NAB Low Fee Platinum Card - Exclusive Offer
- 0% p.a. for 25 months
on balance transfers
Exclusive to finder.com.au
Offer ends 16 December 2018
Eligibility criteria, terms and conditions, fees and charges apply
Enjoy 0% p.a. interest on balance transfers for 25 months and pay no balance transfer fee with finder’s exclusive NAB Low Fee Platinum offer.
The NAB Low Fee Platinum card is designed to give you value through competitive rates, fees and platinum features. If you’re a new customer, you can enjoy 0% p.a. interest on balance transfers for the first 25 months with no balance transfer fee when you apply through finder.com.au by 16 December 2018 and request a balance transfer at the time of your application.
What are Finder Member Offers?
Finder Member OfferThese exclusive deals are only available to Finder Members. It's free to sign up, takes less than 30 seconds and offers extra perks like a free credit score.
| Product Name | NAB Low Fee Platinum Card - Exclusive Offer |
|---|---|
| Balance transfer rate (p.a.) | 0% p.a. for 25 months |
| Balance Transfer Revert Rate The interest rate after the balance transfer ends. | Cash Advance Rate (21.74% p.a.) |
| Balance Transfer Limit | 90% of available credit limit |
| Purchase rate (p.a.) | 19.74% p.a. |
| Offer end date | 16 December 2018 |
| Annual fee | $90 p.a. |
| Interest Free Period The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date. | Up to 44 days on purchases |
| Cash advance rate (p.a.) | 21.74% p.a. |
| Min credit limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $6,000 |
| Card Type | Visa |
| Foreign Currency Conversion Fee (VISA) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Complimentary Travel Insurance | Yes |
| Minimum Age | 18 years of age |
|---|---|
| Available To Temporary Residents | Yes - Conditions apply |
| Joint Application | No |
| Annual fee | $90 p.a. |
|---|---|
| Minimum Monthly Repayment | 2% or $25, whichever is greater |
| Late Payment Fee | $15 |
| Foreign Currency Conversion Fee (VISA) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Cash Advance Fee | 2% or $2.50, whichever is greater |
| Overseas Cash Advance Fee | 2% or $2.50, whichever is greater |
| Overseas ATM Withdrawal Fee | $5 |
| Gambling Transactions Allowed | Yes |
| Additional Cardholder Fee | $0 |
| Number of Additional Cardholders | 1 |
Pros
- Enjoy 0% p.a. interest on balance transfers for the first 25 months (with no balance transfer fee) when you apply through finder.com.au by 16 December 2018.
- This card comes with 7 complimentary insurances including overseas travel insurance.
- You can request for an additional cardholder at no extra cost.
Cons
- 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.
- This platinum card does not offer a rewards program.
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Features and benefits of the NAB Low Fee Platinum Card
Here are the benefits you can get with the NAB Low Fee Platinum Card:
- Exclusive long-term balance transfer offer. Save on interest charges with 0% p.a. on balance transfers for up to 25 months when you apply through finder.com.au by 16 December 2018 and request a balance transfer at the time of your application. At the end of the introductory period, any remaining balance from your transfer will attract the cash advance interest rate. Please note that minimum monthly repayments are still required. You can transfer up to 90% of your approved credit limit from Australian credit or store cards not issued by NAB. Please note that NAB may vary or end this offer at any time.
- No balance transfer fee. While some balance transfer cards charge a one-time fee worth 2-3% of the debt you transfer, this offer does not have a balance transfer fee.
- NAB Concierge Service. This 24/7 service, provided by Visa Worldwide, can help you with travel, lifestyle and entertainment services, including planning and booking tickets, making reservations at hotels and restaurants, and organising car and limousine rentals.
- Complimentary insurance covers. When you use this card to pay for at least $500 of your overseas transport, accommodation and/or land tour costs, you'll receive comprehensive overseas travel insurance for you and eligible family members travelling with you, issued by QBE. The NAB Low Fee Platinum also offers complimentary interstate flight inconvenience insurance, transport accident insurance, domestic hotel burglary insurance, purchase protection insurance, extended warranty insurance and price protection insurance.
- Visa benefits. With Visa Front Line Access, you can reserve pre-sale tickets for some of the biggest sporting events and concerts in Australia. If you need emergency assistance when travelling, you can contact Visa Global Customer Assistance Services. Verified by Visa also ensures that you have a safe online shopping experience.
- Mobile payments. NAB credit cards are compatible with Google Pay through the NAB app and NAB Pay, so you can tap your Android phone against a contactless terminal for purchases under $100. You can also link your NAB credit card with Samsung Pay to make contactless payments using your qualifying Samsung device at the checkout. If you have an iPhone or any phone that isn't compatible with NAB Pay, you have the option to order a PayTag to stick to your phone.
Rates and fees for the NAB Low Fee Platinum Card
Here are the costs you need to look at when you compare the NAB Low Fee Platinum Card:
- Annual fee. This card charges an annual fee of $90 p.a.
- Purchase rate. This card has a standard variable interest rate of 19.74% p.a. for purchases.
- Interest-free days. This card offers up to 44 days interest-free on purchases when you pay your balance in full by the due date on each statement. Please note that interest-free days do not apply when you carry a balance transfer debt.
- Cash advance rate. If you use the NAB Low Fee Platinum Card to get cash out or for any other cash advance transaction, a variable interest rate of 21.74% p.a. will apply to the balance.
- Currency conversion rate. Transactions made in foreign currencies will attract a fee worth 3% of the amount after it's converted to Australian dollars.
- Additional cardholder. This card lets you request 1 additional cardholder at no extra cost. Note that additional cardholders must be at least 16 years of age and you'll still be responsible for managing the account.
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How to apply for the NAB Low Fee Platinum Card
It takes around 15 minutes to apply for the NAB Low Fee Platinum online, and you could get a response within 60 seconds of submitting your completed application. To get started, make sure you meet the following eligibility criteria and have all the details and documents you'll need ready. Then, just click the "Go to site" button and you'll be taken to a secure application page.
Eligibility criteria
- How old are you? You must be at least 18 years of age to apply for this card.
- What is your Australian residency status? You can apply for this card if you are an Australian citizen, permanent resident or temporary resident. If you are not a citizen or permanent resident, you will need to provide the last overseas address you lived in, along with other details of your residency status in Australia.
Information and documents you need
- Personal information. This includes your full name, contact details, date of birth, driver's licence number, passport number or Medicare card number.
- Employment details. This includes your current role and salary as well as the name of your employer and their contact details.
- Financial details. As well as your salary, you’ll need to share information about any other income or assets you have, such as investments and savings. You also need to share details of any existing loans or credit cards and estimate your monthly spending.
- Balance transfer information. If you want to enjoy 0% p.a. interest on balance transfers for 25 months, you’ll need to provide details of the debts you want to move to your new NAB Low Fee Platinum Card.
If you're looking for a low-cost credit card with the ability to save money on interest from your existing debt, compare this NAB Low Fee Platinum Card offer to others so you can find a card that suits your needs.
Back to topNote: The user comments below relate to a previous NAB promotional offer. You should confirm any information with the product or service provider and read the information they can provide.
If my score is only about 340 but I have no defaults or bad history how can I raise it ? And wat if I was unemployed but still afford to never miss a payment who or wat offers are there that I can get to allow me to raise my credit score?
Hi beaucasey24@gmail.com,
Thank you for reaching out to finder.
We have great guides that could help you repair your credit. Please see the guides below:
Complete guide to credit repair
Secrets to fast credit repair
DIY Credit Repair Guide
Hope these help!
Cheers,
Reggie
Does NAB usually contact employers on application? I don’t want my employer being bothered with calls.
Hi Dan,
Thank you for reaching finder.
Yes, NAB may contact your employer regrading your application with them to verify your status with your employer. You may need to contact NAB directly to confirm this. Hope this helps!
Cheers,
Reggie
Is an aged pensioner eligible to apply who has records of regular payments to other credit card?
Hi Janet,
Thanks for reaching out to finder.
Yes, you can apply for NAB Low Fee Platinum Card however, your application still needs to be reviewed and will be subject for approval.
To take advantage of finder’s exclusive offer, simply click on “Go to NAB’s website” or “Go to site” button so you will be redirected to NAB’s website where you can proceed with your online application. Please note that as part of the application process, you will be asked for your financial information which includes your employment, income, expenses and assets. NAB may also ask you to submit a copy of your payslips or bank statements.
Before applying, please read all relevant documents such as the terms and conditions to see if it best suits your needs.
I hope this helps.
Cheers,
Charisse
Hey,
I had this NAB card a few months ago which I fully paid off and then cancelled. Do you know if NAB will consider me a new customer, or do they not like past customers who close off accounts?
Hi Eric,
Thank you for getting in touch with finder.
As long as you haven’t had this NAB Low Fee Platinum Card, you’re then considered as a new customer for this NAB Low Fee Platinum Card. This card’s important information part of the application page and the T&Cs didn’t include that existing or cardholders who have recently cancelled their NAB credit cards are not eligible for the NAB Low Fee Platinum Card.
You may also contact NAB directly about applying for this NAB Low Fee Platinum Card to double check and for further assistance.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
Hi,
I get a maintenance page on NAB’s website when I try to apply. Is the offer over?
Thanks
Hi Ken,
Thank you for leaving a question.
Though NAB has not provided a deadline for this offer, you may need to contact NAB directly to check if this offer is still available to has already been removed. Hope this helps!
Cheers,
Reggie
Hi,
Is it possible to get the exclusive offer if you are not currently a customer of NAB, but have had an account with them sometime in the past?
Hi Hedan,
Thank you for getting in touch with finder.
If you don’t have this NAB Low Fee Platinum Card, you may apply for this card as this exclusive offer is basically for new NAB Low Fee Platinum credit card applicants. If you have forgotten your NAB account details, that’s absolutely fine specially that it’s a closed account.
Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS or T&Cs of the card before making a decision and consider whether the product is right for you.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
I have a home loan of 80000 and want to pay off very fast. Can I pay with my other card and then transfer card balance to you and pay off with no interest over next 12 months?
Hello Graham,
Thank you for your comment.
To pay your mortgage with your credit card, you may consider third-party bill pay services. Most of the mortgage companies do not accept payments through credit cards so you may verify with your lender if they allow this. Yes, you can pay your home loan using your card and do a balance transfer to the NAB Low Fee Platinum Card to save with the interest rate.
Please do note that the balance that can be transferred should be not more than 90% of the available credit limit. Before you submit an application, please ensure that you have met the eligibility criteria and requirements set by the issuer.
Alternatively, you can also compare other balance transfer credit cards here with 0% BT rate.
Please make sure though to read the eligibility criteria, 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.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
If I get this credit card for whatever credit limit amount, then it’s possible to transfer money to a debit card (another bank) and then I can use that money without interest for 24 months?
Hello Navdeep,
Thank you for your comment.
If in case you are approved for the NAB Low Fee Platinum Card, you can transfer your balance from the other cards (which is 80% to 90% of the approved credit limit) without incurring an interest for 25 months. If you are referring to transferring an amount from your NAB Low Fee Platinum Card to your other debit card from other banks, you may incur an interest under Cash Advance.
Please see this page to guide you on how balance transfer works.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
Hi,
I have already one NAB credit card on which I did balance transfer 6 months back. Can I apply for another one through this offer to consolidate my debts from non Nab bank cards
Hi LTR,
Thank you for leaving a question.
This exclusive offer is only available to first time applicants for the NAB Low Fee Platinum card. You may need to contact NAB’s customer service team to check on current offers for existing customers. Hope this helps!
Cheers,
Reggie
Does my wifes income count as other sources of income/ savings etc when applying for a cc transfer ?
Hi Dave,
Thanks for your inquiry and for visiting us today.
When applying for a credit card, the source of income should be under your name and not under your wife’ one.
Hope this clarifies! Feel free to reach out again, we’re on standby.
Regards,
Nikki