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NAB Business Card

Save with a low purchase interest rate, get up to 35 interest-free days and manage your business expenses under one account.

The NAB Business Card is a charge card that is suited to small to medium-sized businesses. It offers a low purchase interest rate and complimentary business liability insurance.

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15.5% p.a.

Purchase rate

$108 p.a.

Annual fee

35 days

Interest free period

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Product NameNAB Business Card
Balance transfer revert rateCash Advance Rate (15.5% p.a.)
Purchase rate p.a.15.5%
Annual fee$108
Interest-free periodUp to 35 days on purchases
Cash advance rate15.5% p.a.
Min credit limit$5,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes


  • 15.5% p.a. interest rate on purchases
  • 35 days interest-free on business purchases
  • Complimentary business liability insurance


  • This card has no promotional interest rates and rewards program which means there's no incentive for spending.
Bonus pointsN/A
Annual fee$108
Late payment fee$15
Foreign currency conversion fee3%
Overseas cash advance fee2% or $2.50, whichever is greater

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The NAB Business Card features benefits for organisations that want to manage expenses under one account. You can set individual credit limits for each additional card linked to the account, which could be useful if your employees have different spending needs.

How to apply

You can apply for the NAB Business Card online in 15 to 20 minutes and receive a response instantly. Make sure your business meets the eligibility criteria and that you have the necessary information to complete the application before you get started.

Eligibility criteria

  • Eligible business. You're a sole trader, a partnership with up to two partners, a company with up to five directors or a trustee of an eligible trust.
  • Annual turnover and ABN. You must have a registered with a valid ABN/ACN, GST and a turnover of at least $75,000 per year.

Card benefits

  • Interest-free days. If you pay your balance in full by the end of the statement period, you can enjoy up to 35 interest-free days on eligible business purchases. Interest-free days don't apply to cash advances, including ATM withdrawals and travellers' cheques.
  • Competitive interest rates. The NAB Business Card charges an interest rate of 15.5% p.a. on purchases and cash advances.

Rates & fees

  • Annual fee. You'll pay a $9 per card monthly fee (which totals to $108 p.a.) linked to the account.
  • Statements. Each month you'll receive a detailed statement for each cardholder, not just for the total account. This gives you the assurance that you can clearly see which of your employees are making what debits from your business account. This can also make business reporting much easier come tax time.

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