With low rates, rewards and premium options available, compare NAB credit cards to find one that fits your needs.
NAB offers a range of credit cards to suit different lifestyles, spending habits and budgets. Depending on the card you choose, you can save on your credit card costs, be rewarded for your spending, earn more frequent flyer points or enjoy complimentary extras such as travel insurance.
Use this guide to compare NAB credit cards and weigh up the costs, features and benefits. You can also click the "Go to Site" button next to any NAB card to begin your secure online application.
Comparison of NAB Credit Cards
Types of credit cards from NAB
NAB credit cards can suit many different needs, with low rate and low fee options, as well as reward and frequent flyer cards. There are also premium NAB card options within these categories.
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 balance transfers, competitive purchase rates, low annual fees and interest-free days on purchases.
Rewards and frequent flyer credit cards
NAB rewards credit cards give you the choice of earning points for your spending through the following programs: NAB Rewards, Qantas Frequent Flyer and Velocity Frequent Flyer. Some NAB reward cards also give you perks such as complimentary travel insurance and purchase insurance cover.
The benefits of banking with NAB
Some of the convenient features you can enjoy when you get a NAB credit card include:
NAB Internet and mobile banking
If you have a NAB card, you can access your account through NAB Internet and mobile banking. This means you can manage your account, make payments to other accounts in Australia and overseas, request a credit limit increase or apply for another NAB product from anywhere in the world and at any time.
NAB complimentary travel insurance
Some NAB rewards and premium credit cards come with complimentary travel insurance. Available to eligible cardholders and issued by QBE Insurance, this cover could include overseas medical, cancellation or holiday delay costs, emergency travel arrangements, accommodation expenses and missed connections. You must use your card to cover a minimum of $500 prepaid travel costs and meet the eligibility requirements to activate the cover. For details of the cover available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).
NAB reward credit cards — choose to earn NAB Rewards or frequent flyer rewards
NAB credit cards offer several different reward options. If you choose a card connected to the bank's own NAB Rewards program, you can look forward to redeeming your points for everything from gift cards and homewares to travel perks and frequent flyer points. NAB also offers frequent flyer credit cards that directly earn either Velocity Points or Qantas Points. With one of these cards, you can earn frequent flyer points on all eligible purchases to redeem for flight rewards with either Qantas or Virgin Australia and their partnered airlines. On 13 November 2017, NAB ended its partnership with flybuys and stopped offering the flybuys Reward card.
How to apply for a NAB credit card
If you've compared your options and decided you'd like to apply for a NAB credit card, you can begin your secure online application by clicking on the green "Go to Site" button. Before you do, make sure you've met the following eligibility requirements and have the necessary documents on hand:
- Age. You must be at least 18 years old.
- Residency status. You'll usually need to be an Australian citizen or 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.
Information you need for your application
If you meet the eligibility requirements, start collecting the following information to ensure your application goes smoothly:
- Personal information. You'll need to provide personal information such as your address and your contact information. You'll also need to verify your identity by providing an accepted form of identification, like your driver’s licence number.
- Financial information. You will also need to 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.
NAB offers credit cards with a range of competitive features that suit different spending habits and needs. As there are many other credit card products on the market, it's important to compare your options before applying.
Frequently asked questions
Want to know more about credit cards from NAB? 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, or if you want to leave us some feedback, get in touch with us using the form at the bottom of the page.