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 spending habits and goals. Depending on the card you choose, you can save on credit card costs, be rewarded for your spending, earn more frequent flyer points or enjoy complimentary extras such as travel insurance. If you're a business owner, you could also manage your finances and keep track of employee spending with a NAB business credit card account.
Use this guide to compare NAB credit cards and weigh up the costs, features and benefits. You can also apply for a NAB credit card by clicking the "Go to site" button, or hit "More info" to read a detailed review of any NAB card you want to know more about.
Exclusive to finder.com.au - NAB Credit Card Offer
NAB Low Fee Platinum Card - Exclusive Amazon Offer
10% cashback with amazon.com.au
0% p.a. on balance transfers for 24 months
Exclusive to finder.com.au
Offer ends 31 August 2018
Eligibility criteria, terms and conditions, fees and charges apply
Exclusive to finder.com.au - NAB Credit Card Offer
Exclusive to finder, receive 10% cashback with amazon.com.au for 12 months (up to $25 per month) and a long-term balance transfer offer.
- $90 p.a. annual fee.
- 19.74% p.a. on purchases
- 0% p.a. for 24 months with 2% BT fee on balance transfers
- Cash advance rate of 21.74% p.a.
- Up to 44 days interest free
Comparison of NAB Credit Cards
Types of NAB credit cards
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 platinum and premium credit cards that offer more benefits, such as complimentary insurance. Here's a summary of each of the main types of NAB credit cards you can choose from:
Low rate and low fee credit cards
Low rate and low fee credit cards can help you avoid the high account costs that come with some other credit cards. NAB offers a range of credit cards with competitive purchase rates, low annual fees and interest-free days on purchases, as well as introductory balance transfer offers.
Rewards and frequent flyer credit cards
NAB rewards credit cards offer you points for your spending, with a choice of either NAB Rewards or Qantas Frequent Flyer rewards. 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 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 at any time.
NAB credit card complimentary travel insurance
Some NAB rewards and premium credit cards come with complimentary travel insurance. Available to eligible cardholders and issued by QBE Insurance, the types of cover you can get include overseas medical, cancellation or holiday delay costs, emergency travel arrangements, accommodation expenses and missed connections. You must use your eligible NAB card for a minimum of $500 prepaid travel costs and meet the eligibility requirements to activate the cover. For details of the insurance 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 that earns points through the NAB Rewards program, you'll be able to use your points for a range of rewards including frequent flyer points, travel, merchandise and gift cards. NAB also offers Qantas frequent flyer credit cards that earn Qantas Points per $1 spent on eligible purchases. 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. This will take you to a secure NAB credit card application page, which should take about 15 minutes to complete if you have all the necessary documents and details ready.
Before you get started, make sure you meet the eligibility requirements and have the necessary documents on hand. These requirements can vary between cards but generally include the following details:
Eligibility requirements
- How old are you? You must be at least 18 years old to apply for a NAB credit card.
- What is your Australian residency status? You usually need to be an Australian citizen or permanent resident of Australia to apply. If you're not a permanent Australian resident or citizen, NAB may require details of your last overseas address. As card requirements vary, make sure you check the residency status requirements before you apply for any NAB credit card.
- What is your credit history like? Ideally, you should 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 about NAB credit cards
Want to know more about credit cards from NAB? Here, you'll find answers to 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 using the form at the bottom of the page.
How does balance transfer cards work? One has to apply for balance transfer amount at the time of application, if I am not sure, how much I need to balance transfer (I have not made any expense from my existing card)? Can I just apply for tentative balance transfer amount and once I my expenses limit (From existing card) reach to balance transfer amount, I simply call bank and ask them to transfer?
Hi Aj,
Thanks for your inquiry
You may check this page to know how a balance transfer works.
The amount you may be able to transfer will depend on the bank. Some banks allow you to transfer 90% of your credit limit.
Please check out these balance transfer credit cards and Get 0% interest for up to 24 months and save money with balance transfer credit cards.
Hope this information helps
Cheers,
Arnold
Hi, I recently opened a Platinum dual credit card with NAB, and on the finder website, it said there is a 50,000 Qantas bonus points if you spend $2,500 within first 3 months. The bank doesn’t seem to know about this and I cannot now find this on the finder website. Can you please elaborate?
Thank you
Hi Ian,
Thanks for reaching out to us.
You might be referring to NAB Rewards Platinum Card where you can get 50,000 bonus points in the first 60 days when you meet the spend requirements. Plus earn at least 2 points per $1 spent in the first 6 months (capped at 10,000 per month). You can check this by going to this page.
You may avail this by clicking the ‘Go to site’ from our finder page then it will direct you to NAB official site to submit an online application.
Cheers,
Rench
Do you guys do prepaid Visa cards?
Hi Kirsty,
Thanks for your inquiry.
NAB actually has a prepaid card, but only a Mastercard. You can find the review for their NAB Traveller Card here.
Some other prepaid cards with Visa logo are listed on this page. If you also want to know more how Visa card works in Australia, you can check it here.
Hope this information helped.
Cheers,
Rench
I filled out online application form for a nab credit card. After getting to the approved page except for info needed I lost everything off my phone so I’m not sure if the application went through or not
Hi Kristy,
Thanks for your question.
If there is no way for you to return to your ‘last session,’ I suggest that you directly contact NAB and enquire if your application went through.
Cheers,
Anndy
Hi I applied for a credit card and I haven’t heard anything back from the bank what should I do
Hi Nathan,
Thank you for your inquiry.
Generally, credit card companies process applications within 1-2 weeks. However, if you want to make a follow-up of your application, you can call the card issuer directly. You may like to get an idea on how to track the status of your application on this page.
Cheers,
May
With nab credit cards, what is the best card to use with car rental for free rental car damage insurance? & extended warranty coverage for personal purchase!
Hello Robert
Thanks for your question.
With NAB Premium or NAB flybuys Rewards cards, you’ll be able to receive the complimentary travel insurance. There’s also cover for rental vehicle accidents and extended warranty. You can find more details about NAB complimentary insurance here.
I hope this helps.
Cheers!
Chester
I just applied for a credit card with 0% interest free for y months.
How does that work? The bank approved a limit for me of let’s say xxx of balance transfer
Is that limit of xxx balance transfer per month or what? Thanks
Hi Stephanie,
Thanks for your question.
You may refer to these pages for more information on how 0% balance transfer works and what does balance transfer limit means.
I hope these helps.
Cheers,
Debbie
Hello,
I will be travelling to the U.S next month and have a Cash Passport card, but would also like to use my NAB Mastercard (low fee card) overseas. If I put my NAB Mastercard in “cash positive” credit so i’m using my own money like a debit card, will that be better than putting all my money on the Cash Passport card which doesn’t seem to offer a very good daily exchange rate?
Thanks for any advice you can offer
Hi Craig,
Thank you for your question.
As a comparative service, we can’t actually recommend any one specific product, service or strategy to our users as the best option will always depend on your individual financial situation and needs.
You may like to consider and compare the currency conversion fees, overseas ATM withdrawal fees and other foreign transaction fees that come with using both cards to decide which one compliments your holiday spending habits better. When using the Cash Passport, your funds will remain locked into the exchange rate that was in place at the time of loading.
I hope this has helped answer your question.
Thanks,
Sally
Which NAB credit card allows the option of using reward points to be redeemed on purchases or be redeemed as frequent flyer points?
Hi Marian,
Thank you for your question.
You can view a list of the NAB Rewards Credit Cards under the’Rewards credit cards’ heading on our NAB Credit Cards page.
Using the table, you can compare the NAB Rewards Credit Cards against each other and against other rewards credit cards in the market. If one seems of interest, you can then click the ‘go to site’ button for further information.
I hope this has answered your question.
Thanks,
Sally
NAB switched my Visa account to a Platinum car without my permission. I now pay higher annual fee and new merchant charges i did not have before. How do I get them to reverse this unapproved change?
Hi John, thanks for your inquiry!
Please refer to the contact details I have provided to your email for NAB.
Cheers,
Jonathan