Important Changes to the NAB Low Fee Platinum Card (no longer for sale)
From 20 January 2025, the variable purchase rate for the NAB Low Fee Platinum Card will be increasing from 19.74% to 20.99% p.a.
Monday, 16 December 2024
Contents
If you know which product you'd like to check the rate for, you can click on the corresponding link below.
- Credit cards
- Personal loans (unsecured)
- Investment lending (formerly margin lending)
- Personal base rate
- Personal overdrafts
- Products no longer for sale
Credit cards
The table below shows our current credit card interest rates.
| Variable purchase rate | Variable cash advance rate | |
|---|---|---|
| NAB StraightUp Card No interest rate credit card |
Variable purchase rate
Not applicable
|
Variable cash advance rate
Not applicable
|
| NAB Low Rate Card Lowest interest rate credit card |
Variable purchase rate
13.49% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Low Fee Card Lowest annual fee credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Qantas Rewards Premium Card Qantas Rewards credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Qantas Rewards Signature Card Qantas Rewards credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Rewards Platinum Card NAB Rewards credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Rewards Signature Card NAB Rewards credit card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
Personal loans (unsecured)
This table shows our current personal loan interest rates.
| Interest rate | Comparison rate | |
|---|---|---|
| Variable rate loan |
Interest rate
From 8.49% p.a. to 20.49% p.a.
|
Comparison rate
From 9.88% p.a. to 21.78% p.a.
|
| Fixed rate loan |
Interest rate
From 8.49% p.a. to 20.49% p.a.
|
Comparison rate
From 9.88% p.a. to 21.78% p.a.
|
Personal loan indicator rates
This table displays our current variable indicator rates - these are used to calculate our variable interest rates. The variable interest rate for a NAB Personal Loan will either be the indicator rate or the indicator rate plus or less a margin.
| Variable indicator rate | Comparison rate | |
|---|---|---|
| Loan amount of $5,000 to $9,999 |
Variable indicator rate
17.95% p.a. (rate 11, 12, 13)
|
Comparison rate
21.59% p.a.
|
| Loan amount of $10,000 and above |
Variable indicator rate
16.75% p.a. (rate 21, 22, 23) (rate 31, 32, 33)
|
Comparison rate
18.07% p.a.
|
Investment lending (formerly margin lending)
You can read more about investment lending, including how it works, and the current interest rates.
Personal base rate
| Base rate | 8.77% p.a. |
|---|
| NAB Personal Overdraft | 12.77% p.a. |
|---|---|
| NAB Overdraft Protection | 12.77% p.a. |
Credit cards
| Variable purchase rate | Variable cash advance rate | |
|---|---|---|
| NAB Low Fee Platinum Card Low annual fee credit card |
Variable purchase rate
19.74% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Low Rate Platinum Card |
Variable purchase rate
13.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Low Rate Platinum Card Previously known as NAB Low Rate Premium Card |
Variable purchase rate
13.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| A. National Team |
Variable purchase rate
19.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| Visa Fee Free |
Variable purchase rate
19.70% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Premium Card |
Variable purchase rate
19.74% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Rewards Classic Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Qantas Rewards Classic Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Qantas Plus Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| Velocity NAB Visa Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| Velocity NAB Gold American Express® Card |
Variable purchase rate
19.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Visa Mini |
Variable purchase rate
19.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Qantas Rewards Card (Mastercard) |
Variable purchase rate
19.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB flybuys Rewards Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Velocity Rewards Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
| NAB Velocity Rewards Premium Card |
Variable purchase rate
20.99% p.a.
|
Variable cash advance rate
21.74% p.a.
|
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Target Market Determinations for these products are available at nab.com.au/TMD.