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NAB Credit Cards

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.

NAB Credit Card Offer

NAB Qantas Rewards Signature Card

Earn 90,000 bonus Qantas Points

Eligibility criteria, terms and conditions, fees and charges apply

NAB Credit Card Offer

Receive 90,000 bonus Qantas Points when you meet the spend criteria. Plus, save with a discounted annual fee in the first year and seven complimentary insurances.

  • $295 p.a. annual fee for the first year ($395 p.a. thereafter).
  • 19.99% p.a. on purchases
  • 0% p.a. for 6 months with 2% BT fee on balance transfers
  • Cash advance rate of 21.74% p.a.
  • Up to 44 days interest free
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Comparison of NAB Credit Cards

Rates last updated June 25th, 2019
% p.a.

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Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
NAB Qantas Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
NAB Low Rate Platinum Card
0% p.a. for 6 months with 2% balance transfer fee
0% for 15 months, reverts to 13.99% p.a.
$100 p.a.
Enjoy a 0% p.a. interest rate offer on purchases for 15 months and the protection of 7 complimentary insurances including overseas travel insurance.
NAB Low Fee Platinum Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
$90 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.
$30 p.a.
Receive complimentary purchase protection insurance and 0% p.a. for 6 months on balance transfers.
NAB Rewards Business Signature Card
18.50% p.a.
$175 p.a.
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening.
NAB Low Rate Business Card
0% for 12 months, reverts to 13.25% p.a.
$0 p.a. annual fee for the first year ($60 p.a. thereafter)
Manage your cashflow with up to 55 days interest-free on business purchases and receive complimentary unauthorised transaction insurance.
NAB Low Rate Credit Card
0% p.a. for 6 months with 2% balance transfer fee
0% for 6 months, reverts to 13.99% p.a.
$59 p.a.
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
NAB Qantas Business Signature Card
18.50% p.a.
$295 p.a.
Receive 100,000 bonus Qantas Points and earn points on everyday business purchases. Also get up to 44 days interest-free and multiple cards.
NAB Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$295 p.a.
Receive 90,000 bonus NAB Rewards points, worth over $450 in gift cards or 45,000 Velocity points when you meet the spend requirement.
NAB Rewards Platinum Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$195 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 Rewards Classic Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
NAB Qantas Rewards Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 interest-free days on purchases.
NAB Qantas Rewards Premium Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$250 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.

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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 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 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.

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89 Responses

  1. 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


  2. 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.


  3. 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.


  4. 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
      LouNovember 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.


  5. 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.


  6. 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 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.


  7. 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

  8. Default Gravatar
    CraigSeptember 9, 2015


    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

    • Avatarfinder Customer Care
      SallySeptember 10, 2015Staff

      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.



  9. Default Gravatar
    MarianJune 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?

    • Avatarfinder Customer Care
      sally.mcmullen@hiveempire.comJune 5, 2015Staff

      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.



  10. Default Gravatar
    JohnApril 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?

    • Avatarfinder Customer Care
      JonathanApril 16, 2015Staff

      Hi John, thanks for your inquiry!

      Please refer to the contact details I have provided to your email for NAB.



Credit Cards Comparison

Rates last updated June 25th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 June 2019.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

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.

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