NAB Business credit cards

Manage your corporate expenses with a NAB business credit card.

Whether you want to manage your business cash flow, earn points on corporate expenses or set individual credit limits for your additional cardholders, NAB offers a variety of business credit and charge cards to suit small to medium-sized businesses. You can use this guide to compare NAB business credit cards, discover how they work and determine whether one is right for your organisation.

Business Credit Card Offer

NAB Qantas Business Signature Card

Earn 100,000 bonus
Qantas Points

Eligibility criteria, terms and conditions, fees and charges apply

Business Credit Card Offer

Collect 100,000 bonus Qantas Points with a NAB Qantas Business Signature Card and manage your business expenditure under a single account.

  • Receive 100,000 bonus points when you spend $4,000 on everyday business purchases within 60 days of account opening.
  • Earn 0.66 Qantas Points per $1 spent on everyday business purchases, capped at $50,000 spend per statement period.
  • Add multiple cards with individual credit limits, plus, receive monthly statements per cardholder and an overall summary report.
  • Receive unauthorised transaction insurance and transport accident insurance, plus, access to the 24/7 NAB Concierge Service.
  • NAB may vary or end this offer at any time.
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NAB Business Credit Cards comparison table

Rates last updated December 19th, 2018
Name Product Rewards Program Annual fee Complimentary Travel Insurance Product Description
NAB Qantas Business Signature Card
Qantas Frequent Flyer
$295 p.a.
Receive 100,000 bonus Qantas Points and earn points on everyday business purchases. Also get up to 44 days interest-free and multiple cards.
NAB Rewards Business Signature Card
NAB Rewards
$175 p.a.
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening.
NAB Low Rate Business Card
$0 p.a. annual fee for the first year ($60 p.a. thereafter)
Manage your cashflow with up to 55 days interest-free on business purchases and receive complimentary unauthorised transaction insurance.
NAB Business Card
$108 p.a.
A charge card that gives you up to 35 days interest-free on business purchases and complimentary business liability insurance.
NAB Purchasing and Corporate Card
Take control of your business spending and monitor expenses with FlexiPurchase expense management software.

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The benefits and features of NAB business credit cardsnab-logo

The perks, fees and features vary from card to card, but some of the benefits you can expect from NAB business credit and charge cards include:

  • Manage business expenses. A business credit card could help you manage cash flow and your business expenses under a single account.
  • Manage and monitor employee spending. If your employees need access to a company credit card, you can request additional cardholders to link to the single account. You can also set individual credit limits for each additional card. This means you can monitor employee spending and manage your corporate costs with convenience under the one account.
  • Expense reporting systems. Some cards come equipped with transparent expense reports to help you keep track of your business spending.
  • Interest-free days. If you opt for a business credit card, you can take advantage of interest-free days on business purchases if you pay your balance in full by the due date on each statement. Note that interest-free days are not available for cash advances.
  • Reward points. Some NAB business credit cards come linked to a rewards program, allowing you to earn points on business purchases. As personal credit cards often exclude business expenses from the list of eligible transactions that earns points, this can help businesses get more value from their credit card.


NAB business tools and services

NAB offers a range of accounts, tools and support services for businesses of all sizes. So if you get a NAB business credit card, you'll also be able to access resources designed to help you manage your finances and achieve your business goals – including NAB Connect and NAB Business Fundamentals.

Manage your accounts with NAB Connect

NAB Connect is an Internet banking tool designed to assist business customers. If you have multiple NAB accounts, NAB Connect allows you to view balances and transact across all accounts including business accounts, personal accounts, credit cards, foreign currency accounts and more.

You can also use NAB Connect to add new users and accounts and manage your card security. As well as these features, it is equipped with the functionality and tools to help reduce administration, avoid manual reconciliation and the ability to manage your business and customer needs. NAB Connect comes with a monthly payment service fee, which is waived if your accounts are bundled in a NAB Business Fundamentals package.

NAB Business Fundamentals package

If you have more than one NAB account, NAB Business Fundamentals allows you to create a personalised package of products to suit your business. You must have a business transaction account and online banking, and then you can bundle these with products including NAB credit or charge cards, NAB BPAY, NAB EFTPOS and NAB Superpay.

Combining your separate NAB accounts into a Business Fundamentals package can help you manage your cash flow, receive payments and save on some costs that come with choosing these products separately. Visit the NAB website for more information and to compare the full range of products you could bundle into your NAB Business Fundamentals.

How to apply for a NAB business credit card

If you’ve compared your options and decided to apply for a NAB business credit card, you can apply online or in-branch.

The eligibility requirements and necessary documents will vary from card to card, but here are some examples of the types of eligibility requirements you’ll need to meet and information you’ll need to provide to complete your application.

Eligibility requirements

  • Age. Applicants must be at least 18 years old to apply.
  • Minimum income requirement. Most credit cards require applicants to meet a minimum annual income requirement to receive approval.
  • ABN. You’ll need to have an ABN to apply.
  • Good credit history. You’ll usually need a good credit history to receive approval.

As the eligibility requirements vary between products, make sure to confirm the specific card criteria before you apply.

Required documents and necessary information

Some of the information you’ll need to provide includes:

  • Copies of business financial statements
  • Copies of any interim business financial figures
  • Copies of personal taxation returns for business partners or directors
  • The current value of any personal assets and liabilities of all business partners and directors
  • Balances of any existing loans or lines of credit
  • A copy of your Australian Taxation Office (ATO) Tax Portal Activity Statement and ATO Tax Portal Itemised Account. These should be no more than three months old.

NAB offers a variety of credit card options for businesses. However, as it isn’t the only card issuer to offer business credit cards, you should compare your options before you apply.

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Credit Card Offers

Important Information*
Citi Clear Platinum Credit Card

Interest rate


Annual fee


*$99 p.a. after first year

ANZ Low Rate

Interest rate


Annual fee

Suncorp Clear Options Platinum Credit...

Interest rate


Annual fee


*$129 p.a. after first year

NAB Low Fee Platinum Card

Interest rate


Annual fee


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Credit Cards Comparison

Rates last updated December 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
NAB Low Fee Platinum Card
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.

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* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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