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 perks such as complimentary 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.

NAB Credit Card Offer

NAB Qantas Rewards Signature Card

Earn up to 110,000 bonus Qantas Points
Discounted $295 first year annual fee

Eligibility criteria, terms and conditions, fees and charges apply

NAB Credit Card Offer

Earn up to 110,000 bonus Qantas Points, take advantage of complimentary insurance covers and a 24/7 concierge service.

  • 90,000 bonus Qantas Points (spend $3,000 within the first 60 days) and 20,000 points 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
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Comparison of NAB Credit Cards

% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
NAB Qantas Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Earn up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months).
NAB Low Rate Credit Card
0% p.a. for 26 months with 2% balance transfer fee
12.99% p.a.
$0 annual fee for the first year ($59 p.a. thereafter)
Get a 0% interest rate on balance transfers for the first 26 months (with 2% BT fee). Plus, save with a $0 first-year annual fee.
NAB Qantas Business Signature Card
18.5% p.a.
Receive 100,000 bonus Qantas Points and earn points on everyday business purchases (including ATO payments). Up to 44 days interest-free. ABN required.
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 Rewards Business Signature Card
18.5% 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.
NAB Low Fee Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
Receive complimentary insurance covers and 0% p.a. for 6 months on balance transfers.
NAB Qantas Rewards Premium Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
Get 65,000 bonus Qantas Points when you spend $2,500 on everyday purchases within the first 60 days.
NAB Low Rate Business Card
0% p.a. for 12 months, reverts to 13.25% p.a.
$0 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.
NAB Low Fee Platinum Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
Offers 6 complimentary insurance covers and 0% p.a. for 6 months on balance transfers for a $90 p.a. annual fee.
NAB Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% 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.
NAB Rewards Platinum Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
Collect 60,000 bonus points when you spend $1,000 within 60 days of account opening. Plus, receive complimentary insurance.

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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 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 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).

  • 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 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.

  • The best way to spend 50,000 NAB Rewards

    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 card offering up to 110,000 bonus Qantas Points, 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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95 Responses

    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!


    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,

    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!


    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


    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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