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.

Offer
$400 cashback

  • $400 cashback when you spend $5,000 on purchases within 150 days from account opening.

Purchases must be processed and charged to your account in the 150 day period from account opening to count towards the spend criteria.
This offer is only available online. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Rates and fees

Variable purchase rate
13.49% p.a.
Standard balance transfer (BT) rate for 12 months
3% BT fee applies. Unpaid BT reverts to variable cash advance rate
We can’t process balance transfers from certain issuers – see our indicative list. 		0% p.a.
Interest free days on purchases Up to 55

Annual card fee

 $59 p.a.
Minimum credit limit $1,000
Variable cash advance rate
This is the interest rate charged on amounts you withdraw as cash, gambling transactions (including lottery ticket purchases), or transfer from your credit card to another account. 		21.74% p.a.

Not the right card for you? We can help you choose a different one. 

Help me choose a card

Eligibility Check you're eligible to apply online

  1. You're 18 years or older.

  2. You receive a regular income.

  3. You’re an Australian resident for tax purposes.

  4. You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.

Read important information for visa categories that are not acceptable.

Have these items ready

Are you an existing or new customer?

Existing

Unlock offers for existing customers

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more.

Here's how to get started:

  • Log into the NAB app or NAB Internet Banking.

  • For NAB app users go to Products, then 'Credit Cards'.

  • For Internet Banking users go to Products, then ‘Credit Cards’.

  • Browse available offers on eligible new NAB credit cards.
Login to NAB Internet Banking , opens in new window

New to NAB Internet Banking? Register now, opens in new window

Save time and use your NAB Internet Banking login to pre-fill your personal and financial information (this may include debts you have with other financial institutions).

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

Be prepared and have the following documents and information ready before you start your application.

  • Maximum credit limit you would like to apply for.

  • Employment details for the past three years.

  • Your financial information - income, assets, debts and expenses.

  • Proof of income (such as payslips or bank statements).

New

Be prepared and have the following documents and information ready before you start your application.

  • At least one form of ID (Australian driver’s licence, Australian passport or international passport).

  • Maximum credit limit you would like to apply for.

  • Employment details for the past three years.

  • Your financial information - income, assets, debts and expenses.

  • Proof of income (such as payslips or bank statements).

How to apply

Apply online today and start using your card in a few easy steps.

Step 1. Applying online is easy

Allow up to 15 minutes to complete the application form and get a response in 60 seconds.

Step 2. We’ll verify your application

If you’re conditionally approved, we may ask you for additional information or documentation, such as payslips or bank statements.

Step 3. Receive and activate your card

If approved, your physical card will arrive at your residential address within five to seven working days, or up to ten working days if you requested the card be sent to a branch. Activate and set up your new card using the NAB app or NAB Internet Banking.

Ready to apply?

If you've checked you're eligible to apply and have all your documents ready, let's get started.

Apply now

Terms and Conditions

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.