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.
Card account terms and conditions
NAB credit card Terms and Conditions - applies to all NAB credit cards, except the NAB StraightUp Card.
NAB StraightUp Card Terms and Conditions - applies to the NAB StraightUp Card.
NAB Electronic Banking (card based) terms and conditions - applies to all NAB credit cards.
Rewards program terms and conditions
NAB Rewards Terms and Conditions (PDF, 167KB), opens in new window - applies to all NAB Rewards credit card accounts.
Velocity NAB credit card account: Velocity Points Terms and Conditions (PDF, 91KB), opens in new window - applies to all Velocity NAB credit card accounts.
NAB Qantas Credit Card Account Reward Terms and Conditions - applies to all NAB Qantas credit card accounts.
Flybuys Rewards Points Terms and Conditions (PDF, 66KB), opens in new window - applies to all NAB flybuys Rewards card accounts.
Cash back terms and condition
NAB cash back Terms and Conditions (PDF, 97KB), opens in new window - applies to NAB Visa Mini accounts.
Product disclosure statements
NAB Credit Card Cover product disclosure statement and policy document (PDF, 471KB), opens in new window - applies to eligible NAB cardholders who hold NAB Credit Card Cover.
Complimentary card insurance
NAB Card Insurance Policy Information Booklet dated 1 November 2023 (PDF, 489KB), opens in new window - applies to all NAB Signature, Platinum or Premium cards.
Please note there are upcoming changes to complimentary insurances effective 1 November 2023. For more information, visit Information about changes to complimentary insurances.
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Important information
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