With low rates, rewards and premium options available, compare NAB credit cards to find one that suits your needs.
NAB offers a range of credit cards to suit different lifestyles, spending habits and budgets. Depending on the card you choose, you can save on your credit card costs, be rewarded for your spending, earn more frequent flyer points or enjoy complimentary extras such as travel insurance.
As well as being one of Australia's largest financial institutions NAB offers a point of difference with it's credit cards: it is the only Big Four Bank that offers a flybuys reward credit card. Use this guide to compare NAB credit cards, weigh up the costs, features and benefits and click "Go to Site" to begin your secure online application.
0% p.a. for 24 months on balance transfers
Exclusive to finder.com.au
Offer ends 31st August 2017
Eligibility criteria, terms and conditions, fees and charges apply
Exclusive to finder.com.au - NAB Credit Card Offer
The NAB Premium Card features a range of platinum benefits and a long-term balance transfer offer exclusive to finder.com.au
- 0% p.a. on balance transfers for 24 months on a new NAB Premium Card. BT reverts to cash advance rate (currently 21.74% p.a.)
- No balance transfer fee when BT requested upon application.
- Receive seven complimentary insurance covers including overseas travel insurance, plus, access to the 24/7 NAB Concierge Service.
- Request an additional cardholder at no extra cost.
- Must apply through finder.com.au to take advantage of this offer.
Comparison of NAB Credit Cards
Types of credit cards from NAB
NAB credit cards are designed to suit many different needs, with low rate and low fee options, as well as reward and frequent flyer cards.
Low rate and low fee credit cards
Low rate and low fee credit cards can be a useful option for cardholders who are looking to avoid high card costs. Depending on the card you compare, you can find NAB cards that offer balance transfers, competitive purchase rates, low annual fees and interest-free days on purchases. You can compare some of these options below:
Rewards and frequent flyer credit cards
NAB rewards credit cards give you the choice of earning points for your spending through the following programs: NAB Rewards, Qantas Frequent Flyer, Velocity Frequent Flyer and Coles' flybuys. Some NAB rewards cards also come with both a Visa and an American Express card, allowing you to earn more points per $1 depending on which card you use. Many of these cards also come equipped with perks such as complimentary travel insurance and international security cover.
The benefits of banking with NAB
Some of the convenient features you can enjoy when you get a NAB credit card include:
NAB Internet and mobile banking
If you have a NAB credit card, you can access your account through NAB Internet and mobile banking. This means you can manage your account, make payments to other accounts in Australia and overseas, request a credit limit increase or apply for another NAB product from anywhere in the world and at any time.
NAB complimentary travel insurance
Some of the NAB rewards and premium credit cards come with complimentary travel insurance. Available to eligible cardholders and issued by QBE Insurance, this cover could include overseas medical, cancellation or holiday deferment costs, emergency travel arrangements, accommodation expenses and missed connections. You have to use your card to cover a minimum of $500 prepaid travel costs and meet the eligibility requirements to activate the cover. For details of the cover available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).
Dual cards with Visa and American Express
Some NAB rewards cards are issued with a Visa and an American Express Card. While Visa is more widely accepted in Australia, spending with your American Express gives you the chance to earn more points per $1 to help maximise your rewards. Plus, you'll also benefit from both Visa and American Express privileges such as American Express Connect and Visa Entertainment deals.
NAB reward credit cards — choose to earn NAB Rewards, flybuys points or frequent flyer rewards
NAB is one of two Australian credit card issuers that allow you to earn flybuys points when you pay on plastic. If you frequently shop with flybuys partners, such as Coles, Kmart, Target and Liquorland, this is a convenient way to get extra perks from your card. You can redeem your flybuys points for discounts with flybuys partners, flights, gadgets, fashion and more. If you opt for a NAB credit card with Velocity or Qantas, you can pick up frequent flyer points on all eligible purchases to redeem for flight rewards with either Qantas or Virgin Australia and their partnered airlines. If you use a card connected to the NAB Rewards program, you can also look forward to redeeming your points for everything gift cards and homewares to travel perks and cashback.
How to apply for a NAB credit card
If you've compared your options and decided you'd like to apply for a NAB credit card, you can begin your secure online application by clicking on the green "Go to Site" button. Before you do, make sure you've met the following eligibility requirements and have the necessary documents on hand:
- Age. You must be at least 18 years old.
- Residential status. You'll usually need to be an Australian citizen or permanent resident of Australia to apply. Make sure to confirm the card's specific residential status requirements before you apply.
- Credit history. You'll need to have a good credit history and no recent evidence of defaults or bankruptcy.
Information you need for your application
If you meet the eligibility requirements, start collecting the following information to ensure your application goes smoothly:
- Personal information. You'll need to provide personal information such as your address and your contact information. You'll also need to verify your identity by providing an accepted form of identification, like your driver’s licence number.
- Financial information. You will also need to detail information about your employment, income and assets like shares or property and your employer’s contact details. If you're self-employed, you may need to provide information regarding your expenses, liabilities and your accountant's contact information.
There are many types of NAB credit cards that could suit potential Australian credit card holders. However, as there are many other credit card products on the market, it's important to compare your options before applying.
Frequently asked questions
Below you can find some of the most commonly asked questions about NAB credit cards. If you still can’t find the answer to your question, get in touch with us using the form at the bottom of the page.
How do I transfer a balance to a NAB credit card?
If you want to repay an existing balance, you can take advantage of a 0% balance transfer offer with an NAB credit card. This allows you to consolidate your debt and pay it down without the burden of interest for a promotional interest.
To get a promotional balance transfer interest rate, you must request the balance transfer at the time of your application. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.
How do I set up Internet banking with my NAB credit card?
To set up internet banking, you will need two things on hand. One is your NAB identification number, found on the back of a NAB credit card, and a NAB internet banking password – this is either a temporary password that was issued at a branch or your NAB telephone banking password. If you can’t recall what your temporary password is, call NAB on 13 22 65. Once you have these details, head to the NAB website and click on the register button. Enter your details and create an internet banking password. From here you can activate a range of services that allow you to pay different accounts with ease.
Does the annual fee collect interest?
NAB classifies the annual fee as a purchase. Therefore, if you have a card with no interest on purchases for the first few months, you won’t have to pay interest on the fee unless you haven’t repaid the amount by the time the revert rate kicks in. Similarly, if your card offers interest-free days on purchases and you repay your balance in full in the previous statement period, your annual fee won’t accrue any interest.
What happens if my card is lost or stolen?
If your card has been lost, stolen or damaged, you can call the 24/7 NAB customer service team on 1800 033 103. If you’re overseas, you can call +61 3 8641 9121 instead.
My credit card is about to expire, how do I get a new one?
NAB will automatically send you a replacement card one month before your current card expires. In some cases, the card might not be delivered to your home but rather to your nearest bank branch. You will be notified by mail when this happens. If your card has expired and you haven’t received a replacement card in the mail or in your local NAB branch, call the NAB customer service team on 13 22 65 and advise them of the situation. Alternatively, you can send a secure message to NAB through your internet banking messaging system.
How do I increase or decrease the credit limit on my NAB credit card?
If you want to increase or decrease your credit card limit, you can call NAB on 13 22 65 from 8am to 7pm Monday-Friday or 9am to 6pm on weekends. You can call during these hours on +61 3 8641 9083 if you're overseas. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information and it might take a few days for NAB to verify the information and assess your request.
If you're asking for a credit decrease, NAB should be able to process your request as soon as possible.
See our guide on how to request a credit limit increase for more details.
What’s a NAB identification number?
The NAB Identification Number (NIN) is a unique identifier that is issued to all NAB customers. You can find your NIN at the back of your card, near the top, it is an 8-digit number. If you would like to confirm or reset your NIN, you may call customer service on 13 22 65.
What’s a security number?
Every card comes with a 3-digit security number (or CVV number) that is used for certain transactions to verify the ownership of the card. You can find your security number at the back of your card, right beside the signature field. You can find out how your CVV number works in this guide.