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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 Big Four banks and offers credit cards to suit pretty much every purpose. This includes cards with balance transfer offers, reward or frequent flyer points, low rates, low fees and business credit cards. In 2022, NAB acquired the Citi consumer business in Australia and is now the issue of several brands including Coles, Qantas Money, Suncorp Bank and Kogan Money.

Comparison of NAB Credit Cards

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Name Product Balance transfer rate p.a. Purchase rate p.a. Bonus points Annual fee Amount Saved
NAB Low Rate Credit Card
0% for 28 months with 2% balance transfer fee, then 21.74%
13.49%
N/A
$0 first year ($59 after)
$1,768.59 over 28 months
Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.
NAB Rewards Platinum Card
0% for 12 months with 3% balance transfer fee, then 21.74%
20.99%
100,000
$45 first year ($195 after)
$882.32 over 12 months
Get up to 100,000 bonus NAB Rewards Points (worth $480 in eGift cards): 80k points when you spend $1,000 in the first 60 days and 20k after 12 months.
NAB Rewards Signature Card
0% for 12 months with 3% balance transfer fee, then 21.74%
20.99%
160,000
$145 first year ($295 after)
$782.32 over 12 months
Earn up to 160,000 bonus NAB Rewards Points (worth $780 in eGift cards): 120k points when you spend $3,000 in the first 60 days and 40k after 12 months.
NAB Rewards Business Signature Card
18.5%
100,000
$175
Get 100,000 bonus NAB Rewards points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.
NAB Qantas Business Signature Card
18.5%
150,000
$295
Receive 150,000 bonus Qantas Points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.
NAB Low Rate Business Card
0% for 12 months, then 13.25%
N/A
$0 first year ($60 after)
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 Card
0% for 12 months with 3% balance transfer fee, then 21.74%
19.74%
N/A
$30
$897.32 over 12 months
Receive $200 cashback when you spend $1,500 on eligible purchases within the first 90 days.
NAB Qantas Rewards Signature Card
0% for 12 months with 3% balance transfer fee, then 21.74%
20.99%
120,000
$295 first year ($395 after)
$632.32 over 12 months
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 Qantas Rewards Premium Card
0% for 12 months with 3% balance transfer fee, then 21.74%
20.99%
70,000
$150 first year ($250 after)
$777.32 over 12 months
Get up to 70,000 bonus Qantas Points (60,000 when you spend $2,000 in the first 60 days and 10,000 after 12 months).
NAB StraightUp Card
0%
N/A
$0
Save with 0% p.a. interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
NAB Low Fee Platinum Card
0% for 12 months with 3% balance transfer fee, then 21.74%
19.74%
N/A
$90
$837.32 over 12 months
Offers 5 complimentary insurance covers and 0% p.a. for 12 months on balance transfers for a $90 p.a. annual fee.
NAB Low Rate - Cashback Offer
0% for 12 months with 3% balance transfer fee, then 21.74%
13.49%
N/A
$59
$868.32 over 12 months
Offers up to $300 cashback: $100 back when you spend $500 on eligible purchases in a month for the first 3 months.
NAB Business Card
15.5%
N/A
$108
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 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 at the card's variable 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 13.49% p.a. variable interest rate for purchases, which is much lower than the average standard credit card interest rate in Australia of 20.07% p.a. 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 (including for international travel) 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 (including Velocity Frequent Flyer), gift cards and retail items.

  • 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.

💡Tip: 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 insurance and purchase protection 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 travel and purchases. 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.

  • 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.

💡Tip: If you're an existing NAB customer, you can also check if there are additional credit card offers available to you through the NAB app or internet banking service.

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 Low Rate Card – Cashback Offer

    This offer on the NAB Low Rate Card gives you a way to get up to $300 cashback as a new cardholder. Is it right for you?

  • 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 160,000 bonus points, premium perks and a reduced first-year annual fee.

  • NAB Rewards Platinum Card

    With up to 100,000 bonus NAB Rewards Points, a reduced first-year annual fee and perks, 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 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.

  • NAB Qantas Rewards Premium Card

    You'll get a complimentary Qantas Frequent Flyer membership, Qantas Points for your everyday purchases and 5 complimentary insurance covers with the NAB Qantas Rewards Premium Card.

  • NAB Low Rate Card

    The NAB Low Rate credit card offers cost-saving features, including a 0% balance transfer for 28 months and $0 annual fee for the first year.

  • NAB Low Fee Card

    The NAB Low Fee Card offers up to 44 interest-free days on purchases, a competitive annual fee and a low minimum credit limit.

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105 Responses

    Default Gravatar
    SoonaJanuary 19, 2024

    Hi need advice please , I’m on a regular Centrelink payment.im a long-term customer also.looking for what I can apply successfully for .so the straight up card is great .but is it the best option.id use the card at like food supermarkets and say bigw or Kmart ..and cash out.. looking for no annual
    fees and very low interest rates if any

      AvatarFinder
      SarahJanuary 31, 2024Finder

      Hi Soona,

      We’re not licenced to give personal advice. Generally, this card may be a good option if you want the flexibility to purchase without feeling pressure to pay off the full balance each month, and you can afford the monthly fee of $10 to $20 (charged instead of interest).

      With a limit of $1000, you’ll pay $10 per month or $120 over a year, if you don’t pay it off in full each month.

      By contrast, on a card that charges 22% interest with an average ongoing balance of $1000, you’d pay around $220 over a year in interest (plus any annual card fees).

      If you think you can pay off the full balance each month, you might be better off with a card with no or low-annual fee.

      Hope this added context helps!

    Default Gravatar
    RobertDecember 22, 2023

    What is the difference between a platinum and black credit card

      AvatarFinder
      AmyDecember 27, 2023Finder

      Hi Robert,
      In general terms, a black credit card is considered to be more premium than a platinum card but each bank or provider has its own credit card branding. For example, the NAB Rewards Signature is a level up from the NAB Rewards Platinum (even though it is not officially called a “black card” by NAB). Finder’s guide to Gold, Platinum and Black Credit Cards has more details on differences across the market in Australia. I hope this helps.

    Default Gravatar
    AngeloNovember 21, 2023

    I have been a member of diners club since 1979, diners have advised me that it is closing all cards as at jan 24 i have been told that the NAB has purchased them and my card will be cancelled i wish to apply for a new card using my payment history with diners as a refernce have never missed a payment in 44yrs allways paid statement at end of each month will the NAB take my card on as i am a pensioner and also require an addittional card

      AvatarFinder
      AmyNovember 22, 2023Finder

      Hi Angelo,

      Yes, unfortunately Diners Club is leaving Australia next year. According to the information on the Diners Club website, your account won’t be transferred to another account once the change happens.

      So if you wanted to get a card with NAB, you would need to meet the eligibility requirements and apply for that card. You could provide your Diners Club payment history as supporting documentation, but would also need to provide other requested information, including income, assets, debts and regular expenses. Most credit cards allow an additional cardholder, and you can check these details on Finder’s card review pages or the bank’s website.

      If you want to check what’s required to apply for a NAB credit card, you can view details in this guide or call NAB on 13 22 65. If you have questions about your existing account, you may want to call Diners Club on 1300 360 060. I hope this helps.

    Default Gravatar
    DianaJune 10, 2023

    What is the fee for the additional card holder for NAb Rewards Signature credit? Thank you.

      AvatarFinder
      SarahJune 11, 2023Finder

      Hi Diana,

      You can add an additional cardholder for no cost. They must be 16 years of age or older and all transactions using the additional card will be the responsibility of the primary cardholder.

      Hope this helps!

    Default Gravatar
    GasJune 4, 2023

    Is there somewhere I can find previous credit card offers? I applied for a credit card in April 2023 and the offer has since expired, now the bank will not honour the interest free offer.

      AvatarFinder
      AmyJune 9, 2023Finder

      Thanks for getting in contact, there are a few ways to check previous offers. If you applied through Finder, please let us know which card you applied for and the date of the application by replying to this comment or emailing help@finder.com so we can investigate it. If you received communication by email or post after you applied, there may be information on any introductory offers that were available at the time. Alternatively, you could try viewing website archives with the Wayback Machine. I hope that helps.

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