Get the Finder app 🥳

Track your credit score


NAB Credit Cards

With low rates, rewards and premium options available, compare NAB credit cards to find one that fits your needs.


Fact checked

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.

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.

NAB Credit Card Offer

NAB Qantas Rewards Signature Card

Receive up to 130,000 bonus points
75 bonus Status Credits

Offer ends 30 November 2020

Eligibility criteria, terms and conditions, fees and charges apply

NAB Credit Card Offer

Earn up to 130,000 bonus Qantas Points, take advantage of complimentary overseas travel insurance and a 24/7 concierge service.

  • 75 bonus Status Credits & 100,000 bonus Qantas Points (spend $3,000 within the first 60 days) and 30,000 after 12 months
  • First year annual fee of $295 ($395 p.a. thereafter)
  • 19.99% p.a. purchase interest rate | 21.74% p.a. cash advance rate
  • Minimum credit limit of $15,000
Go to Site

Comparison of NAB Credit Cards

Data indicated here is updated regularly
% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
NAB Qantas Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
NAB Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
12.99% p.a.
Get a 0% p.a. interest rate for 20 months on balance transfers, Visa Offers + Perks and a competitive $59 ongoing annual fee.
NAB StraightUp Card
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
NAB Qantas Business Signature Card
18.5% p.a.
Receive 100,000 bonus Qantas Points and earn points on everyday business purchases. Also get up to 44 days interest-free. ABN required.
NAB Rewards Business Signature Card
18.5% p.a.
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening. ABN required.
NAB Low Rate Business Card
0% for 12 months, reverts to 13.25% p.a.
$0 annual fee for the first year ($60 p.a. thereafter)
ABN w/ $75,000 p.a. revenue. 0% p.a. interest for 12 months on purchases and receive complimentary unauthorised transaction insurance.
NAB Low Fee Platinum Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
Offers 7 complimentary insurance covers and 0% p.a. for 6 months on balance transfers for a $90 p.a. annual fee.
NAB Low Fee Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
Receive complimentary purchase protection insurance and 0% p.a. for 6 months on balance transfers.
NAB Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
Earn up to 120,000 bonus NAB Rewards Points when you meet the spend criteria. Plus, a points booster and uncapped rewards earning potential.
NAB Rewards Platinum Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
Collect 60,000 bonus points when you spend $1,000 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
NAB Qantas Rewards Premium Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
Offers 30,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.

Compare up to 4 providers

Types of NAB credit cards

NAB credit cards can suit many different needs, with low rate and low fee options, as well as rewards 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 fee and low rate 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

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:

  • Mobile payment and banking options

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. This also means you get to enjoy the convenience of making contactless payments using your compatible device as NAB credit cards are eligible for Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay.

  • 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 Allianz, 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 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 25 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 provide a detailed 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.

Read more on this topic

  • 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.

  • NAB Low Fee Platinum Card – Exclusive Offer

    This exclusive offer gives you a long-term 0% balance transfer offer, no balance transfer fee and seven complimentary insurance covers.

  • 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 card offering up to 130,000 bonus Qantas Points, 75 bonus Status Credits, a reduced first-year annual fee and complimentary insurances.

  • NAB Rewards Signature

    Enjoy up to 120,000 bonus points when you meet the spend criteria and complimentary insurance covers with the NAB Rewards Signature.

  • NAB Rewards guide

    Discover how you can earn points to reward your spending with the NAB Rewards program.

  • NAB Rewards Platinum Card

    Take advantage of 60,000 bonus points and earn points as you spend with the NAB Rewards Platinum Card.

  • NAB Rewards Classic Card

    The NAB Rewards Classic credit card gives you a way to earn points for your everyday spending – with an introductory 30,000 bonus points offer.

  • NAB Low Rate Platinum Card

    The NAB Low Rate Platinum Card offers a low introductory rate on purchases and balance transfers, plus premium perks like international travel insurance and a concierge service.

  • 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.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

95 Responses

  1. Default Gravatar
    LaurelleAugust 30, 2019

    I am looking for a NAB pre paid everyday mastercard/
    Can’t find on your website

    • Default Gravatar
      NikkiAugust 31, 2019

      Hi Laurelle,

      Thanks for your message. Upon checking our pages, I am unable to find a NAB Prepaid Everyday Mastercard. If you are still looking for an everyday transaction account from NAB, you can check this page. The Classic account comes with a NAB issued Visa debit card. This card can be used to make purchases at locations where debit cards and Visa credit cards are accepted forms of payment. Otherwise, here is a page showing a list of other everyday transaction accounts.

      As a friendly reminder, review the eligibility criteria, fees, interest rates, and terms & conditions of this account before applying. You may also contact the bank should you have any questions about their product.

      Hope this helps!


  2. Default Gravatar
    DeezAugust 4, 2019

    Can I get a NAB Low Rate Card on a temporary visa?

    • Avatarfinder Customer Care
      MaiAugust 5, 2019Staff

      Hi Deez,

      Thank you for leaving a question.

      NAB Low Rate Credit Card does not accept applicants on temporary visa. If you will click the credit card name on this page, look for the Eligibility tab to check residency requirement per card.

      You can also head to our page on Credit cards for temporary residents to compare credit cards that temporary visa holders can consider.

      Hope that helps.

      Kind Regards,

  3. Default Gravatar
    PeterJuly 4, 2019

    How do I calculate the minimum payment over the next 10 years?

    • Avatarfinder Customer Care
      JeniJuly 5, 2019Staff

      Hi Peter,

      Thank you for getting in touch with Finder.

      Please note that all credit cards have minimum repayments, which usually are calculated as 2% or 3% of your total balance charged that statement period.

      I hope this helps.

      Thank you and have a wonderful day!


  4. Default Gravatar
    AjOctober 4, 2017

    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?

    • Default Gravatar
      ArnoldOctober 7, 2017

      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


  5. Default Gravatar
    IanJuly 29, 2017

    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

    • Avatarfinder Customer Care
      RenchJuly 29, 2017Staff

      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.


  6. Default Gravatar
    KirstyMay 26, 2017

    Do you guys do prepaid Visa cards?

    • Avatarfinder Customer Care
      RenchMay 29, 2017Staff

      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.


  7. Default Gravatar
    KristyNovember 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

    • Avatarfinder Customer Care
      DeeNovember 17, 2016Staff

      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.


  8. Default Gravatar
    NathanAugust 30, 2016

    Hi I applied for a credit card and I haven’t heard anything back from the bank what should I do

    • Avatarfinder Customer Care
      MayAugust 30, 2016Staff

      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.


  9. Default Gravatar
    RobertJuly 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!

    • Default Gravatar
      ChesterAugust 2, 2016

      Hello Robert

      Thanks for your question.

      With NAB Premium or NAB flybuys Rewards credit cards. 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.


  10. Default Gravatar
    StephanieApril 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

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards 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.

Go to site