, which transfers your NAB Rewards Points direct into your Velocity account each week.
To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page.
To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB.
Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time.
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.
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 credit limit
Annual card fee
Variable purchase rate
Special offers with Visa Entertainment , opens in new window including pre-sale tickets and member promotions
Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies Global assistance for card emergenciesNot the right card for you? We can help you choose a different one.
Enjoy 0% p.a. on balance transfers for 28 months with 2% balance transfer fee on a new NAB Low Rate Card. Unpaid balance transfer reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list.
Enjoy no annual fee for the first year (usually $59).If you’re already a NAB 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.
Looking for a credit card that offers a low interest rate and provides $300 cashback?
Minimum credit limit
Annual card fee
Variable purchase rate
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list.
Special offers with Visa Entertainment , opens in new window including pre-sale tickets and member promotions
Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies Global assistance for card emergenciesNot the right card for you? We can help you choose a different one.
If you’re already a NAB 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.
May suit you if you want a low fee card, with a choice of standard or platinum benefits.
A no-frills card with our lowest annual fee and access to special offers, complimentary purchase protection insurance and fraud protection.
Minimum credit limit
Annual card fee
Variable purchase rate
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list.
Special offers with Visa Entertainment , opens in new window including pre-sale tickets and member promotions
Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies Global assistance for card emergenciesNot the right card for you? We can help you choose a different one.
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.
Our lowest annual fee platinum card with premium concierge services, special deals and complimentary insurances.
Minimum credit limit
Annual card fee
Variable purchase rate
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list.
Special offers with Visa Entertainment , opens in new window including pre-sale tickets and member promotions
Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies NAB Concierge Service Global assistance for card emergenciesNot the right card for you? We can help you choose a different one.
Enjoy 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Get an instant responseOur no interest credit card with no surprise charges – all for a simple monthly fee.
No interest, late payment fees or international transaction fees, just a simple monthly fee.
Special offers with Visa Entertainment , opens in new window including pre-sale tickets and member promotions
Not the right card for you? We can help you choose a different one.
Choose a credit limit that suits you from three available options (easily change your limit through the NAB app anytime).
No interest ever, just a flat monthly fee. Your fee is included in your minimum monthly payment.Your monthly fee is reversed if you don’t make any purchases and have an outstanding balance of $0 during the whole statement period.
Get an instant responsePay with the smartphones and wearables you already own and use everyday with our digital payment options.
Special offers on shows, events, experiences and movies from Visa Entertainment , opens in new window .
an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency visa.
The following visa categories are not acceptable:
Visitor visa (exception, a Special Category visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.
Get help to choose the right card or help calculate savings with a balance transfer.
Choose the right credit product with our easy-to-use tool.
Use our comparison tool to compare our credit card fees and features.
See if you could save money by transferring your credit card balance.
Download the NAB app today to access the convenience of managing your cards online. Here are just a few things you can do.
Use card controls to turn on or off contactless payments, online purchases, and overseas transactions.
Block, unblock and reorder your card if it's lost or stolen. Notify us if you're going overseas so we can protect your card. Access your digital cards.We have guides and other resources to help you apply for a new credit card or manage an existing one.
See our range of business credit cards to help you manage expenses and earn business rewards.
Learn more about what you’ll need to apply for a NAB credit card.
A guide to help you decide if a credit card is right for you and how to apply for one if it is.
Key differences between credit cards and personal loans.
Visit your nearest NAB branch to speak to us in person.
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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. 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.
NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.
Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us. Credit applications are subject to credit assessment criteria. Interest rates, fees and charges are subject to change. Target Market Determinations for our products are available at nab.com.au/TMD. Products issued by NAB unless stated otherwise.
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