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NAB Low Fee Card

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Save on credit card costs with a low annual fee and an introductory 0% interest rate on balance transfers with the NAB Low Fee Card.

The NAB Low Fee Card offers affordability and modest perks, with a competitive annual fee of $30, up to 44 interest-free days on purchases and offers on shopping, dining, travel and entertainment through Visa Offers + Perks.

0% p.a.

Balance transfer rate

for 6 months with 2% balance transfer fee

19.74% p.a.

Purchase rate

$30 p.a.

Annual fee

44 days

Interest free period

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .


Product NameNAB Low Fee Card
Balance transfer rate0% p.a. for 6 months with 2% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.74% p.a.)
Balance transfer limit90% of available limit
Purchase rate19.74% p.a.
Annual fee$30
Interest-free period44 days
Cash advance rate21.74% p.a.
Min credit limit$1,000
Max credit limit$30,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes


  • A low annual fee of $30
  • 0% on balance transfers for the first 6 months
  • Additional cardholder at no extra cost


  • Offers 44 days interest-free on purchases, compared to other cards that offer up to 55
  • No rewards program which means there's no incentive for spending
  • A 2% fee applies to any balances transferred
Annual fee$30
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2% or $2.50, whichever is greater
Overseas ATM withdrawal fee$5
Additional cardholder fee$0
Number of additional cardholders1

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The NAB Low Fee Card cardholders can save with a low annual fee and 0% p.a. balance transfer offer. It’s one of the shortest interest-free balance transfer offers on the market, so make sure that you can repay your debt in full before the revert rate applies.

How to apply

You can apply for the NAB Low Fee card online in 25 minutes and get a response in 60 seconds. Before you start the application, check if you meet the eligibility requirements and have the necessary information ready:

Eligibility criteria

  • Residency. You can apply if you're an Australian citizen or permanent resident. If you are not a citizen or permanent resident, you will need to have an acceptable visa. Many visas are acceptable but the following are not: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal, and Bridging.
  • Eligible balance transfer debt. You must apply for the balance transfer at the time of application and you can transfer up to 90% of your available credit limit from non-NAB Australian credit cards.

Card benefits

  • Purchase protection insurance. NAB Purchase Protection Insurance provides complimentary cover for three months against theft, accidental damage or loss for personal retail goods purchased anywhere in the world. Exclusions, limits and terms and conditions apply.
  • Free additional card. You can request an additional cardholder to be linked to the account at no additional cost.

Rates & fees

  • Purchase interest rate. This card charges a 19.74% p.a. purchase interest rate.
  • Interest-free days. Receive up to 44 interest-free days on purchases when you pay your balance in full, or if your statement shows an interest free days amount, in full, by the statement due date.

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  1. Default Gravatar
    May 20, 2018

    I am looking for credit card balance transfer from BankSA. I have temporary Australian resident status so, May I eligibility for balance transfer ?

    • Avatarfinder Customer Care
      May 20, 2018

      Hi Dhiraj,

      Thanks for getting in touch with finder. I hope all is well for you. :)

      Yes, you can do a balance transfer from BankSA provided even if you are a temporary Australian resident provided that you meet the eligibility requirements of your chosen bank.

      On this page, you will find some of the banks that allow you to do a balance transfer. You will see a table on that page. Use it to compare Australian credit cards for temporary residents and do a balance transfer.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    June 28, 2017

    What is the purchase rate and does it apple when you are in the internet free periods eg 15 months interest free period?

    • Default Gravatar
      June 28, 2017

      ​Hi Pips,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      The ongoing purchase rate on this card is 19.74% p.a and yes it still applies. Also this card has a standard balance transfer rate of 0% p.a. for 6 months which reverts to the standard cash advance rate. The cash advance rate on this card is 21.74% p.a.

      I hope this helps.


  3. Default Gravatar
    January 22, 2017

    I only want a 6000$ limit

    • Avatarfinder Customer Care
      January 23, 2017

      Hi Trevor,

      Thanks for reaching out.

      If you wish to apply for NAB Low Fee Card, you can go ahead and click the ‘go to site’ button on our page. But please do read the eligibility criteria to apply beforehand.

      If you want to check out other low-interest rate credit cards, please refer to this page.


  4. Default Gravatar
    September 13, 2016


    Can i also use this card overseas or in other countries?



    • Avatarfinder Customer Care
      September 13, 2016

      Hi Marshel,

      Thanks for your question.

      Yes, you can use NAB Low Fee Card overseas where VISA is accepted. However, please note that it charges foreign currency conversion fee as well as overseas ATM balance check and withdrawal fees.


  5. Default Gravatar
    September 12, 2016

    When applying for the card , do I have to give my employers details

    • Avatarfinder Customer Care
      September 13, 2016

      Hi Matthew,

      Thanks for your question.

      When you apply for NAB Low Fee Card, one of the requirements is for you to provide the name, address and phone number of your employer.


  6. Default Gravatar
    August 5, 2016

    I want to apply this card with balance transfer request. If i use this money will that be interest free too?? Also it says 45 days interest free thing but not on cash advances. what does that mean??? Also this thing which is written with the card with one time 2%off on cash advances ..what does that mean??

    • Avatarfinder Customer Care
      August 7, 2016

      Hi Xyz,

      Thanks for your questions.

      44 days interest-free period
      For the NAB Low Fee Card, the 44 days interest-free period is not applied on cash advances, the same is true for all other credit cards. The 44 days interest-free period is applicable for purchases only. To receive interest-free days you must repay your account’s outstanding balance in full in the previous month. This feature will also not be in effect if the card still offers 0% interest on purchases.

      2% one-time balance transfer fee
      Meantime, the one-time 2% fee is for applied for the balance transfer not on cash advances. A credit card balance transfer is the process where you transfer the balance (any money you owe on your current credit card) to a new credit card with another credit card institution. Please note that you have to pay a fee for conducting the BT, that is a one-time 2% of the total balance transfer amount.

      Cash advance fee and interest
      So, if you will use NAB Low Fee Card to get a cash advance, you’ll be charged interest of 21.74% p.a. and a cash advance fee of 2% or $2.50, whichever is greater.

      I hope this has answered your questions.


    • Avatarfinder Customer Care
      August 26, 2016

      Hi Joan,

      Thank you for your question.

      Yes, you can get a cash advance from this NAB Low Fee Card through ATMs and/or over the counter. Please keep in mind though that you’ll be charged interest at the cash advance rate and incur the cash advance fee each time you make a cash advance.


  7. Default Gravatar
    February 24, 2015

    I am after a credit card with 0% purchase and 0% balance transfer rate. NAB seems to have the best credit card on offer but wanted to check to see if there was another card you could recommend?


    • Avatarfinder Customer Care
      February 25, 2015

      Hi Julie, thanks for your inquiry!

      Please note that we are only licensed to provide general advice regarding the products we display. Depending on the credit card usage needs the combination of interest rates and features will vary. Please see this page for more a list of Best Credit Cards. You can compare cards on attributes such as balance transfer rates, interest rate and annual fees.



  8. Default Gravatar
    August 25, 2014

    I’m overseas student (573 subclass)earning 34,000 p.a. Can I apply for this card. ?

    • Avatarfinder Customer Care
      August 27, 2014

      Hi Randeep,

      Thanks for your question.

      Unfortunately this card is not available for temporary residents. Please see this page for providers that may be able to help.


  9. Default Gravatar
    November 15, 2013

    Hi. I just applied for a credit card and I exceeded the attempts to put my verification number in and I have now received a new number, its 2418. Would you please be able to tell me if I have been approved or not. Thank you.

    • Avatarfinder Customer Care
      November 15, 2013

      Hi Cynthia.

      We would love to be able to help, but you will need to contact the card issuer directly for an answer to your question.

      You can find contact numbers on this page.

      Thanks for your question.

  10. Default Gravatar
    May 13, 2013

    i would like to know my credit card result

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