NAB Credit Cards

With low rates, rewards and premium options available, compare NAB credit cards to find one that fits your needs.

NAB

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.

NAB Credit Card Offer

NAB Qantas Rewards Signature Card

Earn up to 120,000 bonus Qantas Points

Eligibility criteria, terms and conditions, fees and charges apply

NAB Credit Card Offer

Earn up to 120,000 bonus Qantas Points, take advantage of complimentary overseas travel insurance and a 24/7 concierge service.

  • 90,000 bonus Qantas Points (spend $3,000 within the first 60 days) and 30,000 after 12 months
  • First year annual fee of $295 ($395 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

Rates last updated November 18th, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
NAB Qantas Rewards Signature Card
120,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
NAB Qantas Business Signature Card
100,000 bonus points
Qantas Frequent Flyer
0.66
18.50% p.a.
$295 p.a.
Receive 100,000 bonus Qantas Points and earn points on everyday business purchases. Also get up to 44 days interest-free. ABN required.
NAB Rewards Business Signature Card
100,000 bonus points
NAB Rewards
1.25
18.50% p.a.
$175 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 Rate Business Card
0% for 12 months, reverts to 13.25% p.a.
$0 p.a. 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 Rate Platinum Card
0% for 15 months, reverts to 13.99% p.a.
$100 p.a.
Enjoy a 0% p.a. interest rate offer on purchases for 15 months and the protection of 7 complimentary insurances including overseas travel insurance.
NAB Low Fee Platinum Card
19.74% p.a.
$90 p.a.
Offers 7 complimentary insurance covers and 0% p.a. for 6 months on balance transfers for a $90 p.a. annual fee.
NAB Low Fee Card
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance and 0% p.a. for 6 months on balance transfers.
NAB Low Rate Credit Card
0% for 6 months, reverts to 13.99% p.a.
$59 p.a.
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
NAB Rewards Signature Card
120,000 bonus points
NAB Rewards
1.25
19.99% p.a.
$295 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
60,000 bonus points
NAB Rewards
1
19.99% p.a.
$195 p.a.
Collect 60,000 bonus points when you spend $1,000 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
NAB Rewards Classic Card
30,000 bonus points
NAB Rewards
0.75
19.99% p.a.
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
NAB Qantas Rewards Card
Qantas Frequent Flyer
0.5
19.99% p.a.
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 interest-free days on purchases.
NAB Qantas Rewards Premium Card
30,000 bonus points
Qantas Frequent Flyer
0.66
19.99% p.a.
$250 p.a.
Offers 30,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.

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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 reward 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 rate and low fee 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

NAB 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:

  • NAB Internet and mobile banking

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.

  • 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 secure 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 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.

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.

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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

    • Avatarfinder Customer Care
      NikkiAugust 31, 2019Staff

      Hi Laurelle,

      Thanks for your message. Upon checking our pages, I am unable to find a NAB Prepaid Everyday Mastercard. If you are still looking for an everyday transaction account from NAB, you can check this page. 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, here is a page showing a 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!

      Best,
      Nikki

  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.

      NAB Low Rate Credit Card does not accept applicants on temporary visa. If you will click the credit card name on this page, look for the Eligibility tab to check residency requirement per card.

      You can also head to our page on Credit cards for temporary residents to compare credit cards that temporary visa holders can consider.

      Hope that helps.

      Kind Regards,
      ​Mai

  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!

      Cheers,
      Jeni

  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 this page to know 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.

      Hope this information helps

      Cheers,
      Arnold

  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 this by going to this page.

      You may avail 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.

      Cheers,
      Rench

  6. Default Gravatar
    KirstyMay 26, 2017

    Do you guys do prepaid Visa cards?

    • Avatarfinder Customer Care
      RenchMay 29, 2017Staff

      Hi Kirsty,

      Thanks for your inquiry.

      NAB actually has a prepaid card, but only a Mastercard. You can find the review for their NAB Traveller Card here.

      Some other prepaid cards with Visa logo are listed on this page. If you also want to know more how Visa card works in Australia, you can check it here.

      Hope this information helped.

      Cheers,
      Rench

  7. Default Gravatar
    KristyNovember 17, 2016

    I filled out online application form for a nab credit card. After getting to the approved page except for info needed I lost everything off my phone so I’m not sure if the application went through or not

    • Avatarfinder Customer Care
      DeeNovember 17, 2016Staff

      Hi Kristy,

      Thanks for your question.

      If there is no way for you to return to your ‘last session,’ I suggest that you directly contact NAB and enquire if your application went through.

      Cheers,
      Anndy

  8. Default Gravatar
    NathanAugust 30, 2016

    Hi I applied for a credit card and I haven’t heard anything back from the bank what should I do

    • Avatarfinder Customer Care
      MayAugust 30, 2016Staff

      Hi Nathan,

      Thank you for your inquiry.

      Generally, credit card companies process applications within 1-2 weeks. However, if you want to make a follow-up of your application, you can call the card issuer directly. You may like to get an idea on how to track the status of your application on this page.

      Cheers,
      May

  9. Default Gravatar
    RobertJuly 23, 2016

    With nab credit cards, what is the best card to use with car rental for free rental car damage insurance? & extended warranty coverage for personal purchase!

    • Default Gravatar
      ChesterAugust 2, 2016

      Hello Robert

      Thanks for your question.

      With NAB Premium or NAB flybuys Rewards cards, you’ll be able to receive the complimentary travel insurance. There’s also cover for rental vehicle accidents and extended warranty. You can find more details about NAB complimentary insurance here.

      I hope this helps.

      Cheers!
      Chester

  10. Default Gravatar
    StephanieApril 2, 2016

    I just applied for a credit card with 0% interest free for y months.

    How does that work? The bank approved a limit for me of let’s say xxx of balance transfer

    Is that limit of xxx balance transfer per month or what? Thanks

Credit Cards Comparison

Rates last updated November 18th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months with 1% balance transfer fee
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% p.a. interest rate on balance transfers for the first 22 months, with a 1% balance transfer fee. Plus, a reduced $64 first year annual fee.
Latitude 28° Global Platinum Mastercard
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months.
Citi Clear Platinum Credit Card
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.

Compare up to 4 providers

* 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.

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