In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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NAB Low Fee Platinum Card

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NAB Low Fee Platinum Card
Terms and conditions apply
Balance transfer rate for 12 months with 3% balance transfer fee
0% p.a.
Purchase rate
19.74% p.a.
Annual fee
$90 p.a.
Interest-free on purchases
Up to 44 days

Our verdict

Offers some key platinum features and 0% p.a. on balance transfers for the first 12 months, with a 3% balance transfer fee.

The NAB Low Fee Platinum card currently has an interest-free balance transfer offer for the first 12 months, which means it is suited to smaller debts you could clear within a year. This offer also has a one-time 3% balance transfer fee and $90 annual fee that you’ll also need to factor into your costs.


  • Enjoy 0% p.a. on balance transfers for the first 12 months.
  • This card comes with complimentary insurances including purchase protection and extended warranty insurance
  • You can request an additional cardholder at no extra cost.


  • There is an interest-free period of only up to 44 days on purchases as compared to other cards that offer up to 55 days interest-free.
  • There is no incentive for spending with this card as it has no rewards program.
  • For balance transfers, a one-time 3% balance transfer fee applies.

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

The NAB Low Fee Platinum has a $90 annual fee and offers 5 types of complimentary insurance – including international travel insurance. It also has a concierge service and Visa Premium Access offers. Right now, you can get a 0% p.a. interest rate on balance transfers for the first 12 months, with a one-time 3% balance transfer fee. But keep in mind that any remaining balance transfer debt at the end of the introductory period will attract the card's variable cash advance rate (currently 21.74% p.a.).


Product details

Product Name NAB Low Fee Platinum Card
Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.74%
Balance transfer limit 90% of available limit
Purchase rate p.a. 19.74%
Interest-free period Up to 44 days on purchases
Cash advance rate p.a. 21.74%
Min credit limit $6,000
Max credit limit $30,000
Card type Visa


Available to temporary residents Yes - Conditions apply
Joint application No


Bonus points N/A


Annual fee $90
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3% or $3, whichever is greater
Overseas ATM withdrawal fee $5
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the NAB Low Fee Platinum Card online in 15 minutes and get a response in 60 seconds. Before you apply, make sure you meet the eligibility requirements and have the necessary documents and details you'll need for the online application.

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. NAB allows you to transfer up to 90% of your approved credit limit from non-NAB accounts.

Card benefits

  • Balance transfer offer. Receive a 0% p.a. interest rate on balance transfers for the first 12 months. A one-time 3% balance transfer fee applies and you will still need to make minimum payments by the due date listed on each statement. Any remaining balance at the end of the promotional period will attract the variable cash advance interest rate.
  • Complimentary insurances. You can access a range of complimentary insurance options when you use this card on eligible purchases, including domestic travel insurance, purchase protection insurance and extended warranty insurance. There are different conditions for each type of cover so check the NAB Card Insurance Policy Information Booklet for full details.

Rates & fees

  • Annual fee. This card charges an annual fee of $90 p.a.
  • Purchase interest rate. This card charges a variable interest rate of 19.74% p.a. on purchases.

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Sally Finder


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September 10, 2019


My wife and I received the full age pension income plus some shares dividends and bank interest. My taxable income is around $23k. Will I be eligible for applying credit card with travel insurance?

Thank you kindly.


Jeni Finder

September 11, 2019

Hi Stan,

Thank you for getting in touch with Finder.

You may apply for this card if you meet the eligibility criteria above. If you do, simply head to NAB’s official website to apply. Please make sure to read the features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

You may also refer to our list of credit cards for pensioners and retirees to compare your option. When you are ready, press the ‘Go to site’ button of your preferred card to apply.

I hope this helps.

Thank you and have a wonderful day!



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September 24, 2018

I am confused which credit card of nab I should apply for.

I would like to have a credit with a limit of 20k.

I don’t use a lot of my credit.and if I use I don’t normally spend more than 200 per month.

so I do prefer a low annual fee.

Can you please help me to find the best.

thank you

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Joshua Finder

September 26, 2018

Hi Mary,

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

Normally, it is the bank that will determine your credit limit based on how they assess your financial status. For low annual fee credit cards from NAB, most of them will not give you starting credit limit of 20,000AUD. Not only that, but the maximum credit limit for NAB credit cards are usually not specified on their website. Thankfully, during your card application, you have the option to apply for a higher credit limit available for your card. It is up for NAB then to approve your request or not.

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

Have a wonderful day!



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August 07, 2018

I would like to apply for credit cards with a limit of 6000 but I am on a Bridging visa A(subclass 010). Please consider my question and reply on it. Thank you


Jhezelyn Finder

August 10, 2018

Hello Meena,

Thank you for your comment.

Generally, there are just some Australian banks offering credit cards to temporary residents. The page does not specifically state that the listed cards are for those on a bridging visa however you can definitely inquire to the providers listed your eligibility to apply. The limit will depend on how the provider assesses your financial status and other factors.

Please note that application requirements must be met as a temporary resident and these differ between different banks and providers. I hope this helps.

Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.



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September 01, 2017

When you sign on for the Credit card in one person’s name and then purchase over $500 for Travel does the Insurance cover both persons i.e. husband and wife travelling together of whom tickets were purchased for at the same time? OR, is the insurance only extended to the Card holder and the partner is not covered?

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Jhezelyn Andoy Finder

September 01, 2017

Hi RH,

Thanks for your comment.

Most policies also extend coverage to your partner and children when they travel with you. The key is to make sure you know who and what is covered by the policy and that you all meet the requirements for coverage, just as you would with a bought policy.

While credit card complimentary insurance policies vary between issuers, they are underwritten by the same major insurance companies. Here, we’ll look at the two main providers and the credit card policies they underwrite to help you understand how and when your family will be eligible for cover.

Best to contact NAB directly to check further.



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July 11, 2017

Does the complimentary travel insurance cover the cost of the rental car excess fee in the event of a claim in France?



July 12, 2017

Hi Ian,

Thanks for your inquiry.

It doesn’t. When you use this card to make travel reservations in excess of $500, you’ll receive overseas travel insurance. This offer covers up to $20,000 of medical expenses, travel cancellation, missed connections, collision damage, personal liability, accidental disability or death and other scenarios. Other complimentary covers include interstate flight inconvenience insurance, transport accident insurance, domestic hotel burglary insurance, purchase protection insurance, extended warranty insurance, and price protection insurance.

Hope this information helped.



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