NAB Credit Cards
With low rates, rewards and premium options available, compare NAB credit cards to find one that fits your needs.
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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.
Receive up to 130,000 bonus points
75 bonus Status Credits
Offer ends 30 November 2020
Eligibility criteria, terms and conditions, fees and charges apply
NAB Credit Card Offer
Earn up to 130,000 bonus Qantas Points, take advantage of complimentary overseas travel insurance and a 24/7 concierge service.
- 75 bonus Status Credits & 100,000 bonus Qantas Points (spend $3,000 within the first 60 days) and 30,000 after 12 months
- First year annual fee of $295 ($395 p.a. thereafter)
- 19.99% p.a. purchase interest rate | 21.74% p.a. cash advance rate
- Minimum credit limit of $15,000
Comparison of NAB Credit Cards
Types of NAB credit cards
NAB credit cards can suit many different needs, with low rate and low fee options, as well as rewards 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 fee and low rate 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
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:
- 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 provide a detailed 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.
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 Low Fee Platinum Card – Exclusive Offer
This exclusive offer gives you a long-term 0% balance transfer offer, no balance transfer fee and seven complimentary insurance covers.
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 card offering up to 130,000 bonus Qantas Points, 75 bonus Status Credits, a reduced first-year annual fee and complimentary insurances.
NAB Rewards Signature
Enjoy up to 120,000 bonus points when you meet the spend criteria and complimentary insurance covers with the NAB Rewards Signature.
NAB Rewards guide
Discover how you can earn points to reward your spending with the NAB Rewards program.
NAB Rewards Platinum Card
Take advantage of 60,000 bonus points and earn points as you spend with the NAB Rewards Platinum Card.
NAB Rewards Classic Card
The NAB Rewards Classic credit card gives you a way to earn points for your everyday spending – with an introductory 30,000 bonus points offer.
NAB Low Rate Platinum Card
The NAB Low Rate Platinum Card offers a low introductory rate on purchases and balance transfers, plus premium perks like international travel insurance and a concierge service.
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.
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Credit Cards Comparison
* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au 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.