Switch to another NAB credit card

Why switch your credit card?

Over time, your goals and needs may change. So, it’s important to check that the features and benefits of your credit card match what you need right now.  You can switch your existing NAB credit card to one of our Low Rate, Low Fee or Rewards credit cards.

Remember, if you’re an existing NAB credit cardholder, you won’t be eligible for promotional offers like bonus reward points, promotional balance transfers or cashback when you switch.

Things to consider before switching your NAB credit card

• Not sure which credit card to choose for your current needs? Use our credit card selector tool to help you choose the right credit card.
• Consider the minimum credit limit as this may differ from your current credit card. In order to switch, your current credit limit must meet the minimum credit limit of the new card you want. 
• NAB Straight Up cardholders cannot use this process and will need to apply for a new credit card.
• Ensure that your credit card is in order with no arrears and/or is not over the limit.
• Once your request to switch to a new credit card has been processed, if a new interest rate applies to your new card, it will apply on and from your next statement cycle.
• You cannot switch to a different credit card if your current credit card account has been opened 30 days or less. In addition, after switching to a different credit card, you’ll need to wait 90 days before requesting to switch to a different card again. 
• Where you have authorised recurring payments from your current credit card to a merchant, you must contact the merchant to update your new card details after receiving the new card. You will have up to 60 days to do this. Once your request to switch cards has been processed, you will receive a confirmation letter which will include a list of recurring payments charged in the previous 90 days.
• If there’s an existing gambling restriction on your current card, this will be transferred over to your new card. 

How to switch to another NAB credit card

Once you’ve chosen the card you want to transfer to, the quickest and easiest way to switch your credit card is via NAB messaging in NAB Internet Banking or the NAB App. Make sure you’re the primary cardholder and type ‘switch my credit card’.

You can also request a switch in person at any NAB Branch or by phone.

What happens next?

Once we process your request to switch, we’ll send you confirmation of your new NAB credit card account, including instructions on how to set up your new credit card in your digital wallet. You can continue to use your existing card until your new card arrives in the mail.