How do I transfer a balance to a NAB credit card?

If you want to repay an existing balance, you could take advantage of a promotional low or 0% balance transfer offer with a NAB credit card. This allows you to consolidate your debt and pay it down without the burden of interest for a promotional interest. To get a promotional balance transfer interest rate, you must request the balance transfer at the time of your application for an eligible NAB credit card. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.

How can I pay off my NAB credit card?

When you get your NAB credit card statement, you can choose from any of the payment options listed on the statement. This includes BPAY payments through a bank account, payments through the NAB app, and phone or Internet banking if you want to pay from a NAB transaction account. Here are details for each option. BPAY BPAY lets you pay your NAB credit card from any eligible Australian bank account. You'll need the NAB BPAY biller code 1008 and your credit card number for the customer reference number to complete the payment. Then, log in to your transaction account, select BPAY and enter these details, along with the amount you would like to pay off the card. Just keep in mind you should allow up to 2 business days for the payment to go through. NAB Internet Banking or mobile app If you're making a payment from another NAB account, log in to your NAB account online or via the NAB App, select the card and follow the prompts to make a payment. NAB Telephone Banking You can pay your bill over the phone 24/7 by calling NAB on 13 22 65 and following the prompts to make a payment. Direct debit You can set up a direct debit from a NAB account using Internet banking or the NAB app. If you want to set up direct debits from another bank account, you can download and fill out a Direct Debit Request form from the NAB website. Note you'll need to provide the account number and BSB of the bank account you'd like the payment to come out of each month, as well as choosing whether the direct debit will be for the minimum amount, full amount or a fixed dollar amount. NAB branch You can pay off your credit card in person at a NAB branch. You'll need your credit card statement and/or account details, as well as cash for the payment or details of the NAB bank account you want to pay from. By cheque and post Your NAB credit card statement includes instructions on how to post your payment via bank cheque. At Australia Post You can repay your NAB credit card at an Australia Post outlet that offers the Bank@Post service. You'll need your credit card and PIN to complete the repayment.

How do I set up Internet banking with my NAB credit card?

To set up Internet banking, you will need the following information on hand: Your NAB identification number, found on the back of your NAB credit card One of the following: Your mobile phone number (if you've provided it or registered for SMS security); your NAB Telephone Banking password; or a temporary password that was issued at a branch. 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 a secure Internet banking password. From here, you can activate a range of services that allow you to pay different accounts with ease.

What happens if my NAB credit card is lost or stolen?

If your card has been lost, stolen or damaged, you can immediately block it and request a replacement through your NAB Internet bank account or the NAB mobile app. You can also use these services to temporarily lock your NAB credit card while you try to find it or request a replacement for a damaged card. To find these options, simply log in to your account online or via the mobile app, go to the "My cards" section and click on "Manage my cards". You can then choose between the options above. Alternatively, you can call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri or 9am-6pm Sat-Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. If you’re overseas, you can call +61 3 8641 9121 instead.

My NAB credit card is about to expire, how do I get a new one?

Your credit card expires on the last day of the month shown on the front of your card. For example, if your card lists an expiry as 12/25, it would expire on 31 December 2025. NAB will automatically send you a replacement card about two weeks before the expiry date that's listed on your card. If your card has expired and you haven’t received a replacement card, call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri or 9am-6pm Sat-Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. Alternatively, you can visit a NAB bank branch.

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, call NAB on 13 22 65 from 8am to 7pm Monday-Friday, 7am - 6pm Saturday or 9am to 6pm Sunday (AEST). If you're overseas call, +61 3 8641 9083 during these hours. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information. Note that credit limit increases are subject to criteria and approval.

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 NAB card, right beside the signature field. You can find out how your CVV number works in this guide.

How can I cancel a NAB credit card?

You can permanently close a credit card account with NAB by calling 13 22 65 or +61 3 8641 9083 if you're overseas. You can also cancel your credit card by sending NAB a secure message via Internet Banking. Before closing your account, make sure all outstanding balances are paid off. If your card has been lost, stolen or if you see suspicious transactions on your account, you can temporarily block it instead of cancelling it by calling 1800 033 103 in Australia or +61 3 8641 9121 from overseas. You can also do this at any time through the NAB Mobile Banking app or NAB Internet Banking.

NAB Credit Cards

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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 (now MyCard) consumer business in Australia and is now the issue of several brands including Coles, Qantas Money and Kogan Money.

Compare NAB Credit Cards

Balance transfer rate p.a.	Purchase rate p.a.	Bonus points	Annual fee	Amount Saved
NAB Low Rate - Cashback Offer	0% for 12 months with 3% balance transfer fee, then 22.99%	13.99%	N/A	$99	No savings	Offers $400 cashback when you spend $5,000 on everyday purchases within the first 150 days.	Go to site View details Compare product selectionCompare	loading
NAB Qantas Rewards Premium Card	0% for 12 months with 3% balance transfer fee, then 22.99%	22.49%	40,000	$295	No savings	Get up to 40,000 bonus Qantas Points (25,000 points + $150 cashback when you spend $4,000 in the first 90 days and 15,000 points after 12 months).	Go to site View details Compare product selectionCompare	loading
NAB Rewards Card – Velocity Points	0% for 12 months with 3% balance transfer fee, then 22.99%	22.49%	80,000	$195	No savings	Get up to 80,000 bonus Velocity Points: 40,000 points when you spend $4,000 in the first 90 days and 40,000 points after 12 months.	Go to site View details Compare product selectionCompare	loading
NAB Qantas Rewards Signature Card	0% for 12 months with 3% balance transfer fee, then 22.99%	22.49%	60,000	$449	No savings	Earn up to 60,000 bonus Qantas Points (40,000 points + $200 cashback when you spend $5,000 in the first 90 days and additional 20,000 points when you keep your card open for over 12 months from activation).	Go to site View details Compare product selectionCompare	loading
NAB Rewards Travel Card – Velocity Points	0% for 12 months with 3% balance transfer fee, then 22.99%	22.49%	90,000	$395	No savings	Get up to 90,000 bonus Velocity Points: 50,000 points when you spend $5,000 in the first 90 days and 40,000 points when you keep your card open for over 12 months. Plus, no foreign transaction fees.	Go to site View details Compare product selectionCompare	loading
NAB Low Rate Business Card		0% for 12 months, then 13.99%	N/A	$0 first year ($60 after)	No savings	ABN w/ $75,000 p.a. revenue. 0% p.a. interest for 12 months on purchases and receive complimentary unauthorised transaction insurance.	Go to site View details Compare product selectionCompare	loading
NAB Rewards Business Signature Card Finder Award		19.5%	250,000	$175	No savings	Get up to 250,000 bonus NAB Rewards Points: 200,000 points when you spend $8,000 on everyday business purchases in the first 90 days and 50,000 points when you keep your account open for at least 15 months. ABN required.	Go to site View details Compare product selectionCompare	loading
NAB Qantas Business Signature Card Finder Award		19.5%	200,000	$295	No savings	Get up to 200,000 bonus Qantas Points: 150,000 points when you spend $10,000 on everyday business purchases in the first 90 days and 50,000 points when you keep your account open for at least 15 months. ABN required.	Go to site View details Compare product selectionCompare	loading
NAB Low Rate Credit Card	0% for 26 months with 3% balance transfer fee, then 22.99%	13.99%	N/A	$99	No savings	Save with a 0% balance transfer rate for the first 26 months (with a 3% balance transfer fee).	View details Compare product selectionCompare	loading
NAB Low Fee Card	0% for 12 months with 3% balance transfer fee, then 22.99%	22.49%	N/A	$49	No savings	Receive $250 cashback when you spend $1,500 on eligible purchases within the first 90 days.	View details Compare product selectionCompare	loading
NAB Rewards Travel Card	0% for 12 months with 3% balance transfer fee, then 22.99%	22.49%	180,000	$395	No savings	Get up to 180,000 bonus NAB Rewards Points (worth $500 in eGift cards): 120,000 points when you spend $5,000 in the first 90 days and 60,000 points after 12 months. Plus, no foreign transaction fees.	View details Compare product selectionCompare	loading
NAB Rewards Card	0% for 12 months with 3% balance transfer fee, then 22.99%	22.49%	100,000	$195	No savings	Get up to 100,000 bonus NAB Rewards Points (worth $450 in eGift cards): 80,000 points when you spend $3,000 in the first 90 days and 20,000 after 12 months.	View details Compare product selectionCompare	loading
NAB Purchasing and Corporate Card Finder Award		12.65%	N/A		No savings	Take control of your business spending and monitor expenses with FlexiPurchase expense management software.	View details Compare product selectionCompare	loading
NAB Business Card		16.5%	N/A	$108	No savings	A charge card that gives you up to 35 days interest-free on business purchases and complimentary business liability insurance.	View details Compare product selectionCompare	loading

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Congratulations, NAB!

NAB was a big winner in the 2026 Finder Awards.

Winner, Best Low Rate Business Charge Card: NAB Purchasing and Corporate Card
Winner, Best Business Frequent Flyer Credit Card: NAB Qantas Business Signature Card
Winner, Best Small Business Rewards Credit Card: NAB Rewards Business Signature Card

Full list of 2026 credit cards winners

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 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.

💡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.

How to apply for a NAB credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to NAB

If you want to compare NAB credit cards to those from other lenders, you could consider the other Big Four Banks in Australia:

Frequently asked questions about NAB credit cards

If you want to repay an existing balance, you could take advantage of a promotional low or 0% balance transfer offer with a NAB credit card. This allows you to consolidate your debt and pay it down without the burden of interest for a promotional interest.
To get a promotional balance transfer interest rate, you must request the balance transfer at the time of your application for an eligible NAB credit card. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.
When you get your NAB credit card statement, you can choose from any of the payment options listed on the statement. This includes BPAY payments through a bank account, payments through the NAB app, and phone or Internet banking if you want to pay from a NAB transaction account. Here are details for each option.
BPAY
BPAY lets you pay your NAB credit card from any eligible Australian bank account. You'll need the NAB BPAY biller code 1008 and your credit card number for the customer reference number to complete the payment.
Then, log in to your transaction account, select BPAY and enter these details, along with the amount you would like to pay off the card. Just keep in mind you should allow up to 2 business days for the payment to go through.
NAB Internet Banking or mobile app
If you're making a payment from another NAB account, log in to your NAB account online or via the NAB App, select the card and follow the prompts to make a payment.
NAB Telephone Banking
You can pay your bill over the phone 24/7 by calling NAB on 13 22 65 and following the prompts to make a payment.
Direct debit
You can set up a direct debit from a NAB account using Internet banking or the NAB app. If you want to set up direct debits from another bank account, you can download and fill out a Direct Debit Request form from the NAB website.
Note you'll need to provide the account number and BSB of the bank account you'd like the payment to come out of each month, as well as choosing whether the direct debit will be for the minimum amount, full amount or a fixed dollar amount.
NAB branch
You can pay off your credit card in person at a NAB branch. You'll need your credit card statement and/or account details, as well as cash for the payment or details of the NAB bank account you want to pay from.
By cheque and post
Your NAB credit card statement includes instructions on how to post your payment via bank cheque.
At Australia Post
You can repay your NAB credit card at an Australia Post outlet that offers the Bank@Post service. You'll need your credit card and PIN to complete the repayment.
To set up Internet banking, you will need the following information on hand:
1. Your NAB identification number, found on the back of your NAB credit card
2. One of the following: Your mobile phone number (if you've provided it or registered for SMS security); your NAB Telephone Banking password; or a temporary password that was issued at a branch. 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 a secure Internet banking password. From here, you can activate a range of services that allow you to pay different accounts with ease.
If your card has been lost, stolen or damaged, you can immediately block it and request a replacement through your NAB Internet bank account or the NAB mobile app. You can also use these services to temporarily lock your NAB credit card while you try to find it or request a replacement for a damaged card.
To find these options, simply log in to your account online or via the mobile app, go to the "My cards" section and click on "Manage my cards". You can then choose between the options above.
Alternatively, you can call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri or 9am-6pm Sat-Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. If you’re overseas, you can call +61 3 8641 9121 instead.
Your credit card expires on the last day of the month shown on the front of your card. For example, if your card lists an expiry as 12/25, it would expire on 31 December 2025. NAB will automatically send you a replacement card about two weeks before the expiry date that's listed on your card.
If your card has expired and you haven’t received a replacement card, call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri or 9am-6pm Sat-Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. Alternatively, you can visit a NAB bank branch.
If you want to increase or decrease your credit card limit, call NAB on 13 22 65 from 8am to 7pm Monday-Friday, 7am - 6pm Saturday or 9am to 6pm Sunday (AEST). If you're overseas call, +61 3 8641 9083 during these hours. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information. Note that credit limit increases are subject to criteria and approval.
You can permanently close a credit card account with NAB by calling 13 22 65 or +61 3 8641 9083 if you're overseas. You can also cancel your credit card by sending NAB a secure message via Internet Banking. Before closing your account, make sure all outstanding balances are paid off.
If your card has been lost, stolen or if you see suspicious transactions on your account, you can temporarily block it instead of cancelling it by calling 1800 033 103 in Australia or +61 3 8641 9121 from overseas. You can also do this at any time through the NAB Mobile Banking app or NAB Internet Banking.

Compare other products from NAB

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. NAB credit cards information PDF
2. NAB Rewards

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Amy Bradney-George

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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107 Responses

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

Finder

DebbieApril 4, 2016Finder

Hi Stephanie,

Thanks for your question.

You may refer to these pages for more information on how 0% balance transfer works and what does balance transfer limit means.

I hope this helps.

Cheers,
Debbie

CraigSeptember 9, 2015

Hello,

I will be travelling to the U.S next month and have a Cash Passport card, but would also like to use my NAB Mastercard (low fee card) overseas. If I put my NAB Mastercard in “cash positive” credit so i’m using my own money like a debit card, will that be better than putting all my money on the Cash Passport card which doesn’t seem to offer a very good daily exchange rate?

Thanks for any advice you can offer

Finder

SallySeptember 10, 2015Finder

Hi Craig,

Thank you for your question.

As a comparative service, we can’t actually recommend any one specific product, service or strategy to our users as the best option will always depend on your individual financial situation and needs.

You may like to consider and compare the currency conversion fees, overseas ATM withdrawal fees and other foreign transaction fees that come with using both cards to decide which one compliments your holiday spending habits better. When using the Cash Passport, your funds will remain locked into the exchange rate that was in place at the time of loading.

I hope this has helped answer your question.

Thanks,

Sally

MarianJune 4, 2015

Which NAB credit card allows the option of using reward points to be redeemed on purchases or be redeemed as frequent flyer points?

Finder

sally.mcmullen@hiveempire.comJune 5, 2015Finder

Hi Marian,

Thank you for your question.

You can view a list of the NAB Rewards Credit Cards and compare the NAB Rewards credit cards from each other and against other rewards credit cards in the market. If one seems of interest, you can then click the ‘Go to Site’ button for further information.

Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply for a card.

I hope this has answered your question.

Thanks,
Sally

JohnApril 15, 2015

NAB switched my Visa account to a Platinum car without my permission. I now pay higher annual fee and new merchant charges i did not have before. How do I get them to reverse this unapproved change?

Finder

JonathanApril 16, 2015Finder

Hi John, thanks for your inquiry!

Please refer to the contact details I have provided to your email for NAB.

Cheers,

Jonathan

michelleApril 13, 2015

Hi. I have the NAB Qantas Plus credit card. Comes with both AMEX and Visa, with an annual card fee of $145.50. (I’ve had it for a while so this product may not be on offer any more.) Do I earn rewards points when paying bills? Does it matter how bills are paid, ie. via Bpay or over phone, etc?

Finder

JonathanApril 13, 2015Finder

Hi Michelle, thanks for your inquiry!

Generally unless your bills can be paid via BPAY they count as cash advances and not purchases.

Cheers,

Jonathan

michelleApril 13, 2015

hi again. If bills are paid by BPAY, are they still considered a cash advance, or is it an “everyday purchase” which earns points?

Finder

JonathanApril 14, 2015Finder

Hi Michelle, thanks for your inquiry!

The type of payment which the BPAY transaction will vary depending on how the biller is set up with the BPAY billing service. The biller has the option of accepting a credit card of payment. If credit card payments are accepted then the bill payment will be processed as a purchase.

Cheers,

Jonathan

NAB Credit Cards

Compare NAB credit cards with balance transfer offers, rewards, low-cost features – and even a no interest option.