Apply for a credit card online

  1. Complete the online application form and get a response in 60 seconds.

  2. If conditionally approved, we may ask for additional information or documents (such as payslips or bank statements) to verify your information.

  3. If approved, your physical card will arrive within five working days.

  4. Simply activate your card using the NAB app or NAB Internet Banking.

  5. Start using your card. Find out about digital payments and use this card anywhere Visa is accepted, including for overseas and online purchases.
View our credit cards

Unable to apply online?

If you’re unable to apply for a credit card online, you can visit a branch and have a banker assist you.

NAB credit card eligibility

To apply for a NAB credit card, you must be:

  • 18 years or older

  • receiving a regular income

  • an Australian resident for tax purposes

  • an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency Visa.

The following Visa categories are not acceptable:

  • Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.

What you need to have ready

Check that you have the following things with you when you do your application.

  • If you’re an existing customer, you can:

    • save time and use your NAB ID to prefill your personal and NAB financial information
    • save the progress of your online application by clicking Save and continue (you have 30 days to return and complete your application)
    • speed up your application by uploading your recent financial documents in the application form.

    You can find your NAB ID on the back of your NAB card or in your NAB app under My Details.

    To resume your application, make sure you have your NAB ID and mobile phone with you.

    We may ask to verify your income. You may not be required to provide any documents as part of the application process. NAB will only ask you for documents if we can’t verify your information.

  • If you’re a new customer, you’ll need to provide at least one form of ID in the online application form:

    • Australian driver’s licence
    • Australian passport
    • International passport.

    If you prefer to visit a NAB branch to verify your identify, make sure you have the right combination of acceptable documentation.

    You may be asked to provide recent financial documents (such as payslips or bank statements) when applying. Learn what documents we need to verify your income. You can speed up your application by having these ready.

Information you need to give us

  • Driver’s licence number (if you have one).

  • Employment details for the past three years.

  • Your income before and after tax.

  • What assets you own, including cars and homes.

  • What debts you owe, including personal loans, home loans, credit cards or buy now, pay later loans.

  • Your general living expenses including food and groceries, recreation, education and dependents, rent, medical and health, insurance, vehicle and transport.

How we assess your application

We’ll look at your creditworthiness and take steps to ensure you’re not given a product that isn’t right for you. This includes looking at your credit history, income, employment assets and expenses. Learn more about creditworthiness and why it matters.

Need help choosing the right card?

Whether you’re looking for your first-ever credit card or you’re reviewing your current card, it can sometimes feel overwhelming to compare all the different types available.

Here are the top five things to look out for:

  1. What interest rates apply

  2. The variable cash advance rate

  3. Annual fees

  4. The minimum credit limit

  5. Benefits and rewards

Use our tools below to determine which NAB credit card is the best option for you.

Help me choose the right credit product

Choose the right credit product with our easy-to-use tool.

Compare credit cards

Use our comparison tool to compare our credit card fees and features.

Balance transfer calculator

See if you could save money by transferring your credit card balance.

Help and support

We're here to help. Use our guides and support services to better manage your money.

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

View our help and support hub

Terms and Conditions

NAB Internet Banking or the NAB app
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.