We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
NAB offers a range of credit cards to suit different spending habits and goals. Depending on the card you choose, you can save on credit card costs, be rewarded for your spending, earn more frequent flyer points or enjoy perks such as complimentary insurance. If you're a business owner, you could also manage your finances and keep track of employee spending with a NAB business credit card account.
Use this guide to compare NAB credit cards and weigh up the costs, features and benefits. You can also apply for a NAB credit card by clicking the "Go to site" button, or hit "More info" to read a detailed review of any NAB card you want to know more about.
NAB Credit Card Offer
NAB Qantas Rewards Signature Card
Earn up to 110,000 bonus Qantas Points Discounted $295 first year annual fee
Eligibility criteria, terms and conditions, fees and charges apply
NAB Credit Card Offer
Earn up to 110,000 bonus Qantas Points, take advantage of complimentary insurance covers and a 24/7 concierge service.
90,000 bonus Qantas Points (spend $3,000 within the first 60 days) and 20,000 points after 12 months
First-year annual fee of $295 ($395 p.a. thereafter)
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
NAB credit cards can suit many different needs, with low rate and low fee options, as well as rewards and frequent flyer cards. There are also platinum and premium credit cards that offer more benefits, such as complimentary insurance. Here's a summary of each of the main types of NAB credit cards you can choose from:
Low rate and low fee credit cards
Low fee and low rate credit cards can help you avoid the high account costs that come with some other credit cards. NAB offers a range of credit cards with competitive purchase rates, low annual fees and interest-free days on purchases, as well as introductory balance transfer offers.
Rewards and frequent flyer credit cards
Rewards credit cards offer you points for your spending, with a choice of either NAB Rewards or Qantas Frequent Flyer rewards. Some NAB reward cards also give you perks such as complimentary travel insurance and purchase insurance cover.
The benefits of banking with NAB
Some of the features you can enjoy when you get a NAB credit card include:
Mobile payment and banking options
If you have a NAB 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 at any time. This also means you get to enjoy the convenience of making contactless payments using your compatible device as NAB credit cards are eligible for Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay.
NAB credit card complimentary insurance
Some NAB rewards and premium credit cards come with a range of complimentary insurance options for purchases and travel. For details of the insurance available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).
NAB reward credit cards – choose to earn NAB Rewards or frequent flyer rewards
NAB credit cards offer several different reward options. If you choose a card that earns points through the NAB Rewards program, you'll be able to use your points for a range of rewards including frequent flyer points, travel, merchandise and gift cards. NAB also offers Qantas frequent flyer credit cards that earn Qantas Points per $1 spent on eligible purchases. On 13 November 2017, NAB ended its partnership with Flybuys and stopped offering the Flybuys Reward card.
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 online application by clicking on the green "Go to site" button. This will take you to a secure NAB credit card application page, which should take about 25 minutes to complete if you have all the necessary documents and details ready.
Before you get started, make sure you meet the eligibility requirements and have the necessary documents on hand. These requirements can vary between cards but generally include the following details:
Eligibility requirements
How old are you? You must be at least 18 years old to apply for a NAB credit card.
What is your Australian residency status? You usually need to be an Australian citizen or permanent resident of Australia to apply. If you're not a permanent Australian resident or citizen, NAB may require details of your last overseas address. As card requirements vary, make sure you check the residency status requirements before you apply for any NAB credit card.
What is your credit history like? Ideally, you should 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 provide a detailed 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.
NAB offers credit cards with a range of competitive features that suit different spending habits and needs. As there are many other credit card products on the market, it's important to compare your options before applying.
Frequently asked questions about NAB credit cards
Want to know more about credit cards from NAB? Here, you'll find answers to some of the most commonly asked questions about NAB credit cards. If you still can’t find the answer to your question or if you want to leave us some feedback, get in touch using the form at the bottom of the page.
If you want to repay an existing balance, you could take advantage of a promotional low or 0% balance transfer offer with a 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 for an eligible NAB credit card. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.
You can pay off your NAB credit card using the following options:
BPAY. Transfer funds from any eligible Australian bank account by using the Biller Code 1008 and entering your NAB credit card number as the Customer Reference Number. Remember to allow up to two business days for the payment to go through.
NAB Internet Banking or mobile app. If you're making a payment from another NAB account, log in to your NAB account online or via the NAB App, select the card and follow the prompts to make a payment.
NAB Telephone Banking. Call 13 22 65 and follow the prompts to make a payment.
Direct debit. You can set up a direct debit from a NAB account using Internet Banking or by filling out a Direct Debit Request form available on the NAB website. Note you'll need to provide the account number and BSB of the bank account you'd like the payment to come out of each month, as well as choosing whether the direct debit will be for the minimum amount, full amount or a fixed dollar amount.
NAB branch. You can pay off your credit card in person at any NAB branch.
By post. Your NAB credit card statement includes instructions on how to post your payment via bank cheque.
At Australian Post. You can repay your NAB credit card at an Australia Post outlet that offers the Bank@Post service. You'll need your credit card and PIN to complete the repayment.
To set up Internet banking, you will need the following information on hand:
Your NAB identification number, found on the back of your NAB credit card
One of the following: Your mobile phone number (if you've provided it or registered for SMS security); your NAB Telephone Banking password; or a temporary password that was issued at a branch. 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 a secure Internet banking password. From here, you can activate a range of services that allow you to pay different accounts with ease.
Yes. 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.
If your card has been lost, stolen or damaged, you can immediately block it and request a replacement through your NAB Internet bank account or the NAB mobile app. You can also use these services to temporarily lock your NAB credit card while you try to find it or request a replacement for a damaged card.
To find these options, simply log in to your account online or via the mobile app, go to the "My cards" section and click on "Manage my cards". You can then choose between the options above.
Alternatively, you can call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. If you’re overseas, you can call +61 3 8641 9121 instead.
Your credit card expires on the last day of the month shown on the front of your card. For example, if your card lists an expiry as 11/21, it would expire on 30 November 2021. NAB will automatically send you a replacement card about two weeks before the expiry date that's listed on your card.
If your card has expired and you haven’t received a replacement card, call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. Alternatively, you can visit a NAB bank branch.
If you want to increase or decrease your credit card limit, call NAB on 13 22 65 from 8am to 7pm Monday-Friday or 9am to 6pm on weekends (AEST). If you're overseas call +61 3 8641 9083 during these hours. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information. Note that credit limit increases are subject to criteria and approval.
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.
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 NAB card, right beside the signature field. You can find out how your CVV number works in this guide.
You can permanently close a credit card account with NAB by calling 13 22 65 or +61 3 8641 9083 if you're overseas. You can also cancel your credit card by sending NAB a secure message via Internet Banking. Before closing your account, make sure all outstanding balances are paid off.
If your card has been lost, stolen or if you see suspicious transactions on your account, you can temporarily block it instead of cancelling it by calling 1800 033 103 in Australia or +61 3 8641 9121 from overseas. You can also do this at any time through the NAB Mobile Banking app or NAB Internet Banking.
The NAB Rewards Business Signature lets you earn points as you manage your business expenses and offers exclusive business travel and retail deals from Visa.
The NAB Low Rate Platinum Card offers a low introductory rate on purchases and balance transfers, plus premium perks like international travel insurance and a concierge service.
The NAB Business Card offers additional cardholders with individual credit limits, up to 35 interest-free days on business purchases and liability insurance.
It appears that NAB Prepaid Everyday Mastercard is not offered on our website. If you are still looking for an everyday transaction account from NAB, you may consider opening a NAB Classic Banking Transaction Account. The Classic account comes with a NAB issued Visa debit card. This card can be used to make purchases at locations where debit cards and Visa credit cards are accepted forms of payment. Otherwise, you may refer to our list of other everyday transaction accounts.
As a friendly reminder, review the eligibility criteria, fees, interest rates, and terms & conditions of this account before applying. You may also contact the bank should you have any questions about their product.
The NAB low-rate credit card does not accept applicants on temporary visas. If you press the ‘More info’ link, it will redirect you to our product review page . Form there, look for the Eligibility tab to check the residency requirement per card.
Please note that all credit cards have minimum repayments, which usually are calculated as 2% or 3% of your total balance charged that statement period.
How does balance transfer cards work? One has to apply for balance transfer amount at the time of application, if I am not sure, how much I need to balance transfer (I have not made any expense from my existing card)? Can I just apply for tentative balance transfer amount and once I my expenses limit (From existing card) reach to balance transfer amount, I simply call bank and ask them to transfer?
The amount you may be able to transfer will depend on the bank. Some banks allow you to transfer 90% of your credit limit.
Please check out these balance transfer credit cards and get 0% interest for up to 24 months and save money with balance transfer credit cards.
Once you have chosen a particular card, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with your application or get in touch with their representatives for further assistance.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Hi, I recently opened a Platinum dual credit card with NAB, and on the finder website, it said there is a 50,000 Qantas bonus points if you spend $2,500 within first 3 months. The bank doesn’t seem to know about this and I cannot now find this on the finder website. Can you please elaborate?
Thank you
You might be referring to NAB Rewards Platinum Card where you can get 50,000 bonus points in the first 60 days when you meet the spend requirements. Plus earn at least 2 points per $1 spent in the first 6 months (capped at 10,000 per month). You can check our page about NAB Rewards Platinum credit card to learn more.
You may avail this by clicking the ‘Go to site’ from our finder page then it will direct you to NAB official site to submit an online application.
If you are asking about NAB, you can check their NAB travel money.
Alternatively, you can also check other prepaid cards on our website. You should be able to find details on prepaid cards on that page and even a comparison table to check your options.
Before choosing a card, please read through their terms, conditions, and features.
I filled out online application form for a nab credit card. After getting to the approved page except for info needed I lost everything off my phone so I’m not sure if the application went through or not
Generally, credit card companies process applications within 1-2 weeks. However, if you want to make a follow-up of your application, you can call the card issuer directly. You may like to read about our guide on checking credit card applications to get an idea of how to track the status of your application.
With nab credit cards, what is the best card to use with car rental for free rental car damage insurance? & extended warranty coverage for personal purchase!
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
I am looking for a NAB pre paid everyday mastercard/
Can’t find on your website
Hi Laurelle,
Thanks for your message.
It appears that NAB Prepaid Everyday Mastercard is not offered on our website. If you are still looking for an everyday transaction account from NAB, you may consider opening a NAB Classic Banking Transaction Account. The Classic account comes with a NAB issued Visa debit card. This card can be used to make purchases at locations where debit cards and Visa credit cards are accepted forms of payment. Otherwise, you may refer to our list of other everyday transaction accounts.
As a friendly reminder, review the eligibility criteria, fees, interest rates, and terms & conditions of this account before applying. You may also contact the bank should you have any questions about their product.
Hope this helps!
Best,
Nikki
Can I get a NAB Low Rate Card on a temporary visa?
Hi Deez,
Thank you for leaving a question.
The NAB low-rate credit card does not accept applicants on temporary visas. If you press the ‘More info’ link, it will redirect you to our product review page . Form there, look for the Eligibility tab to check the residency requirement per card.
You may also refer to our list of credit cards for temporary residents to compare credit cards that temporary visa holders can consider.
Hope that helps.
Kind Regards,
​Mai
How do I calculate the minimum payment over the next 10 years?
Hi Peter,
Thank you for getting in touch with Finder.
Please note that all credit cards have minimum repayments, which usually are calculated as 2% or 3% of your total balance charged that statement period.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
How does balance transfer cards work? One has to apply for balance transfer amount at the time of application, if I am not sure, how much I need to balance transfer (I have not made any expense from my existing card)? Can I just apply for tentative balance transfer amount and once I my expenses limit (From existing card) reach to balance transfer amount, I simply call bank and ask them to transfer?
Hi Aj,
Thanks for your inquiry
You may check our page on how a balance transfer works.
The amount you may be able to transfer will depend on the bank. Some banks allow you to transfer 90% of your credit limit.
Please check out these balance transfer credit cards and get 0% interest for up to 24 months and save money with balance transfer credit cards.
Once you have chosen a particular card, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with your application or get in touch with their representatives for further assistance.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Hope this information helps
Cheers,
Arnold
Hi, I recently opened a Platinum dual credit card with NAB, and on the finder website, it said there is a 50,000 Qantas bonus points if you spend $2,500 within first 3 months. The bank doesn’t seem to know about this and I cannot now find this on the finder website. Can you please elaborate?
Thank you
Hi Ian,
Thanks for reaching out to us.
You might be referring to NAB Rewards Platinum Card where you can get 50,000 bonus points in the first 60 days when you meet the spend requirements. Plus earn at least 2 points per $1 spent in the first 6 months (capped at 10,000 per month). You can check our page about NAB Rewards Platinum credit card to learn more.
You may avail this by clicking the ‘Go to site’ from our finder page then it will direct you to NAB official site to submit an online application.
Cheers,
Rench
Do you guys do prepaid Visa cards?
Hi Kirsty,
Thanks for your inquiry.
If you are asking about NAB, you can check their NAB travel money.
Alternatively, you can also check other prepaid cards on our website. You should be able to find details on prepaid cards on that page and even a comparison table to check your options.
Before choosing a card, please read through their terms, conditions, and features.
Hope this information helped.
Cheers,
Rench
I filled out online application form for a nab credit card. After getting to the approved page except for info needed I lost everything off my phone so I’m not sure if the application went through or not
Hi Kristy,
Thanks for your question.
If there is no way for you to return to your ‘last session,’ I suggest that you directly contact NAB and enquire if your application went through.
Cheers,
Anndy
Hi I applied for a credit card and I haven’t heard anything back from the bank what should I do
Hi Nathan,
Thank you for your inquiry.
Generally, credit card companies process applications within 1-2 weeks. However, if you want to make a follow-up of your application, you can call the card issuer directly. You may like to read about our guide on checking credit card applications to get an idea of how to track the status of your application.
Cheers,
May
With nab credit cards, what is the best card to use with car rental for free rental car damage insurance? & extended warranty coverage for personal purchase!
Hello Robert
Thanks for your question.
With NAB Premium or NAB flybuys Rewards credit cards, there’s also cover for rental vehicle accidents and extended warranty. Please feel free to read more about NAB complimentary insurance.
I hope this helps.
Cheers!
Chester
I just applied for a credit card with 0% interest free for y months.
How does that work? The bank approved a limit for me of let’s say xxx of balance transfer
Is that limit of xxx balance transfer per month or what? Thanks
Hi Stephanie,
Thanks for your question.
You may refer to these pages for more information on how 0% balance transfer works and what does balance transfer limit means.
I hope these helps.
Cheers,
Debbie