Important Upcoming personal card changes
From 23 June 2025, we’re increasing fees on our NAB Personal credit cards (excluding NAB StraightUp Card). The late payment fee will increase from $15 to $20. The cash advance fee will increase from 3% or $3 (whichever is greater) to 3.5% or $3.50 (whichever is greater).
Learn more about how to avoid these fees.
Upcoming Complimentary Insurance changes
Effective 1 July 2025 – For some NAB cards, excesses for certain covers will increase, and 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.
Please read the summary of changes for further details and how they will affect your insurance cover.
Overview
- Complimentary insurances – see the Insurance section for details.
- Up to 55 Interest free days on purchases.
- Minimum Credit limit $6000.
- Add an additional cardholder at no extra cost.
Rates and fees
Variable purchase rate
13.99% p.a.
Variable cash advance rate
21.74% p.a.
Standard balance transfer rate
0% p.a. for 12 months
Balance transfers
We can’t process balance transfers from certain issuers – see our indicative list.
Balance transfer fee
3% balance transfer fee applies.
Annual card free
$100 p.a.
Other fees may apply.
Annual card fee and interest rates are subject to change. Correct as at 5 February 2022. View full details of fees and charges.
Insurance
Complimentary insurances include:
- International travel insurance
- Domestic travel insurance
- Rental vehicle excess insurance in Australia
- Purchase protection insurance
- Extended warranty insurance
Benefits of Visa
- Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.
- Make contactless purchases, opens in new window under $100.
- Shop with confidence online with Visa Secure.
- Emergency travel assistance from Visa Global Customer Assistance Services, opens in new window, 24 hours, 7 days a week.
Other NAB credit cards
NAB Low Rate Card
Our low rate credit cards can give you the peace of mind that comes with a low interest rate.
NAB Low Fee Card
Enjoy our lowest annual card fee of only $30, so you can save your cash for the things you love.
Credit cards
Compare between our credit cards to find the right one for you.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
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