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 enjoy a long-term introductory offer on balance transfers and premium credit card advantages.

  • $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 1st, 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

NAB Low Fee 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
Benefit from platinum credit card advantages and 0% p.a. for 24 months on balances transfers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
NAB Low Rate Credit Card
This card comes with 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
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 which offers a promotional balance transfer rate and complimentary purchase protection insurance.
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
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
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
Receive 40,000 bonus points when you spend $1,500 on everyday purchases within 90 days from card approval, earn rewards points per $1 spent, and enjoy a $0 annual fee for the first year.
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 Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
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 Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
18.50% p.a. $0 p.a. annual fee for the first year ($175 p.a. thereafter) Go to site 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
Enjoy uncapped rewards points earning through the Qantas Frequent Flyer program.
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. 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.

Rates last updated May 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Up to 55 days on purchases Go to site More info
NAB Premium Card
Benefit from premium credit card advantages including travel insurance, Platinum Concierge Service plus 0% p.a. for 24 months on balance transfers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Up to 44 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low annual fee card with a low introductory rate of 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. Up to 44 days on purchases Go to site More info
Rates last updated May 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Up to 55 days on purchases Go to site More info
Bendigo Bank Basic Black Credit Card
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
12.24% p.a. $45 p.a. Up to 44 days on purchases Go to site More info
Westpac Low Rate Card - Online Only Balance Transfer Offer
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
13.49% p.a. 0% p.a. for 24 months with 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Virgin Money Low Rate Credit Card
Enjoy a low ongoing purchase rate with an introductory rate on balance transfers and a competitive annual fee.
11.99% p.a. 0% p.a. for 12 months $99 p.a. Up to 44 days on purchases Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
12.74% p.a. 3% p.a. for 36 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 12 months and 0% p.a. for 6 months on purchases combined with complimentary insurance covers.
0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
 
Rates last updated May 1st, 2017
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
Citi Simplicity Card
Pay no annual fee ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
$0 p.a. 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
Coles No Annual Fee MasterCard
Pay no annual fee for the life of the card and enjoy up to 62 interest-free days on purchases.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
Coles Platinum No Annual Fee MasterCard
Enjoy platinum benefits and no annual fee for the life of the card, plus earn 1 flybuys point for every $2 spent.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months 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. annual fee for the first year ($87 p.a. thereafter) 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months Go to site More info
Qantas American Express Discovery Card
Take advantage of no annual fee for the life of the card plus earn 1 Qantas Frequent Flyer point per $1 spent.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
$149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
$0 p.a. annual fee for the first year ($195 p.a. thereafter) 19.99% p.a. 4.99% p.a. for 6 months Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
$0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you apply online and meet the minimum spend requirement, plus earn up to 2 points for every $1 you spend, together with a $0 annual fee.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
$0 p.a. annual fee for the first year ($195 p.a. thereafter) 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ANZ Rewards Platinum
Receive $250 Westfield Gift Card when you spend $2,500 within 60 days from card approval, earn up to 1.5 points per $1 spent on eligible purchases, plus enjoy a $0 annual fee for the first year.
$0 p.a. annual fee for the first year ($95 p.a. thereafter) 18.79% p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017. Also, enjoy a long-term balance transfer offer and an annual fee waiver for the first year.
$0 p.a. annual fee for the first year ($49 p.a. thereafter) 19.99% p.a. 0% p.a. for 14 months Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 0.750 Qantas Points for spending.
$0 p.a. annual fee for the first year ($295 p.a. thereafter) 19.99% p.a. Go to site More info
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
$0 p.a. annual fee for the first year ($175 p.a. thereafter) 18.50% p.a. Go to site More info
  • 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.

Rates last updated May 1st, 2017
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
0.5 1.5 $150 p.a. More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
0.5 1.5 $250 p.a. More info
NAB Qantas Rewards Card
NAB Qantas Rewards Card
0.5 1 $95 p.a. More info
NAB Velocity Rewards Card
NAB Velocity Rewards Card
0.5 1 $95 p.a. More info
NAB flybuys Rewards Card
NAB flybuys Rewards Card
1 0 $95 p.a. More info
Rates last updated May 1st, 2017
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
American Express Explorer Credit Card
American Express Explorer Credit Card
100,000 bonus points 2 $395 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 1 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
NAB Rewards Platinum Card
NAB Rewards Platinum Card
80,000 bonus points 1 $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card
75,000 bonus points 1.5 $450 p.a. Go to site More info
Qantas American Express Premium Card
Qantas American Express Premium Card
60,000 bonus points 1.25 $249 p.a. Go to site More info
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.75 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 $349 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Essential®  Credit Card
American Express Essential® Credit Card
1 $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 $129 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
5,000 bonus points 0 1 $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 1 $0 p.a. Go to site More info
ANZ Rewards Travel Adventures card
ANZ Rewards Travel Adventures card
1.5 $225 p.a. Go to site More info
Learn more about Business Credit Cards
  • 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.

Rates last updated May 1st, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Premium Card
Benefit from premium credit card advantages including travel insurance, Platinum Concierge Service plus 0% p.a. for 24 months on balance transfers.
VISA/MC: 0 AMEX: 0 Yes 19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site 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.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. More info
NAB Velocity Rewards Premium Card
A premium credit card which offers up to 1.5 Velocity points per $1 spent on purchases, combined with complimentary insurance covers and concierge service.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $150 p.a. More info
Rates last updated May 1st, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy an introductory interest rate on balance transfers with a discounted annual fee of $199 in the first year.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
VISA/MC: 0.66 AMEX: 0 No 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
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Receive 50,000 bonus Velocity Points when you apply online, are approved and meet the minimum spend required, plus take advantage of the 0% p.a. for 12 months balance transfer offer. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 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.
VISA/MC: 0 AMEX: 0 Yes 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
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free offer on purchases and balance transfers. Earn Velocity Points on everyday spend.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Qantas American Express Premium Card
Earn 60,000 bonus Qantas Points when you apply as a new card member and meet the minimum spend requirement. Plus enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1.25 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per $1 spent. Gain access to travel insurance, $300 Platinum travel credit every year and access to 1,000 VIP airport lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Receive 50,000 bonus Qantas Points when you spend $2,500 on eligible purchases for the first three months from card approval. Plus, enjoy a waived annual fee for the first year.
0.75 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
Yes 11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive up to 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Take advantage of accelerated points earning and great Platinum features with ANZ Rewards Platinum, receive $250 Westfield Gift Card when you spend $2,500 within 60 days of card approval, plus enjoy a waived annual fee for the first year.
1.5 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Citi Clear Platinum
A low rate platinum credit card which offers Visa Concierge service and extended warranty insurance.
VISA/MC: 0 AMEX: 0 No 14.99% p.a. $99 p.a. Go to site More info
Qantas American Express Ultimate Card
Enjoy 75,000 bonus Qantas Points when you meet the spend criteria plus 75 Bonus Status Credits when you book and fly back with Qantas. Earn up to 2.5 Qantas Points per $1 spent on eligible purchases.
1.5 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
ANZ Rewards Black Credit Card
Receive a $250 Westfield Gift Card when you spend $2,500 in the first 60 days from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Citi Rewards Signature Credit Card
Receive 75,000 bonus points and access to a range of complimentary insurances.
VISA/MC: 1.5 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Emirates Citi World Mastercard
Receive up to 50,000 bonus points and enjoy a reduced annual fee for the first year.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
Learn more about Premium Credit Cards

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.

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 70% 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.

How is interest calculated on my NAB credit card?

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.

When is interest charged on my NAB credit card?

NAB credit cards have up to 44 days interest-free on purchases. This means the maximum time you won’t be charged interest by the bank is up to 44 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.

What is interest on interest?

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.

What are some of the ways I can reduce interest charges on my NAB credit card?

  • 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.

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 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.

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 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.

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.

What is a purchase authorisation?

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.

How do I increase my credit limit on my NAB credit card?

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.

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.

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Read more on this topic

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

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

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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 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first 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
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 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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