Important Upcoming complimentary insurance changes
Effective 1 July 2025 - For some NAB cards, excesses for certain covers will increase, benefit limits will reduce under International Travel Insurance.
Effective 15 May 2026 - For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Read summary of changes for further details and how it will affect your insurance cover.
Low fees to save you money
Cash back on contactless purchasesView Disclaimer 1
1 %
Earn up to $10 cash back per month on your contactless purchases.
Monthly card fee
$ 10
To unlock the value of your platinum features.
International transaction fee on purchasesView Disclaimer 2
0 %
Save money every time you shop online or instore overseas.
ATM withdrawal fee at over 4,000 ATMs across AustraliaView Disclaimer 2 |
$0 |
|---|---|
| Overdrawn feeView Disclaimer 3 | $0 |
Features of this card
Visa premium offers
Discover hundreds of deals, discounts and privileges from dining to accommodation.
24/7 concierge
From flight reservations to restaurant recommendations, your concierge has got you covered.View Disclaimer 4
Tap and pay
Manage your money securely and conveniently while on the go, with a range of solutions and wearables. Plus, start spending before your card arrives with Google Pay or Apple Pay.
Enjoy five complimentary insurancesView Disclaimer 5
Travel insurances
Purchase insurances
Please see the Important Information section about changes to these complimentary insurances effective 1 November 2023.
Now includes COVID-19 coverView Disclaimer 6
Book your overseas holiday with complimentary travel insurance, knowing eligible travellers may be covered under selected insurance benefits for pandemics and epidemicsView Disclaimer 6. You must charge at least $500 of your prepaid travel costs to your NAB Platinum Visa Debit card.
What you'll need to apply
Here's what you need to know about applying and eligibility. If you’re a NAB customer, have your NAB IDYour NAB ID is an 8 to 10 digit number given to you when you first become a NAB customer. There are three ways to find your NAB ID: 1. We send it to you via email and SMS when you first become a customer. 2. On the back of your credit card or debit card, above the magnetic strip. Not all cards have this. 3. In the NAB app once you've registered for internet banking. Your NAB ID can be found under More and then My Details. This option is only available for personal profiles (not business ones). and password ready.
Identify yourself
If you’re a new customer, we’ll need either:
Check your eligibility
You must be both:
Ready to apply?
If you've checked you're eligible to apply and have all your documents ready, let's get started.
Help and support
How can I make the most of the cash back on my contactless purchases?
With a NAB Platinum Visa Debit card, you’ll earn 1% cash back on up to $1,000 of contactless purchases made in AUD each month.View Disclaimer 1 That means you can earn up to $10 cash back per month. To make the most of this, make day-to-day purchases with your NAB Platinum Visa Debit card using Visa payWave or Fitbit Pay.
How do I use my debit card when travelling overseas?
Your NAB Platinum Visa Debit Card works worldwide wherever Visa is accepted.
Before you leave, check the NAB app to ensure overseas card use is switched on and explore the range of tools and features that can give you peace of mind while travelling.
When will I benefit from a 0% international transaction fee?
Most debit cards charge fees for purchases made in foreign currencies when shopping overseas or online with international retailers. With no international transaction fee on international purchases, a NAB Platinum Visa Debit card lets you make the most of your money when shopping overseas and online, so you can spend your money on the things you want.
How can I avoid debit card fees when travelling overseas?
Your NAB Platinum Visa Debit card has no international transaction fees on purchases, so you can use your card in shops overseas without worrying about extra fees and charges. Withdrawing cash from an overseas ATM will incur a 3.5% fee, plus an overseas ATM fee of $5 AUD. Overseas ATM operators may also charge you a fee to use their ATMs. To avoid overseas ATM withdrawal fees on your card, consider your cash needs and options before you leave.
Other ways we can help
Other account options to consider
NAB Platinum Visa Debit Card and NAB Visa Debit Cards require a linked NAB transaction account. You can link an existing NAB transaction account within your debit card application or open a NAB Classic Banking account, as well as a savings account.
NAB Visa Debit card
Easy and secure access to your own money, wherever Visa is accepted.
NAB Classic Banking account
However you bank, you’ll pay no monthly account fee, ever. Spend more on what’s important to you.
NAB Reward Saver
Grow your savings faster with a higher interest rate, if you're a motivated saver.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Important Information
- Disclaimer 1
NAB Platinum Visa Debit Card Cashback Eligibility
To be an eligible spend for 1% monthly cashback, a contactless purchase must be made in AUD and processed and debited to your account by the last banking day of the month. Eligible spend is capped at $1,000 per month.
- Disclaimer 2
International transaction fee on purchases
When using your card for overseas ATM withdrawals, an International Transaction Fee and an ATM cash withdrawal fee applies. Overseas ATM operators may charge you a separate fee to use their ATMs.
- Disclaimer 3
Debit interest
Debit interest may apply to overdrawn amounts. Learn more about our personal account debit interest rates.
- Disclaimer 4
Concierge Service
This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions (PDF, 240KB), opens in new window for full details.
- Disclaimer 5
Insurances
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.
If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the insurance information booklet. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 1 November 2023 (PDF, 489KB), opens in new window which may be amended from time to time. For insurable events that occurred prior to 1 November 2023, please refer to the NAB Card Insurance Policy Information Booklet dated 30 June 2022 (PDF, 662KB), opens in new window.
- Disclaimer 6
Cover may apply under select benefits if, during the period of cover you or an eligible traveller are positively diagnosed as suffering a sickness recognized as an epidemic or pandemic, such as COVID-19. Eligibility criteria, terms, conditions, limits and exclusions apply. Refer to the NAB Card Insurance Policy Information Booklet dated 30 June 2022 see which benefits offer cover in the event that you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic.
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Any advice has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, you should consider whether it is appropriate for your circumstances and view the Personal Transaction and Savings Accounts Terms and Conditions. Target Market Determinations for these products are available at nab.com.au/TMD. NAB products issued by NAB.
See our personal banking fees and charges and indicator rates for deposit products.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
NAB Internet Banking and NAB app
These products are issued by National Australia Bank Limited.
NAB recommends you consider the NAB Internet Banking terms and conditions document, before making any decisions regarding this product.
The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.