Compare credit cards with low rates, rewards and premium features to find out why NAB credit cards are a popular option.
As one of Australia’s largest financial institutions, NAB offers credit cards to suit many types of cardholders. Whether you want a credit card that'll cut costs or a premium card that offers everything from rewards to complimentary insurance, you should be able to find a card that suits your lifestyle and financial situation. Plus, NAB is the only bank in the Big Four that lets you earn flybuys reward points on your credit card. Use this guide to compare NAB credit cards, weigh up the costs, features and benefits and click 'Go to Site' to begin your secure online application.
NAB Credit Card Offer
Apply for the NAB Premium Card and receive a long-term 0% p.a. offer on balance transfers, a competitive standard purchase rate and up to 44 interest-free days.
- $90 p.a. annual fee
- 19.74% p.a. on purchases
- 0% p.a. for 20 months with 2% balance transfer fee on balance transfers
- Cash Advance Rate of 21.74% p.a.
- Up to 44 days interest free
Comparison of NAB Credit Cards
Types of credit cards from NAB
There are a number of NAB credit cards to accommodate many types of budgets and financial needs. The low rate and low fee credit cards provide just what their name implies: a cheaper way to make purchases and a low-cost credit card to own. Meanwhile, NAB rewards credit cards are linked to Qantas, Velocity and flybuys — they’re only one of two card issuers that let you earn flybuys points when you spend.
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 credit cards
Depending on the card, NAB rewards credit cards allow you to earn rewards points with Qantas Frequent Flyer, Virgin Australia's Velocity program and Coles' flybuys loyalty scheme. These cards let you earn points for every $1 you spend on eligible purchases and some also come with bonus points offers, allowing you to give your points balance a boost. Some NAB rewards cards are dual Mastercard or Visa and American Express products, allowing you to earn higher earn rates depending on the card you're using. Many of these cards also come equipped with travel-centric perks such as complimentary travel insurance and international security cover.
The benefits of banking with NAB
Each NAB credit card offers different feature and benefits, but some of the perks you can expect from banking with NAB include:
NAB internet 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 on-the-go 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 through QBE Insurance, the cover includes 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.
Dual cards with Visa and American Express
NAB’s 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 sometimes offers a higher earn rate and will help you earn rewards faster. Plus, you'll also benefit from both Visa and American Express privileges such as American Express Connect and Visa Entertainment deals.
NAB rewards credit cards — earn NAB Rewards, flybuys points and 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:
- Age. Applicants must be at least 18 years old.
- Residential status. You'll usually need to be a 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.
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're struggling to repay an existing balance, you can take advantage of a 0% balance transfer offer with NAB to consolidate your debt and pay it down without the burden of interest for a promotional interest. You can transfer balances as little as $200 from non-NAB bank 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.