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NAB Low Rate Card balance transfer offer

Enjoy our promotional balance transfer offer for 28 months.

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

13.49 % p.a.

Benefits

  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • 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 emergencies
Considerations

  • You won’t earn rewards points.

  • No complimentary insurances.
Offer

0% p.a. on balance transfers for 28 months with 2% BT fee, plus ongoing reduced annual fee

  • Enjoy 0% p.a. on balance transfers for 28 months on a new NAB Low Rate Card. 2% BT fee applies. Unpaid BT reverts to the 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 and a reduced annual card fee (from $59 to $30) thereafter.

Balance transfer reverts to the variable cash advance rate after 28 month period (currently 21.74% p.a.).

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NAB Low Rate Card cash back offer

Enjoy $300 cashback, plus ongoing reduced annual fee.

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

13.49 % p.a.

Benefits

  • Our lowest interest rate on purchases

  • Up to 55 interest free days on purchases

  • 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 emergencies
Considerations

  • You won’t earn rewards points.

  • No complimentary insurances.
Offer

 $300 cashback, plus ongoing reduced annual fee

  • $300 cashback when you spend $1,500 on purchases within 90 days from account opening.

  • Enjoy 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

  • Enjoy a reduced annual card fee (from $59 to $30) for the life of the card.

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.

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NAB Low Fee Card

Our no frills credit card.

Minimum credit limit

$1,000

Annual card fee

$ 30 p.a.

Variable purchase rate

19.74 % p.a.

Benefits

  • Our lowest annual fee card

  • Purchase Protection Insurance on personal items for loss, theft, or accidental damage

  • Up to 44 interest free days on purchases

  • 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 emergencies
Considerations

  • You won’t earn rewards points.

  • Higher interest rates compared to our NAB Low Rate Card.
Offer

Enjoy $200 cashback

  • $200 cashback when you spend $1,500 on purchases within 90 days from account opening.

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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

  • Complimentary insurances, including international travel insurance

  • Earn up to 2 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 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 emergencies
Considerations

  • Higher interest rates compared to our NAB Low Rate Card.

  • Lower point earn rate compared to our NAB Rewards Signature Card.

  • Higher annual fee compared to some of our other cards.
Earning points

  • Earn 1 NAB Rewards Point for every $1 spent on everyday purchases

  • Earn 1.5 NAB Rewards Points for every $1 on purchases made at eligible Grocery stores

  • Earn 2 NAB Rewards Points for every $1 spent with Webjet

Offer

 Up to 120,000 bonus NAB Rewards Points, plus ongoing reduced annual card fee

  • 90,000 bonus points when you spend $1,000 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. That’s enough for $580 in gift cards.

  • Reduced annual card fee (from $195 to $95) for the life of the card.

Minimum spend of $1,000 in first 60 days required to earn Bonus Points.

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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

  • Complimentary insurances, including international travel insurance

  • Free Qantas Frequent Flyer membership (a saving of $99.50).

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 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 emergencies
Considerations

  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card.

  • Lower points earn per dollar compared to our NAB Qantas Signature Card.
Earning points

  • Earn 1 Qantas point per $1.50 up to $3,000 on everyday purchases on your Visa Card

  • Earn 1 Qantas point per $3 from $3,001 to $6,000 on everyday purchases on your Visa Card

Offer

Up to 70,000 bonus Qantas Points, plus ongoing reduced annual card fee

  • 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.

  • Enjoy a reduced annual card fee (from $250 to $150) for the life of the card.

Minimum spend of $2,000 in first 60 days required to earn Bonus Points.

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Terms and Conditions

Terms and conditions apply to all NAB products and are available at nab.com.au. Fees and charges are payable. Approval and credit limit are subject to NAB’s credit assessment criteria. Information, including interest rates and annual card fees are subject to change. Correct as at 15 September 2023.