20.99 % p.a.
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.
How the cash back offer works
You’ll receive $200 cashback when you spend $1,500 on purchases within 90 days from account opening.
Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Features and benefits
Get more for your money with complimentary services and special offers through Visa Entertainment.
Save on annual fees
Reduce ongoing card costs with our lowest annual card fee.
Complimentary purchase protection insurance
For loss or theft of, or accidental damage to new personal items purchased with your card anywhere in the world, for 90 days from when you get your item.
Add another cardholder
Add an additional cardholder at no extra cost.
Visa Entertainment
Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.
Fraud protection
NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.
Digital wallet payments
Tap and pay with the smartphones and wearables you already own and use everyday.
Things to consider
We want to help you choose the right card, so here are a few things to consider about this card before you apply.
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Higher interest rates compared to our NAB Low Rate Card
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You won’t earn rewards points.
Standard rates and fees
NAB Low Fee Card rates, fees and limits.
Variable purchase rate
Balance transfer rate
0 % p.a.
For 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to the variable cash advance rate.
We can’t process balance transfers from certain issuers – see our indicative list.
Variable cash advance rate
21.74 % p.a.
| Annual card fee | $30 |
|---|---|
| Interest free days on purchases | up to 44 days |
| Minimum credit limit | $1,000 |
Applying is easy
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You need to be at least 18 years old to apply
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Complete your application in 15 minutes and get a response in 60 seconds
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You may be asked to provide payslips or bank statements
Terms and Conditions
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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.
NAB Credit Card Terms and Conditions