With low rates, rewards and premium options available, compare NAB credit cards to find one that suits your needs.
NAB Premium Card - Exclusive Offer
0% p.a. for 24 months on balance transfers
Exclusive to finder.com.au
Offer ends 31st August 2017
Eligibility criteria, terms and conditions, fees and charges apply
Exclusive to finder.com.au - NAB Credit Card Offer
The NAB Premium Card features a range of platinum benefits and a long-term balance transfer offer exclusive to finder.com.au
- 0% p.a. on balance transfers for 24 months on a new NAB Premium Card. BT reverts to cash advance rate (currently 21.74% p.a.)
- No balance transfer fee when BT requested upon application.
- Receive seven complimentary insurance covers including overseas travel insurance, plus, access to the 24/7 NAB Concierge Service.
- Request an additional cardholder at no extra cost.
- Must apply through finder.com.au to take advantage of this offer.
Comparison of NAB Credit Cards
Types of credit cards from NAB
NAB credit cards are designed to suit many different needs, with low rate and low fee options, as well as reward and frequent flyer cards.
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. You can compare some of these options below:
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, Velocity Frequent Flyer and Coles' flybuys. Some NAB rewards cards also come with both a Visa and an American Express card, allowing you to earn more points per $1 depending on which card you use. Many of these cards also come equipped with perks such as complimentary travel insurance and international security 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 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 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 and issued by QBE Insurance, this cover could include 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. For details of the cover available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).
Dual cards with Visa and American Express
Some NAB rewards cards are issued with a Visa and an American Express Card. While Visa is more widely accepted in Australia, spending with your American Express gives you the chance to earn more points per $1 to help maximise your rewards. Plus, you'll also benefit from both Visa and American Express privileges such as American Express Connect and Visa Entertainment deals.
NAB reward credit cards — choose to earn NAB Rewards, flybuys points or 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. 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. If you use a card connected to the NAB Rewards program, you can also look forward to redeeming your points for everything gift cards and homewares to travel perks and cashback.
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:
Eligibility requirements
- Age. You must be at least 18 years old.
- Residential 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.
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 want to repay an existing balance, you can take advantage of a 0% balance transfer offer with an NAB credit card. This allows you to consolidate your debt and pay it down without the burden of interest for a promotional interest.
To get a promotional balance transfer interest rate, you must request the balance transfer at the time of your application. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.
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 on 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 your card has been lost, stolen or damaged, you can call the 24/7 NAB customer service team on 1800 033 103. If you’re overseas, you can call +61 3 8641 9121 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.
How do I increase or decrease the credit limit on my NAB credit card?
If you want to increase or decrease your credit card limit, you can call NAB on 13 22 65 from 8am to 7pm Monday-Friday or 9am to 6pm on weekends. You can call during these hours on +61 3 8641 9083 if you're overseas. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information and it might take a few days for NAB to verify the information and assess your request.
If you're asking for a credit decrease, NAB should be able to process your request as soon as possible.
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.
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
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?
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
hi again. If bills are paid by BPAY, are they still considered a cash advance, or is it an “everyday purchase” which earns points?
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
does my nab credit card offer car rental insurance for a rental in St.Thomas US Virgin Islands
Hi Annabel, thanks for your inquiry!
To allow me to assist you further could you please clarify which NAB credit card you are using?
Cheers,
Jonathan
Platinum NAB Visa
Hi Annabel, thanks for your inquiry!
Did you have any specific questions about the NAB Platinum Visa?
Cheers,
Jonathan