NAB Credit Cards

Comparison of NAB Credit Cards

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Name	Product	Bonus Points	Rewards program	Rewards Points per $ spent	Purchase rate (p.a.)	Annual fee
NAB Qantas Rewards Signature Card		130,000 bonus points	Qantas Frequent Flyer	Visa/MC 1	19.99% p.a.	$295 p.a. annual fee for the first year ($395 p.a. thereafter)	Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.	More Info	Compare	loading Fetching your data...
NAB Low Rate Credit Card					0% for 6 months, reverts to 12.99% 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.	More Info	Compare	loading Fetching your data...
NAB Qantas Business Signature Card		100,000 bonus points	Qantas Frequent Flyer	Visa/MC 0.66	18.5% 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. ABN required.	More Info	Compare	loading Fetching your data...
NAB Rewards Business Signature Card		100,000 bonus points	NAB Rewards	Visa/MC 1.25	18.5% 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. ABN required.	More Info	Compare	loading Fetching your data...
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)	ABN w/ $75,000 p.a. revenue. 0% p.a. interest for 12 months on purchases and receive complimentary unauthorised transaction insurance.	More Info	Compare	loading Fetching your data...
NAB Low Fee Platinum Card					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.	More Info	Compare	loading Fetching your data...
NAB Low Fee Card					19.74% p.a.	$30 p.a.	Receive complimentary purchase protection insurance and 0% p.a. for 6 months on balance transfers.	More Info	Compare	loading Fetching your data...
NAB Rewards Signature Card		120,000 bonus points	NAB Rewards	Visa/MC 1.25	19.99% p.a.	$295 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.	More Info	Compare	loading Fetching your data...
NAB Rewards Platinum Card		60,000 bonus points	NAB Rewards	Visa/MC 1	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.	More Info	Compare	loading Fetching your data...
NAB Qantas Rewards Premium Card		30,000 bonus points	Qantas Frequent Flyer	Visa/MC 0.66	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.	More Info	Compare	loading Fetching your data...

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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:

• 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 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 do I transfer a balance to a NAB credit card?

  If you want to repay an existing balance, you could take advantage of a promotional low or 0% balance transfer offer with a 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 for an eligible NAB credit card. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.

• How can I pay off my credit card account with NAB?

  You can pay off your NAB credit card using the following options:

  • BPAY. Transfer funds from any eligible Australian bank account by using the Biller Code 1008 and entering your NAB credit card number as the Customer Reference Number. Remember to allow up to two business days for the payment to go through.
  • NAB Internet Banking or mobile app. If you're making a payment from another NAB account, log in to your NAB account online or via the NAB App, select the card and follow the prompts to make a payment.
  • NAB Telephone Banking. Call 13 22 65 and follow the prompts to make a payment.
  • Direct debit. You can set up a direct debit from a NAB account using Internet Banking or by filling out a Direct Debit Request form available on the NAB website. Note you'll need to provide the account number and BSB of the bank account you'd like the payment to come out of each month, as well as choosing whether the direct debit will be for the minimum amount, full amount or a fixed dollar amount.
  • NAB branch. You can pay off your credit card in person at any NAB branch.
  • By post. Your NAB credit card statement includes instructions on how to post your payment via bank cheque.
  • At Australian Post. You can repay your NAB credit card at an Australia Post outlet that offers the Bank@Post service. You'll need your credit card and PIN to complete the repayment.

• How do I set up Internet banking with my NAB credit card?

  To set up Internet banking, you will need the following information on hand:

  1. Your NAB identification number, found on the back of your NAB credit card
  2. One of the following: Your mobile phone number (if you've provided it or registered for SMS security); your NAB Telephone Banking password; or a temporary password that was issued at a branch. 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 a secure 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?

  Yes. 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 NAB credit card is lost or stolen?

  If your card has been lost, stolen or damaged, you can immediately block it and request a replacement through your NAB Internet bank account or the NAB mobile app. You can also use these services to temporarily lock your NAB credit card while you try to find it or request a replacement for a damaged card.

  To find these options, simply log in to your account online or via the mobile app, go to the "My cards" section and click on "Manage my cards". You can then choose between the options above.

  Alternatively, you can call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and1300 489 410 respectively. If you’re overseas, you can call +61 3 8641 9121 instead.

• My NAB credit card is about to expire, how do I get a new one?

  Your credit card expires on the last day of the month shown on the front of your card. For example, if your card lists an expiry as 11/21, it would expire on 30 November 2021. NAB will automatically send you a replacement card about two weeks before the expiry date that's listed on your card.

  If your card has expired and you haven’t received a replacement card, call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and1300 489 410 respectively. Alternatively, you can visit a NAB bank branch.

• 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, call NAB on 13 22 65 from 8am to 7pm Monday-Friday or 9am to 6pm on weekends (AEST). If you're overseas call +61 3 8641 9083 during these hours. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information. Note that credit limit increases are subject to criteria and approval.

• 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 NAB card, right beside the signature field. You can find out how your CVV number works in this guide.

• How can I cancel a NAB credit card?

  You can permanently close a credit card account with NAB by calling 13 22 65 or +61 3 8641 9083 if you're overseas. You can also cancel your credit card by sending NAB a secure message via Internet Banking. Before closing your account, make sure all outstanding balances are paid off.

  If your card has been lost, stolen or if you see suspicious transactions on your account, you can temporarily block it instead of cancelling it by calling 1800 033 103 in Australia or +61 3 8641 9121 from overseas. You can also do this at any time through the NAB Mobile Banking app or NAB Internet Banking.