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.
A credit product tailored to you
Not sure which credit product to choose for your needs? Use our product selector tool to help you choose the right credit card, personal loan, or buy now pay later product for you. Whether it’s to cover wedding costs, travel, expenses or everyday purchases, we have you covered.
Our products are easy to use and feature low rates and fees, alongside flexible payment options. NAB credit card holders also have the opportunity to earn reward points, enjoy premium services such as international travel insurance and can even gain access to specific events. Other product features can include a monthly fee, no interest on outstanding transactions, and special balance transfer offers.
Understand how credit cards work
It is important to have a basic understanding of our credit cards, read about how our credit cards work for additional information.
Do you need a personal loan or a credit card?
This can be a tricky decision. We can help you select the right option of which might be a more suitable borrowing option for you.
What is buy now pay later?
Here’s what you need to know about shopping with buy now pay later or instalments products.
Important information
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Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
Fees and charges
Read our credit card terms and conditions. Credit card fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today.
Credit cards issued by National Australia Bank Limited. National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.
Forms and links
NAB Credit Card Terms and Conditions