NAB Credit Cards

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Compare credit cards with low rates, rewards and premium features to find out why NAB credit cards are popular with millions of Australians.

As one of Australia’s largest financial institutions, NAB offers credit cards to suit many types of cardholders. Whether you want a no-frills credit card that'll cost less to use or a premium card that offers everything from rewards to complimentary insurance, you should be able to find a card that suits your lifestyle and financial situation. Plus, NAB is the only bank in the Big Four that lets you earn flybuys rewards points on your 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.

NAB Premium Card

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 24th, 2017.

NAB flybuys Rewards Card

0% balance transfer offer has been updated to 4.99% p.a. for 6 months.

January 23rd, 2017

NAB Low Rate Platinum Card

Balance transfer period changed from 15 to 18 months, and is valid until 31 May 2017.

January 23rd, 2017

NAB Low Rate Credit Card

Balance transfer period changed from 15 to 18 months, and is valid until 31 May 2017.

January 23rd, 2017

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Premium Card
A low annual fee Platinum card with seven complimentary insurances.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
NAB Low Rate Credit Card
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Go to site More info
NAB Low Fee Card
A low annual fee card with 0% p.a. on balance transfers for 18 months.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
NAB Low Rate Platinum Card
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Go to site More info
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Point per $1 spent and receive complimentary purchase protection insurance.
19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
NAB Rewards Business Platinum Card
Earn 1 NAB Rewards Point per $1 spent and take advantage of 44 interest-free days.
18.50% p.a. $0 p.a. annual fee for the first year ($175 p.a. thereafter) More info
NAB Velocity Rewards Premium Card
Offers up to 1.5 Velocity points per $1 spent on eligible purchases, combined with complimentary insurance covers and concierge service.
19.99% p.a. 4.99% p.a. for 6 months $150 p.a. More info
NAB Qantas Rewards Premium Card
A dual card account that lets you enjoy platinum features and earn up to 1.5 Qantas Points per $1 spent on eligible purchase.
19.99% p.a. 4.99% p.a. for 6 months $250 p.a. More info
NAB Qantas Rewards Card
Receive a low introductory rate on balance transfers plus earn 1 Qantas Point per $1 spent on eligible purchases.
19.99% p.a. 4.99% p.a. for 6 months $95 p.a. More info
NAB Velocity Rewards Card
A low annual fee with a low interest rate for the first 6 months on balance transfers.
19.99% p.a. 4.99% p.a. for 6 months $95 p.a. More info
NAB flybuys Rewards Card
Take advantage of a low interest rate for 6 months on balance transfers and earn 1 flybuys point per $1 spent on everyday purchases.
19.99% p.a. 4.99% p.a. for 6 months $95 p.a. More info
NAB Qantas Business Signature Card
Earn 1 Qantas Point per $1.25 you spend and enjoy up to 44 interest-free days on purchases.
18.50% p.a. $295 p.a. More info
NAB Low Rate Business Card
Offers a low annual fee with a competitive interest rate on purchases and cash advances.
13.25% p.a. $60 p.a. More info
NAB Business Card
A charge card that gives you up to 35 days interest-free on business purchases.
15.50% p.a. $108 p.a. More info
NAB Purchasing and Corporate Card
Monitor your business-related expenses with a low interest rate on purchases and cash advances.
12.65% p.a. More info

Types of credit cards from NAB

There are a number of NAB credit cards to accommodate all 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. 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.

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 are a useful option for cardholders who are looking to cut down on standard card costs. These cards also come with competitive annual fees and up to 55 interest-free days on purchases. If you know you struggle to repay your balance in full each month, these low rate and low fee cards could.

  • 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 between 0.5 and 1.5 rewards points on every $1 spent on eligible purchases.

Some of the NAB rewards cards are dual Mastercard or Visa and American Express products, allowing you to earn more points wherever you can use your AMEX card. You can then use these points to redeem flight rewards with Qantas or Virgin, products from the frequent flyer eStores, shopping discounts with flybuys and more. These cards sometimes come with other travel-centric perks such as complimentary travel insurance, bonus points on signup and international security cover. While these cards can be a clever way to get extra value from your spending, make sure that the value of the rewards and perks outweigh the cost of the card, as they usually come with less competitive annual fees.

  • 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, higher credit limits and VIP Lost Card Cover protection. So if you regularly repay your balance in full and are looking for a way to get extra perks from your credit card, you can compare NAB premium products below.

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, 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. For more information about the travel insurance policy, please refer to our full guide on NAB's complimentary credit card travel insurance.

  • 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 has a higher earn rate and will help you earn rewards faster. So while you'll be able to use your card almost anywhere in Australia, you'll also have the opportunity to boost your balance with your AMEX card. Plus, it also means that you'll 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 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. Plus, 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.

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.
  • 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. NAB need to know your address, your contact information and you 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, your employer’s contact details and your account’s details if you’re self-employed, your expenses, like your weekly food expenses and liabilities, like child support.

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.

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. For further details, please see our guide on how to conduct a balance transfer with NAB.

Interest on your credit card items is calculated multiplying the daily percentage rate (the annual percentage rate that is applicable divided by 365) with your aggregate outstanding balance. The aggregate balance is the sum of all transactions like purchases or cash advances that you’ve made in the last statement period. It may also include special balances (e.g. any balance transfers) and will be indicated on your credit card statement.

Some of the NAB credit cards have up to 55 days interest-free on purchases. This means the maximum time you won’t be charged interest by the bank is up to 55 days. If you make multiple purchases within a statement period, this number is reduced until you pay back your balance in full. If you’re not eligible for interest-free days, interest starts accruing from the day of purchase. To take advantage of the number of interest-free days on purchases, you should always pay your credit card bills in full every time. Interest on cash advances are always charged from the day of transaction. Interest on special balances (like balance transfers) are charged according to the terms and conditions of that special promotion.

If you have only paid the minimum balance due and not the full balance in your last statement, for example, then your credit card balance starts accruing interest. Your next statement balance would include the previous unpaid balance and the interest amount. If you pay the minimum balance again, then interest is charged on your previous unpaid balance as well as your interest payment that was due. The latter is dubbed ‘interest on interest’, a.k.a. compound interest, and is the primary reason why credit card balances can grow so fast if left unpaid. You should always try to pay more than the minimum balance due each statement period, preferably the full amount.

  • Pick a credit card with interest-free days on purchases. Use the interest-free period feature of available on NAB credit cards.
  • Always repay the full amount due on your credit card bill. You must remember to pay off your full credit card statement bill each month. If you don’t you’ll be charged interest from the day you use NAB credit card to make a purchase. Paying your card in full also ensures you won’t pay interest on the interest from the previous statement period.
  • No cash advances. Cash advances and similar cash equivalent transactions always accrue interest from day one, and these transactions are charged at the highest rate of interest. Avoid cash advance transactions on your credit card (use a debit card instead for these transactions) and you’ll avoid exorbitant cash advance fees.

To set up internet banking, you will need two things on hand. One is your NAB identification number, found at 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.

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 you have lost your card or it is stolen, notify the bank immediately at this number: 1800 033 103. If you’re overseas call +61 3 8641 9083 instead.

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.

This is a hold on your banking account for a sum that you’ve used in a credit card transaction. Every time you buy something using your card the merchant records your credit card information for claiming later payment from NAB. Meanwhile NAB places a hold on your credit card account, so your available credit amount decreases. The purchase authorisation hold stays in place for 7 days. If the merchant hasn’t made their claim you won’t see the transaction show up in your internet banking system, but will see that your available credit is lower than what the displayed transactions would seem to indicate. After seven days the hold is released, but you should note that the merchant still has six months to make the payment claim. If the merchant does make the claim within that hold period you will see the transaction displayed in your account, which will be debited for the payment amount.

Increasing your credit limit on your NAB account can be done by requesting a credit limit increase, either online or over the telephone, and also the bank may send offers to increase your limit if you have agreed to receive these notifications. You need to demonstrate a good credit rating and you have to have the income to support the new credit limit. Before making a final decision to increase your credit limit. NAB would suggest that you not accept an increase credit limit if you believe that you may have problems paying the card’s balance. A customer who is granted an unwanted increased credit by NAB is free to decline the increase. See our guide on how to request a credit limit increase for more details.

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 card, right beside the signature field. You can find out how your CVV number works in this guide.

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American Express Velocity Platinum Card
American Express Velocity Platinum Card

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ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

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Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

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89 Responses to NAB Credit Cards

  1. Default Gravatar
    Kristy | November 17, 2016

    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

    • Staff
      Anndy | November 17, 2016

      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

  2. Default Gravatar
    Nathan | August 30, 2016

    Hi I applied for a credit card and I haven’t heard anything back from the bank what should I do

    • Staff
      May | August 30, 2016

      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

  3. Default Gravatar
    Robert | July 23, 2016

    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!

    • Staff
      Chester | August 2, 2016

      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

  4. Default Gravatar
    Stephanie | April 2, 2016

    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

  5. Default Gravatar
    Craig | September 9, 2015

    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

    • Staff
      Sally | September 10, 2015

      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

  6. Default Gravatar
    Daniela | August 16, 2015

    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?

    • Staff
      Sally | August 17, 2015

      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

  7. Default Gravatar
    Marian | June 4, 2015

    Which NAB credit card allows the option of using reward points to be redeemed on purchases or be redeemed as frequent flyer points?

    • Staff
      sally.mcmullen@hiveempire.com | June 5, 2015

      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

  8. Default Gravatar
    Anthony | April 28, 2015

    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

    • Staff
      Jonathan | April 29, 2015

      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

  9. Default Gravatar
    John | April 15, 2015

    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?

    • Staff
      Jonathan | April 16, 2015

      Hi John, thanks for your inquiry!

      Please refer to the contact details I have provided to your email for NAB.

      Cheers,

      Jonathan

  10. Default Gravatar
    michelle | April 13, 2015

    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?

    • Staff
      Jonathan | April 13, 2015

      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

    • Default Gravatar
      michelle | April 13, 2015

      hi again. If bills are paid by BPAY, are they still considered a cash advance, or is it an “everyday purchase” which earns points?

    • Staff
      Jonathan | April 14, 2015

      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

Credit Cards Comparison

Rates last updated May 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Take advantage of 0% p.a. for 18 months on balance transfers with a 1.5% BT fee. Plus, receive an exclusive $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au 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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