NAB Credit Cards

Compare NAB credit cards with balance transfer offers, rewards, low-cost features – and even a no interest option.

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NAB is one of Australia's four biggest banks and offers a range of credit cards to suit different goals. This includes cards with balance transfer offers, reward or frequent flyer points, low rates, low fees and business credit cards. NAB was also the first Australian bank to issue a no interest credit card that charges a monthly fee instead – the NAB StraightUp.

Comparison of NAB Credit Cards

% p.a.
Name Product Balance transfer rate p.a. Purchase rate p.a. Bonus points Annual fee Amount saved
NAB Qantas Rewards Signature Card
0% for 12 months with 3% balance transfer fee
$295 for the first year ($395 thereafter)
Earn up to 120,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 30,000 after 12 months).
NAB Rewards Signature Card
0% for 12 months with 3% balance transfer fee
Earn up to 140,000 bonus NAB Rewards Points (100,000 when you spend $3,000 in the first 60 days and 40,000 after 12 months).
NAB Low Rate Credit Card
0% for 32 months
$0 for the first year ($59 thereafter)
Get a 0% interest rate on balance transfers for the first 32 months (with no BT fee). Plus, save with a $0 first-year 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
Receive 100,000 bonus Qantas Points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.
NAB Rewards Business Signature Card
Get 100,000 bonus NAB Rewards points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.
NAB Low Fee Card
0% for 12 months with 3% balance transfer fee
Receive complimentary insurance covers and 0% p.a. for 12 months on balance transfers.
NAB Qantas Rewards Premium Card
0% for 12 months with 3% balance transfer fee
Get 65,000 bonus Qantas Points when you spend $2,500 in the first 60 days and free Qantas Frequent Flyer membership.
NAB Low Rate Business Card
0% for 12 months, reverts to 13.25%
$0 for the first year ($60 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% for 12 months with 3% balance transfer fee
Offers 6 complimentary insurance covers and 0% p.a. for 12 months on balance transfers for a $90 p.a. annual fee.
NAB Rewards Platinum Card
0% for 12 months with 3% balance transfer fee
$95 for the first year ($195 thereafter)
Collect up to 80,000 bonus NAB Rewards Points (60,000 when you spend $1,000 in the first 60 days and 20,000 after 12 months).
NAB Business Card
A charge card that gives you up to 35 days interest-free on business purchases and complimentary business liability insurance.

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Types of credit cards from NAB

  • NAB balance transfer credit card offers

NAB balance transfer credit card offers give you an introductory low or 0% interest rate when you move debt (or debts) from up to 5 Australian credit cards or store cards that are not issued by NAB.

At the end of the introductory period, any unpaid balance transfer amount will be charged interest at the card's cash advance interest rate. As this is typically high, you'll get the most value from the balance transfer offer when you focus on paying off the balance before you use the card for anything else.

You can request a balance transfer when you apply for a new NAB credit card or at any time on an existing credit card. Just be aware the balance transfer details may be different depending on when you apply. Also take note of any one-time balance transfer fees, along with the other features of the card.

  • NAB no interest credit card

The NAB Straight Up Card has no interest rate – instead, it charges a flat monthly fee when you use it or carry a balance. The fee is based on your credit limit, with a cost of $10, $15 or $20 that can make it easier to keep track of account costs compared to interest (which can vary in costs). The monthly fee is also waived if you don't have a balance and don't use the card for a statement period.

The NAB StraightUp was the first no interest, flat fee card to be launched in Australia (in September 2020). Since then, 2 other Big Banks have also introduced no interest cards: CommBank and Westpac.

  • NAB low rate credit cards

The NAB Low Rate Card offers a 12.99% p.a. interest rate for purchases, which is much lower than the average standard credit card interest rate in Australia of 19.94%. So this low rate can help keep your interest charges down, although it's still worth looking at the other features and comparing it to other cards.

  • NAB low fee credit cards

NAB low fee credit cards can help you save on account costs by offering competitive annual fees. The NAB Low Fee Card has all the essential credit card features and the NAB Low Fee Platinum Card comes with complimentary insurance options, as well as a concierge service.

  • NAB Rewards credit cards

NAB Rewards credit cards offer you points per $1 on all your eligible spending – including groceries, petrol, dining and travel bookings. You can redeem your points for rewards including travel, frequent flyer point transfers, gift cards and retail items. Finder's guide to the NAB Rewards program gives you all the details.

  • NAB frequent flyer credit cards

NAB Qantas Rewards cards give you a way to earn Qantas Points on your everyday credit card spending, with 1 additional point per $1 on selected spending with Qantas. These cards also offer complimentary Qantas Frequent Flyer membership, which could save you $99.50 on the usual joining fee.

Get more value: NAB reward and frequent flyer credit cards sometimes have introductory bonus point offers that can fast-track your rewards when you get a new card and meet the spend requirements. They also offer other perks, ranging from complimentary travel and purchase insurance to a concierge service. Check the benefits for each card to see what it offers and compare your options.
  • NAB business credit cards

NAB offers a wide range of business credit cards with features including rewards and frequent flyer points, low rates and additional cards for employees. NAB business credit cards also help you keep personal and business expenses separate if you're a business owner (including sole traders), with detailed statements and option of setting individual limits for additional cards linked to the account. NAB also offers cards for larger corporate accounts.

Benefits of getting a NAB credit card

Each NAB credit card has different features, but here are some of the key benefits you can get:

  • Mobile payments

NAB credit cards can be used with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay.

  • NAB credit card complimentary insurance

Some NAB rewards and premium credit cards come with a range of complimentary insurance options for purchases and travel. For details of the insurance available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).

  • Internet and mobile banking

NAB Internet banking and the mobile app both give you ways to 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. You can also temporarily block your NAB credit card.

If you're using the NAB app on a compatible Android phone, you can also set up NAB Pay and make payments straight from your phone – including when you're waiting for a new physical credit card to arrive in the mail.

  • Fraud protection

NAB Defence is a service that helps keep your account safe by detecting suspicious activity. You also get protection with a zero liability policy for fraudulent transactions, which means you'll be refunded if your card is ever used for fraud.

  • Annual fee waiver – NAB home loan package

If you get a NAB Choice Package home loan, you can get the annual fee waived on a credit card of your choosing. As there are other fees and costs to getting a mortgage, you should learn more about NAB home loans and packages to decide if this will work for you.

Eligibility criteria

When you want to apply for a NAB credit card, there are a few eligibility boxes you'll need to tick first.

Each NAB card has slightly different details, but include the following:

  • Age. You must be at least 18 years old to apply for a NAB credit card.
  • Australian residency status. You can apply for a NAB credit card if you're an Australian or New Zealand citizen, permanent resident of Australia or hold an acceptable temporary residency visa. Note that the following Australian temporary visas are not acceptable: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.

How long does it take to apply?

It takes around 15 minutes to apply for a NAB credit card online and you'll get an initial response within 60 seconds of submitting your completed application form. NAB will then be in touch with further details and next steps.

Information and documents you need to apply

NAB credit card applications are made up of a mix of general details and information about your financial situation. This includes:

  • Personal information. Your full name, date of birth, contact details, address and details about your current living situation. If you're a new NAB customer, you need to provide one of the following forms of identification: Australian driver's licence, Medicare card, Australian passport or international passport.
  • Financial information. Your income and assets, such as savings, shares or property. You also need to include details of existing cards, loans or other liabilities, plus your share of regular household expenses such as groceries, petrol, rent or mortgage repayments.
  • Employment details. Your last 3 years of employment history. You may also be asked to provide supporting documents such as your most recent payslips, bank statements or Australian Taxation Office tax assessment notice.

Have a question about NAB credit card applications? Call NAB on 13 22 65 to talk about your situation.

Card details

Depending on which NAB card you're applying for, you could be asked about the following details as part of the application:

  • Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that NAB will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
  • Balance transfer information. If you want to transfer a balance to a NAB credit card, you'll need to provide details of the debt that you want to transfer, including the account name, number and financial institution's BSB.

What happens after you apply?

NAB will give you an application reference number. You'll also get details about providing more supporting documentation (if that's needed), or next steps.

Frequently asked questions about NAB credit cards

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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 Rewards

    Here's how to get the best value from your NAB Rewards points.

  • 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 frequent flyer credit card offering up to 120,000 bonus Qantas Points, a reduced first-year annual fee and complimentary insurance covers.

  • NAB Rewards Signature

    Offers up to 140,000 bonus points when you meet the spend criteria and complimentary insurance covers, with a $295 annual fee.

  • NAB Rewards Platinum Card

    With up to 80,000 bonus NAB Rewards Points, a reduced first-year annual fee and complimentary insurance, is this NAB card right for you?

  • 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.

  • NAB credit card complimentary travel insurance explained

    Find out when you’ll get complimentary international travel insurance, cover for trips in Australia, plus insurance for your shopping with a NAB credit card.

  • NAB Purchasing and Corporate Cards

    Get a card facility you can tailor to your company’s needs, with multiple cards, expense tracking tools and the option of a custom design.

  • NAB Low Rate Business Card

    The NAB Low Rate Business credit card offers cards for employees and low-cost features, including 0% p.a. on purchases for the first 12 months.

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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.

      It appears that NAB Prepaid Everyday Mastercard is not offered on our website. If you are still looking for an everyday transaction account from NAB, you may consider opening a NAB Classic Banking Transaction Account. 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, you may refer to our 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.

      The NAB low-rate credit card does not accept applicants on temporary visas. If you press the ‘More info’ link, it will redirect you to our product review page . Form there, look for the Eligibility tab to check the residency requirement per card.

      You may also refer to our list of 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 our page on 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.

      Once you have chosen a particular card, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with your application or get in touch with their representatives for further assistance.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      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 our page about NAB Rewards Platinum credit card to learn more.

      You may avail of 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.


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