13.49 % 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.
Choose the offer that’s right for you
Your choice of offers: select either our cashback offer or our promotional balance transfer offer.
Offer
$400 cashback
Offer
Enjoy our lowest interest rate on purchases and the opportunity to get cashback to your new card.
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.
Offer
NAB Low Rate Card balance transfer offer
Offer
Take advantage of our balance transfer offer and pay off your existing credit card balance(s) sooner.
We can’t process balance transfers from certain issuers – see our indicative list.
Minimum monthly repayments required. NAB may vary or end these offers at any time. See important information.
Rates and fees
Learn more about our standard interest rates and minimum credit limits.
Variable purchase rate
Interest free days on purchases
Up to 55 days
Variable cash advance rate
21.74 % p.a.
| Annual card fee |
$59 p.a. |
|---|---|
| Minimum credit limit | $1,000 |
Benefits of this card
Save on interest
Enjoy our lowest everyday purchase rate.
Fraud protection
NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.
Add another cardholder
Add an additional cardholder at no extra cost.
24/7 emergency assistance
We're here for you 24/7 over the phone if your credit card is lost or stolen.
Visa Entertainment
Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.
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 annual card fee than the NAB Low Fee Card.
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No complimentary insurances.
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You won’t earn rewards points.
Applying is easy
Cashback Offer
Apply for our $400 cashback offer
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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
Balance Transfer Offer
Apply for our 24 month BT offer
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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
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
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.