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NAB is one of Australia's four biggest banks and offers a range of credit cards to suit different goals. This includes cards with balance transfer offers, reward or frequent flyer points, low rates, low fees and business credit cards. NAB was also the first Australian bank to issue a no interest credit card that charges a monthly fee instead – the NAB StraightUp.
Comparison of NAB Credit Cards
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Types of credit cards from NAB
NAB balance transfer credit card offers
NAB balance transfer credit card offers give you an introductory low or 0% interest rate when you move debt (or debts) from up to 5 Australian credit cards or store cards that are not issued by NAB.
At the end of the introductory period, any unpaid balance transfer amount will be charged interest at the card's cash advance interest rate. As this is typically high, you'll get the most value from the balance transfer offer when you focus on paying off the balance before you use the card for anything else.
You can request a balance transfer when you apply for a new NAB credit card or at any time on an existing credit card. Just be aware the balance transfer details may be different depending on when you apply. Also take note of any one-time balance transfer fees, along with the other features of the card.
NAB no interest credit card
The NAB Straight Up Card has no interest rate – instead, it charges a flat monthly fee when you use it or carry a balance. The fee is based on your credit limit, with a cost of $10, $15 or $20 that can make it easier to keep track of account costs compared to interest (which can vary in costs). The monthly fee is also waived if you don't have a balance and don't use the card for a statement period.
The NAB StraightUp was the first no interest, flat fee card to be launched in Australia (in September 2020). Since then, 2 other Big Banks have also introduced no interest cards: CommBank and Westpac.
NAB low rate credit cards
The NAB Low Rate Card offers a 12.99% p.a. interest rate for purchases, which is much lower than the average standard credit card interest rate in Australia of 19.94%. So this low rate can help keep your interest charges down, although it's still worth looking at the other features and comparing it to other cards.
NAB low fee credit cards
NAB low fee credit cards can help you save on account costs by offering competitive annual fees. The NAB Low Fee Card has all the essential credit card features and the NAB Low Fee Platinum Card comes with complimentary insurance options, as well as a concierge service.
NAB Rewards credit cards
NAB Rewards credit cards offer you points per $1 on all your eligible spending – including groceries, petrol, dining and travel bookings. You can redeem your points for rewards including travel, frequent flyer point transfers, gift cards and retail items. Finder's guide to the NAB Rewards program gives you all the details.
NAB frequent flyer credit cards
NAB Qantas Rewards cards give you a way to earn Qantas Points on your everyday credit card spending, with 1 additional point per $1 on selected spending with Qantas. These cards also offer complimentary Qantas Frequent Flyer membership, which could save you $99.50 on the usual joining fee.
NAB business credit cards
NAB offers a wide range of business credit cards with features including rewards and frequent flyer points, low rates and additional cards for employees. NAB business credit cards also help you keep personal and business expenses separate if you're a business owner (including sole traders), with detailed statements and option of setting individual limits for additional cards linked to the account. NAB also offers cards for larger corporate accounts.
Benefits of getting a NAB credit card
Each NAB credit card has different features, but here are some of the key benefits you can get:
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).
Internet and mobile banking
NAB Internet banking and the mobile app both give you ways to 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. You can also temporarily block your NAB credit card.
If you're using the NAB app on a compatible Android phone, you can also set up NAB Pay and make payments straight from your phone – including when you're waiting for a new physical credit card to arrive in the mail.
NAB Defence is a service that helps keep your account safe by detecting suspicious activity. You also get protection with a zero liability policy for fraudulent transactions, which means you'll be refunded if your card is ever used for fraud.
Annual fee waiver – NAB home loan package
If you get a NAB Choice Package home loan, you can get the annual fee waived on a credit card of your choosing. As there are other fees and costs to getting a mortgage, you should learn more about NAB home loans and packages to decide if this will work for you.
When you want to apply for a NAB credit card, there are a few eligibility boxes you'll need to tick first.
Each NAB card has slightly different details, but include the following:
- Age. You must be at least 18 years old to apply for a NAB credit card.
- Australian residency status. You can apply for a NAB credit card if you're an Australian or New Zealand citizen, permanent resident of Australia or hold an acceptable temporary residency visa. Note that the following Australian temporary visas are not acceptable: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.
How long does it take to apply?
It takes around 15 minutes to apply for a NAB credit card online and you'll get an initial response within 60 seconds of submitting your completed application form. NAB will then be in touch with further details and next steps.
Information and documents you need to apply
NAB credit card applications are made up of a mix of general details and information about your financial situation. This includes:
- Personal information. Your full name, date of birth, contact details, address and details about your current living situation. If you're a new NAB customer, you need to provide one of the following forms of identification: Australian driver's licence, Medicare card, Australian passport or international passport.
- Financial information. Your income and assets, such as savings, shares or property. You also need to include details of existing cards, loans or other liabilities, plus your share of regular household expenses such as groceries, petrol, rent or mortgage repayments.
- Employment details. Your last 3 years of employment history. You may also be asked to provide supporting documents such as your most recent payslips, bank statements or Australian Taxation Office tax assessment notice.
Have a question about NAB credit card applications? Call NAB on 13 22 65 to talk about your situation.
Depending on which NAB card you're applying for, you could be asked about the following details as part of the application:
- Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that NAB will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
- Balance transfer information. If you want to transfer a balance to a NAB credit card, you'll need to provide details of the debt that you want to transfer, including the account name, number and financial institution's BSB.
What happens after you apply?
NAB will give you an application reference number. You'll also get details about providing more supporting documentation (if that's needed), or next steps.
Frequently asked questions about NAB credit cards
Important links and details
Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.
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NAB StraightUp card
Unlike other credit cards, the NAB StraightUp doesn’t charge any interest but has a monthly fee instead. Find out more here.
Here's how to get the best value from your NAB Rewards points.
NAB Rewards Business Signature
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.
NAB Qantas Rewards Signature Card
A premium frequent flyer credit card offering up to 120,000 bonus Qantas Points, a reduced first-year annual fee and complimentary insurance covers.
NAB Rewards Signature
Offers up to 140,000 bonus points when you meet the spend criteria and complimentary insurance covers, with a $295 annual fee.
NAB Rewards Platinum Card
With up to 80,000 bonus NAB Rewards Points, a reduced first-year annual fee and complimentary insurance, is this NAB card right for you?
NAB Business Card
The NAB Business Card offers additional cardholders with individual credit limits, up to 35 interest-free days on business purchases and liability insurance.
NAB credit card complimentary travel insurance explained
Find out when you’ll get complimentary international travel insurance, cover for trips in Australia, plus insurance for your shopping with a NAB credit card.
NAB Purchasing and Corporate Cards
Get a card facility you can tailor to your company’s needs, with multiple cards, expense tracking tools and the option of a custom design.
NAB Low Rate Business Card
The NAB Low Rate Business credit card offers cards for employees and low-cost features, including 0% p.a. on purchases for the first 12 months.
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