Save and easily manage payments

Bring the balances of your non-NAB cards across to your NAB credit card account to take control of your finances today.

To process the balance transfer, a one-off 2% fee will be applied to your account, calculated on the amount transferred. Unpaid balance transfer amounts will revert to the variable cash advance rate when the promotion period ends.

Minimum monthly repayment required. Eligibility criteria and terms and conditions apply. Offer may end at any time.

Please note, we can’t process balance transfers from certain issuers. View an indicative list of issuers.

Here’s an example of how you could save over 28 months

Balance transfer amount

Other card interest paid at 20.99% p.a.

Your savings^

$5,000

Other card interest paid at 20.99% p.a.

$2,371

Your savings^

$2,270

$8,000

Other card interest paid at 20.99% p.a.

$3,785

Your savings^

$3,624

^Comparison assumes standard purchase interest rate of 20.99% p.a. for other non-low-rate bank card or store card and that during the 28-month period you make only the required minimum monthly payment by the due date of 2% per month or $25 for 28 months, whichever is greater. Assumes $30 NAB Annual Fee and $30 comparison annual fee. ‘Your savings’ amount includes a reduction for the 2% BT Fee. Also, that there's no other amounts owing on the NAB credit card during the 28-month period, however no other fees or other charges have been included in these savings calculations.

Apply online

Applying for a NAB balance transfer is simple and takes under 5 minutes.

Apply now , opens in new window

We can’t process balance transfers from certain issuers

You’ll need to make sure your BPAY® reference number for your non-NAB card is the same as your non-NAB card number as we use this number to process your balance transfer request. If these numbers are not the same, we won’t be able to process your balance transfer. 

Please check the numbers match before applying for a new card with a balance transfer or requesting balance transfer on an existing card. Your BPAY reference number can be found on your credit card statement.

Balance transfer indicative list

We are aware that some card numbers and BPAY reference numbers don’t match for cards from the following issuers:

  • Bendigo Bank
  • ING
  • Latitude Finance
  • Great Southern Bank
  • Heritage Bank
  • Adelaide Bank
  • credit unions
  • AMEX cards

Note: this is an indicative list.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

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Terms and Conditions

Credit Card Terms and conditions and Target Market Determination available here. 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 and subject to change. Credit cards issued by National Australia Bank Limited. 

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.