NAB business credit card benefits and features

Cards to suit your needs

Take control of your business expenses with a credit card that suits your business needs.

Industry leaders

NAB was awarded the Most Recommended Major Business Bank and Most Competitive Major Business Bank at the 2021 DBM Australian Financial Awards.

Fraud prevention specialists

We take fraud protection and the security of your business credit card seriously. Learn how NAB Defence and Online Secure protects your accounts.

Learn more about how to choose a business credit card.

Select your business credit card feature

Our business credit cards are easy to use and feature low rates and fees, and flexible payment options. With a NAB business credit card you can earn reward points, enjoy additional benefits such as unauthorised transaction insurance and can even gain access to specific events.

Business rewards credit cards

NAB Rewards Business Signature Card

Earn NAB Rewards points on travel, technology and more with our flexible business credit card. 

Rates and fees

Minimum credit limit

$5,000

Annual card fee

$ 175

per card

Purchase interest rate

18.50 % p.a.

Features

  • Earn 1.25 NAB Rewards points per $1 spent on everyday business purchases, including payments to the ATO (points are not capped).

  • Earn double points on purchases made at selected major department and hardware stores.

  • Earn triple points with Webjet, when Travelling Overseas or on Overseas Purchases made here in Australia.

  • Redeem your points for a diverse selection of items including gift cards and more at the NAB Rewards Store.

  • Up to 44 days interest free on business purchases.

  • Attach multiple cards and set individual credit limits.

  • We're here for you 24/7 if your credit card is lost or stolen.
Offer

200,000 NAB Rewards bonus points

Earn 200,000 NAB Rewards bonus points when you spend $4,000 on everyday business purchases within 60 days of your account opening.

NAB may vary or end this offer at any time without notice. See important information below.

Fast online application
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NAB Qantas Business Signature Card

Get more from your business credit card purchases and maximise your Qantas Points.

Rates and fees

Minimum credit limit

$5,000

Annual card fee

$ 295

per card

Purchase interest rate

18.50 % p.a.

Features

  • Earn 1 Qantas Point for every $1.50 you spend on everyday business purchases , including eligible government payments.

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

  • Enjoy a free Qantas Business Reward membership (a saving of $89.50).

  • Unlock exclusive benefits with the Qantas Business Rewards loyalty program.

  • Up to 44 days interest free on business purchases.

  • Attach multiple cards and set individual credit limits.

  • We're here for you 24/7 if your credit card is lost or stolen.
Offer

200,000 bonus Qantas Points

Earn 200,000 bonus Qantas Points when you spend $4,000 on everyday business purchases within 60 days of opening your new account.

NAB may vary or end this offer at any time without notice. See important information below.

Fast online application
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Low rate business credit card

NAB Low Rate Business Card

Manage business expenses and cashflow with our lowest interest rate business credit card.

Rates and fees

Minimum credit limit

$5,000

Annual card fee

$ 60

per card

Purchase interest rate

13.25 % p.a.

Features

  • Up to 55 days interest free on business purchases with a low rate card (excludes cash advances).

  • Attach multiple cards and set individual credit limits.

  • Fraud and theft protection with world class security technology

  • We're here for you 24/7 if your credit card is lost or stolen.

  • All Visa Commercial Card customers can claim Visa Business Offers, opens in new window. 
Offer

0% p.a. on purchases for 12 months

Enjoy 0% on purchases for 12 months on a new NAB Low Rate Business Card.

No annual card fee for the first year.

NAB may vary or end this offer at any time without notice. See important information below.

Fast online application
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Corporate and charge cards

NAB Business Card

Manage your employees' business expenses by giving them their own business charge card.

Rate and fees

Minimum credit limit

$5,000

Monthly card fee

$ 9

per card

Purchase interest rate

15.50 % p.a.

Features

  • Get up to 35 days interest free on purchases (excludes cash advances).

  • Attach multiple cards and set individual credit limits.

  • Fraud and theft protection with world class security technology

  • We're here for you 24/7 if your credit card is lost or stolen.

  • All Visa Commercial Card customers can claim Visa Business Offers, opens in new window. 
Fast online application
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NAB Purchasing and Corporate Cards

Customised credit card solutions for cashflow, convenience and control over business expenses.

Rates and fees

Cash advance rate

12.65 % p.a.

Features

  • Flexible number of interest free days

  • Attach multiple cards and set individual credit limits.

  • Fraud and theft protection with world class security technology

  • Enjoy improved control and transparency over your business expenses using our expense management software FlexiPurchase.

  • Use Corporate Card Self Service to manage your cards in real time.

  • Single or multi use virtual cards

  • Pre-spend controls

  • Invoice payment solution

  • Travel integration
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NAB Virtual Corporate Card

Plastic-free digital corporate card issued in minutes, providing fast and secure access to funds for business expenses.

Features

  • Instant issuance of virtual cards.

  • Tap and pay.

  • Make payments within apps when you see Apple Pay and Google Pay as a payment option.

  • Smart controls setting on dollar value, expiry date and merchant type.

  • Single or multi use.

  • Easy integration with your existing expense management system.
Enquire now
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Help me choose the right credit card

Looking for a credit card to manage your business but unsure which one? Use our business credit card selector tool to help you choose the right card for your business.

Get started

Help with your business banking

Find guides, FAQs, and information to help you use your business banking products and services more easily.

View our help and support hub

Get in touch

Sales enquiries

Let us help with your business banking needs. Request a call back to chat to a specialist about our range of business and commercial cards.

Call me back

Contact us

Explore our business banking contact information and get support with a wide range of products, services and topics.

View all business banking contacts

Visit a NAB business banking centre

Let our business banking specialists help you in person.

Find a NAB business banking centre

Terms and Conditions

NAB business credit cards are for business purposes only.

A valid ABN is required to open a Commercial Card facility with NAB. ABN registration checks will be performed once the application has been received.

Terms, conditions, fees, charges and lending criteria apply.

Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Details are correct as at 15 October 2020 and are subject to change by NAB. Credit cards issued by National Australia Bank Limited.