NAB Low Rate Platinum Card

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No longer offered in the market

The NAB Low Rate Platinum Card is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of NAB credit cards here.

How to apply

You can apply for the NAB Low Rate Platinum Card online in 15 minutes and should receive a response within 60 seconds. Make sure you meet the eligibility requirements and have the necessary documents and information before you get started.

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.
  • Credit history. You must have a good or excellent credit history to apply for this card.

Card benefits

  • 0% p.a. purchase offer. Apply for a new NAB Low Rate Platinum Card and take advantage of 0% p.a. interest on purchases for 15 months. This rate reverts to the standard purchase rate at the end of the introductory period. Minimum monthly repayments still apply during the introductory period but it's wise to pay more than this to repay the entire debt before the standard rate applies.
  • Complimentary travel insurance covers. The NAB Low Rate Platinum Card offers four types of complimentary travel insurance. This includes comprehensive overseas travel insurance and transit accident insurance for international travel, plus interstate flight inconvenience insurance and domestic hotel burglary insurance when you're travelling throughout Australia. The cover is issued by Allianz and is available when you make eligible travel purchases using your NAB Low Rate Platinum.

Rates & fees

  • Annual fee. This card charges an annual fee of $100.
  • Standard purchase interest rate. Outside of any promotions, the NAB Low Rate Platinum Card has a standard interest rate of 13.99% p.a. on purchases.

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  1. Default Gravatar
    September 11, 2019

    What is the minimum salary for this card

    • Avatarfinder Customer Care
      September 11, 2019

      Hi Janice,

      Thank you for getting in touch with Finder.

      This card did not include salary requirement. You may check out this page for credit cards that include minimum income requirement.

      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.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    August 30, 2019

    Would I be approved for this service with a credit score of 300

    • Avatarfinder Customer Care
      August 31, 2019

      Hi David,

      Thanks for your message. To apply for this NAB Low Rate Platinum Card, your score must be from good-excellent (625-800-1000). Note though that there are other eligibility requirements that a bank checks when applying for a credit card and some of which are your personal details and source of income.

      If your credit score is 300, this falls in the weak category and applying for a credit card may not be ideal at this time. Finding ways to improve your credit score may help your credit card application in the future.

      If you already have a credit card and you want to know how to repair your credit, please refer to this page. Otherwise, here is a page showing credit card options when you have bad credit. As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.


  3. Default Gravatar
    September 8, 2017

    Under the benefits listed for the NAB Low Rate Platinum Card, overseas travel insurance is included under the complimentary travel insurance. I am seeking more information into the overseas insurance, and whether this includes health insurance.


    • Default Gravatar
      September 9, 2017

      Hello Phil,

      The NAB Low Rate Platinum Card offers four types of complimentary travel insurance to help protect you when you travel overseas and domestically, issued by QBE. It includes comprehensive overseas travel insurance and transit accident insurance for international travel, plus interstate flight inconvenience insurance and domestic hotel burglary insurance when you’re travelling throughout Australia.

      You may also find this page helpful.

      If you need further assistance, please do not hesitate to reach out to us again.


  4. Default Gravatar
    May 26, 2017

    What are the income requirements for NAB Low Rate Platinum Card?

    • Avatarfinder Customer Care
      May 29, 2017

      Hi Kenneth,

      Thanks for your question.

      The income requirement for the NAB Low Rate Platinum Card is determined by NAB, so best to contact them directly to confirm. If you also like to know more the other minimum eligibility criteria of this card, you can find them listed above under ‘How to apply for the NAB Low Rate Platinum Card’ section or click on the ‘Go to site’ button so you can find more details of this card on NAB’s official page.

      Hope this information helped.


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