Managing your NAB credit card

Whether you want to activate your card, pay a bill or close your account, here are some tips for managing your NAB credit card.

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If you have a NAB credit card, you will have access to many different account features and services that can help you manage it. Not sure where to start? Here we go through some key details – including how to pay your NAB credit card from another bank through BPAY and how to update your account details.

How to activate my NAB credit card

When you receive your new card, log in to the NAB app or Internet banking account and select "My cards". Select your new card and click "Activate". You can then follow the prompts to activate your card and confirm your PIN.

How to pay my NAB credit card

When you get your NAB credit card bill, you can choose from any of the payment options listed on the statement. This includes BPAY payments from your bank account, as well as payment through the NAB app, and phone or Internet banking if you want to pay from a NAB transaction account.


If you're paying from a non-NAB account, you can also use BPAY to pay a NAB credit card bill. You'll need the NAB BPAY biller code 1008 and your credit card number for the customer reference number to complete the payment.

Once you have these details, you can log in to your transaction account, select the BPAY option and enter the biller details, along with the amount you would like to pay off the card. BPAY payments can take two business days to be credited. This means you should make a payment at least two days before the due date listed on your NAB credit card statement.


If you have a NAB transaction account, you can pay off your credit card through the NAB app using the following steps:

  1. Log in to your NAB app.
  2. Select the credit card you want to pay.
  3. Click on the red "Pay" button at the top of the screen and then click "To your card".
  4. Select the transaction account you want to use you pay the bill.
  5. You'll then be asked to confirm your preferred payment amount, including the minimum requirement, current balance, statement closing balance or another amount.
  6. Click "Next", confirm the details and select "Pay now" to complete the payment.

Internet banking

If you have a NAB transaction account, you can also make payments to your NAB credit card through Internet banking using the following steps:

  1. Log in to your NAB Internet banking account.
  2. Choose the transaction account you want to make the payment from, then select "Transfer funds".
  3. Select the NAB credit card account you want to pay off.
  4. Enter the amount you want to pay and a description, then click "Next" to confirm the details.

Telephone banking

You can pay your bill over the phone 24/7 by contacting NAB on 13 22 66.

Direct debit

You also have the option of setting up automatic repayments through a direct debit service. With this type of repayment, a chosen amount will be paid off your credit card at the same time each month – so you don't have to worry about making a payment before the due date on your card's statement.

You can set up direct debits from a NAB account via the app or Internet banking, using the steps below.

Steps to set up direct debit credit card payments using NAB app

  1. Log in to the NAB app.
  2. Click "My cards" and select your credit card.
  3. Scroll down to "Payment due information".
  4. Select "Manage automatic payment".
  5. Follow the prompts and fill out the form.

Steps to set up direct debit credit card payments using NAB Internet Banking

  1. Log in to NAB Internet Banking from your computer.
  2. Open "Accounts" and click "Account details".
  3. Click on your credit card.
  4. Select "Create" or modify "Direct Debit".
  5. Follow the prompts and complete the form.

How to set up direct debit payments from another bank account

If you want to set up direct debits from a transaction account with another bank, visit the NAB website to get a copy of the direct debit request form that you can print, complete and send back to the bank. Alternatively, call NAB on 13 22 65 and ask for help setting up this option.

Other payment options

You can also visit a NAB branch to pay your bill or send your payment by sending a cheque in the mail. See your credit card statement for the instructions to pay by post.

Change my credit limit

You can request to increase or limit your credit card limit through the NAB app or internet banking by selecting 'My cards' in the menu, choosing your card and then clicking on 'Change credit limit'. You can also request to change your credit limit when you visit a NAB branch or over the phone on 13 22 65 from Monday to Friday between 8am and 7pm. Check out Finder's guide to changing your credit card limit for more tips.

Report an issue

If you're worried that your card has been used to make fraudulent transactions or need to request a replacement card, you can take the following steps:

Unauthorised transaction

If you spot a suspicious or unknown transaction on your account, contact NAB immediately on 13 22 65 between 8am and 7pm from Monday to Friday or between 9am and 6pm on weekends.

A lost, stolen or damaged card

If your card is lost, damaged or stolen, you can contact 1800 033 103 or + 61 3 8641 9121 if you're overseas 24/7 to freeze your account so that no one else can use it and request a replacement card.

Add an additional cardholder

NAB customers can take the following steps to request an additional cardholder online:

  1. Log in to the NAB app or your internet banking account and click 'My cards'.
  2. Choose your card.
  3. Scroll down to 'Manage my card' and select 'Add an additional cardholder'.
  4. You can also download, complete and return the additional cardholder request form to a NAB branch, emailing it to or in the post.

The additional cardholder must be at least 16 years old. If they're not already a NAB customer, the additional cardholder will need to visit a branch to provide identification.

Update your information

You can change your email address, contact numbers, address and occupation online. Through the NAB app or internet banking, you can update your details when you select "My details". You can then click the details you'd like to change, follow the prompts to update the information and save it to your account.

How to cancel a NAB credit card

You can close your NAB credit card account via internet banking account in 5 steps:

  1. Login to your NAB internet banking account on a desktop computer.
  2. Go to "My Cards".
  3. Select the image of the card you'd like to close.
  4. Under "Manage my card", you can select on "how to close my credit card account".
  5. Read the information provided and follow the instructions to send us a secure message.

You can also cancel your credit card in a branch or by contacting NAB on 13 22 65.

Before you close your account, make sure that you've paid off your balance, organised direct debits to be paid with another card and spent or transferred any NAB Rewards.

You can still access NAB internet banking for 3 to 6 months after your balance is paid and your account is closed. This will come in handy if you want to check your recent transaction and payment history.

Compare and apply for a new NAB credit card

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, a reduced first year annual fee.
NAB Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months with 2% balance transfer fee
Get a 0% p.a. interest rate for 20 months on balance transfers, Visa Offers + Perks and a competitive $59 ongoing annual fee.
NAB Qantas Business Signature Card
18.5% 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 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
19.74% p.a.
0% p.a. for 6 months with 2% balance transfer fee
Receive complimentary purchase protection insurance and 0% p.a. for 6 months on balance transfers.
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
19.74% p.a.
0% p.a. for 6 months with 2% balance transfer fee
Offers 7 complimentary insurance covers and 0% p.a. for 6 months on balance transfers for a $90 p.a. annual fee.
NAB Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
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
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
Collect 60,000 bonus points when you spend $1,000 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
NAB Qantas Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
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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4 Responses

    Default Gravatar
    AlexJune 27, 2013

    Hi guys,

    I have a NAB purchasing card through my work on which I have made a charge that my employer will not cover.

    I now need to make a Bpay payment and credit my P-card and I don’t know how to do this.

    Please advise the Bpay biller code and the ref # (possibly the #’s on the card itself) required to complete thi payment.



      Avatarfinder Customer Care
      JacobJune 27, 2013Staff

      Hi Al. According to the NAB website, when you make a card repayment: ‘the biller code to use is 1008 and your customer reference number is your complete credit card number’. Thanks for your question. Jacob.

    Default Gravatar
    MichaelApril 29, 2012

    I recently payed a company over the phone with my credit card. since then they have being taken out money, I have not given them permission to do so. This seems to be fraud, who do I contact as the company that has taken the money does not seem to care

      Avatarfinder Customer Care
      JeremyMay 18, 2012Staff


      Please contact your card issuer to dispute the transaction. If it can be proved that your are not liable for the transactions you will be covered under your bank’s and the EFT code of practice. Please refer to our guide on credit card fraud for further information – – Cheers.


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