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.
Credit card rewards points offers
Earn points on your credit card purchases and receive rewards points when you open a new NAB credit card.
Offer
NAB Qantas Rewards Signature Card
120,000 bonus Qantas Points
Minimum credit limit $15,000. Minimum monthly repayments required. NAB may vary or end this offer at any time. Eligibility criteria and terms and conditions apply.
NAB Rewards Platinum Card
100,000 bonus NAB Rewards Points
Minimum credit limit $6,000. Minimum monthly repayments required. NAB may vary or end this offer at any time. Eligibility criteria and terms and conditions apply.
NAB Rewards Platinum Card
80,000 bonus Velocity Points
Minimum credit limit $6,000. Minimum monthly repayments required. Offer ends Thursday 31 July 2025. Eligibility criteria and terms and conditions apply.
Credit card cash back offer
Offer
NAB Low Rate Card cashback offer
$400 cashback
We can’t process balance transfers from certain issuers – see our indicative list.
This offer is only available online. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Credit card tools and calculators
Get help to choose the right card or help calculate savings with a balance transfer.
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.
Related products
Transaction accounts
Access your money with our everyday bank accounts with no monthly fees.
Credit cards
Compare between our credit cards to find the right one for you.
Personal loans
You can use our personal loans to get the car you want, consolidate your debts or for something else, like a new motorbike, boat, or renovation.
Contact us
Online support
Let us help you with your personal banking needs.
Chat online
Our virtual assistant can help with most enquiries, or point you in the right direction if you need to contact us.
Terms and Conditions
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Target Market Determinations for these products are available at nab.com.au/TMD.
Credit cards terms and conditions apply to NAB Rewards Signature Card, Qantas Rewards Signature Card and NAB Low Rate Card. Personal interest rates, fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and card fees, subject to change. Correct as at 30th May 2023. Credit cards issued by National Australia Bank Limited.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.