Compare credit cards with low rates, rewards and premium features to find out why NAB credit cards are a popular option.
NAB Credit Card Offer
Apply for the NAB Premium Card and receive a long-term, 0% p.a. offer on balance transfers, a competitive standard purchase rate and up to 44 interest-free days.
- $90 p.a. annual fee
- 19.74% p.a. on purchases
- 0% p.a. for 24 months with 3% balance transfer fee on balance transfers
- Cash Advance Rate of 21.74% p.a.
- Up to 44 days interest free
Comparison of NAB Credit Cards
Rates last updated May 26th, 2017.
Jonathan
Types of credit cards from NAB
There are a number of NAB credit cards to accommodate many types of budgets and financial needs. The low rate and low fee credit cards provide just what their name implies: a cheaper way to make purchases and a low-cost credit card to own. Meanwhile, NAB rewards credit cards are linked to Qantas, Velocity and flybuys — they’re only one of two card issuers that let you earn flybuys points when you spend.
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 0% on balances, competitive purchase rates, low annual fees and interest-free days on purchases. You can compare some of these options below:
Rewards credit cards
Depending on the card, NAB rewards credit cards allow you to earn rewards points with Qantas Frequent Flyer, Virgin Australia's Velocity program and Coles' flybuys loyalty scheme. These cards let you earn points for every $1 you spend on eligible purchases and some also come with bonus points offers, allowing you to give your points balance a boost. Some NAB rewards cards are dual Mastercard or Visa and American Express products, allowing you to earn higher earn rates depending on the card you're using. Many of these cards also come equipped with travel-centric perks such as complimentary travel insurance and international security cover.
Premium credit cards
If you're a regular credit card spender who is looking for a card that'll offer more value for your money, you might want to compare NAB premium credit cards. Though these cards come with a higher annual fee, they also offer higher rewards earn rates and bonus points, complimentary travel insurance and larger credit limits.
The benefits of banking with NAB
Each NAB credit card offers different feature and benefits, but some of the perks you can expect from banking with NAB include:
NAB internet 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 on-the-go 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 through QBE Insurance, the cover includes 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, though.
Dual cards with Visa or Mastercard and American Express
NAB’s rewards cards are issued with a Visa or Mastercard and American Express Cards. While Mastercard and Visa are more widely accepted in Australia, spending with your American Express sometimes offers a higher earn rate and will help you earn rewards faster. Plus, you'll also benefit from both Visa or Mastercard and American Express privileges such as American Express invites exclusive offers, Visa Entertainment deals and Mastercard Priceless Cities.
NAB rewards credit cards — earn NAB Rewards, flybuys points and 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, though, make sure you've met the following eligibility requirements and have the necessary documents on hand:
Eligibility requirements
- Age. Applicants must be at least 18 years old.
- Residential status. You'll usually need to be a 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.
Necessary information
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're struggling to repay an existing balance, you can take advantage of a 0% balance transfer offer with NAB to consolidate your debt and pay it down without the burden of interest for a promotional interest. You can transfer balances from as little as $200 up until 90% of your approved credit limit from non-NAB bank accounts. Please note that a 3% balance transfer fee applies and the 0% interest rate will revert to the standard cash advance rate once the promotional offer ends.
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.
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 get an idea on how to track the status of your application on this page.
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 cards, you’ll be able to receive the complimentary travel insurance. There’s also cover for rental vehicle accidents and extended warranty. You can find more details about NAB complimentary insurance here.
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
Hello,
I will be travelling to the U.S next month and have a Cash Passport card, but would also like to use my NAB Mastercard (low fee card) overseas. If I put my NAB Mastercard in “cash positive” credit so i’m using my own money like a debit card, will that be better than putting all my money on the Cash Passport card which doesn’t seem to offer a very good daily exchange rate?
Thanks for any advice you can offer
Hi Craig,
Thank you for your question.
As a comparative service, we can’t actually recommend any one specific product, service or strategy to our users as the best option will always depend on your individual financial situation and needs.
You may like to consider and compare the currency conversion fees, overseas ATM withdrawal fees and other foreign transaction fees that come with using both cards to decide which one compliments your holiday spending habits better. When using the Cash Passport, your funds will remain locked into the exchange rate that was in place at the time of loading.
I hope this has helped answer your question.
Thanks,
Sally
Can you apply for 2 cards from Nab that is on offer. One being the Purchase card for 0.00% for 12 months and the other balance transfer for 15 months.? Is there a restriction?
Hi Daniela,
Thanks for your inquiry.
Please note that you have come through to finder.com.au, not NAB.
However, we can confirm that you can apply and be eligible for one card offer as long as you are not an existing banking customer and have not previously held any other card product offered by NAB.
Therefore, applying for two cards will make you ineligible for the card offer.
You may also want to check the eligibility criteria and required documents before making an application to your chosen credit card.
I hope this has helped.
Cheers,
Sally
Which NAB credit card allows the option of using reward points to be redeemed on purchases or be redeemed as frequent flyer points?
Hi Marian,
Thank you for your question.
You can view a list of the NAB Rewards Credit Cards under the’Rewards credit cards’ heading on our NAB Credit Cards page.
Using the table, you can compare the NAB Rewards Credit Cards against each other and against other rewards credit cards in the market. If one seems of interest, you can then click the ‘go to site’ button for further information.
I hope this has answered your question.
Thanks,
Sally
I would like to obtain a cc from the NAB and pay out existing cc with 3x other providers.
Is it correct that the NAB considers the closure of the other c/cards in the application process as others simply add the existing and new cc application… eg if I paid out say $17,500 then I would only have $17,500 in debt whereas others add both the new and old together as if I have a total of $35K in cc.
Please confirm my understanding with the NAB
Hi Anthony, thank you for your inquiry!
The amount being balance transferred depends on how many card balances/debt you are choosing to bring over and the approved credit limit on the new NAB credit card. NAB allows a maximum balance transfer of 70% of the approved credit limit. So if you had a $1,000 credit limit on the new NAB credit card, you’d be able to transfer a maximum of $700 from another credit card.
Cheers,
Jonathan
NAB switched my Visa account to a Platinum car without my permission. I now pay higher annual fee and new merchant charges i did not have before. How do I get them to reverse this unapproved change?
Hi John, thanks for your inquiry!
Please refer to the contact details I have provided to your email for NAB.
Cheers,
Jonathan
Hi. I have the NAB Qantas Plus credit card. Comes with both AMEX and Visa, with an annual card fee of $145.50. (I’ve had it for a while so this product may not be on offer any more.) Do I earn rewards points when paying bills? Does it matter how bills are paid, ie. via Bpay or over phone, etc?
Hi Michelle, thanks for your inquiry!
Generally unless your bills can be paid via BPAY they count as cash advances and not purchases.
Cheers,
Jonathan
hi again. If bills are paid by BPAY, are they still considered a cash advance, or is it an “everyday purchase” which earns points?
Hi Michelle, thanks for your inquiry!
The type of payment which the BPAY transaction will vary depending on how the biller is set up with the BPAY billing service. The biller has the option of accepting a credit card of payment. If credit card payments are accepted then the bill payment will be processed as a purchase.
Cheers,
Jonathan