NAB Premium Card – Exclusive Offer

NAB Premium Card - Exclusive Offer Find out more Go to site

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  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
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Enjoy 0% p.a. interest on balance transfers for 24 months and pay no balance transfer fee with this exclusive NAB Premium credit card offer.

The NAB Premium Card is designed to give you value through competitive rates, fees and platinum features, including a concierge service and seven complimentary insurances. If you’re a new customer, you can enjoy 0% p.a. interest on balance transfers for 24 months with no balance transfer fee when you apply for the NAB Premium Card through finder.com.au by 12 November 2017 and request a balance transfer at the time of your application.

This offer is exclusive to finder.com.au

It’s part of our ongoing mission to find you a better deal as we continuously seek to provide you with the most competitive offers. Our exclusive offers are unique to the market and are only available if you apply online through finder.com.au

Product NameNAB Premium Card - Exclusive Offer
Balance transfer rate (p.a.)0% p.a. for 24 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (21.74% p.a.)
Balance Transfer Limit90% of available credit limit
Purchase rate (p.a.)19.74% p.a.
Offer end date12 November 2017
Annual fee$90 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
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 TypeVisa
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
Complimentary Travel InsuranceYes
Available To Temporary ResidentsYes
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsYes
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Annual Fee$90 p.a.
Late Payment Fee$15
Over Limit Fee$0
Cash Advance Fee2% or $2.50, whichever is greater
Overseas Cash Advance Fee2% or $2.50, whichever is greater
Overseas Emergency Replacement$100
Overseas ATM Balance check$1
Overseas ATM Withdrawal Fee$5
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
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Enjoy 0% p.a. on balance transfers for the first 24 months if you apply through finder.com.au by 12 November 2017 (with no BT fee).
  • This card comes with 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.
  • There is no incentive for spending with this card as it has no rewards program.

Review of the NAB Premium Card

As well as giving you a way to save on existing card debt for up to two years through the exclusive balance transfer promotion, the NAB Premium Card offers a competitive annual fee of $90. This is one of the lowest fees for a platinum card, particularly one that includes complimentary overseas travel insurance.

Along with comprehensive coverage for international trips, you’ll get complimentary transit accident insurance, domestic hotel burglary insurance and interstate flight inconvenience insurance. You can also enjoy purchase protection insurance, extended warranty insurance and price protection insurance to help you make the most of items you buy with the NAB Premium Card. While this card doesn’t offer any rewards, the insurance covers and concierge service make it a competitive option if you want low-cost access to credit card perks.

Features and benefits of the NAB Premium Card

Here are the benefits you can enjoy with the NAB Premium Card.

  • Exclusive long-term balance transfer offer. Enjoy 0% p.a. interest on balance transfers for 24 months when you apply for the NAB Premium Card through finder.com.au 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. This offer ends on 12 November 2017.
  • No balance transfer fee. While some balance transfer cards charge a one-time fee worth 2-3% of the debt you transfer, this promotion does not charge 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 insurances. When you use this card to pay for at least $500 of your 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 Premium also offers complimentary insurance covers for interstate flight inconvenience insurance, transport accident insurance, domestic hotel burglary insurance, purchase protection insurance, extended warranty insurance and price protection insurance.
  • VIP Lost Card Cover. This Secure Sentinel service offers you 24/7 support if your belongings and wallet are lost. It keeps a confidential list of any cards that you'd want to cancel if you lost them. In the event that you lose any of the cards, Secure Sentinel will contact the card issuer(s) on your behalf to cancel the cards and help you order the replacements. You'll also receive Australian passport and embassy assistance and a temporary mobile block if your phone is stolen.
  • 24/7 NAB Service Centre. Got a question about your card? The NAB Service Centre team are available to chat at any time day or night.
  • 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.

Rates and fees for the NAB Premium Card

Here are the costs you need to look at when you compare the NAB Premium Card:

  • Annual fee. This card has an annual fee of $90 p.a.
  • Purchase rate. The NAB Premium 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 Premium 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. The cash advance rate also applies to any balance transfer debt remaining at the end of the balance transfer promotional period.
  • Cash advance fee. This card charges a fee of 2% or $2.50, whichever is greater, for every cash advance transaction you make.
  • Late payment fee. A fee of $15 applies if you don’t pay at least the minimum owed by the due date on your statement. This is the case even when you have a promotional 0% interest rate.
  • Minimum credit limit. The NAB Premium Card has a minimum credit limit of $6,000.
  • Currency conversion rate. Transactions made in foreign currencies will attract a fee of 3% of the amount.
  • Additional cardholder. This card lets you request 1 additional cardholder at no extra cost.

How to apply for the NAB Premium Card with 0% p.a. on balance transfers for 24 months

If you want to get 0% p.a. on balance transfers for 24 months with the NAB Premium Card, just click on the “Go to Site” button and you’ll be taken to a secure application form. This takes about 15 minutes to complete. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need so that you can make this process as easy as possible.

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 the NAB Premium 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.

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 24 months, you’ll need to provide details of the debts you want to move to your new NAB Premium Card. Please note that you can only transfer debts from cards that have not been issued by NAB.

If you're looking to repay your debt or make purchases without incurring interest, this card could be of interest to you. As this isn't the only card of its kind on the market, you'll need to compare a few cards to ensure you've found the right one for you.

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77 Responses

  1. Default Gravatar
    KIKIOctober 16, 2017

    With Regard to the NAB credit card “exclusive” 24 month interest free – the fine print is confusing. Saying it will revert to the cash rate after 6 months. Is that becuase its showing their standard terms and conditions?

    • Staff
      ArnoldOctober 16, 2017Staff

      Hi Kiki,

      Thanks for your inquiry

      Yes, you are correct. The revert rate after 6 months refers to the Standard Nab Rate. This offer is an exclusive offer from Finder. Applying through finder will ensure you will get this special rate. Please click the green ‘Go to Site’ button above to take advantage of this exclusive offer.

      Hope this information helps

      Cheers,
      Arnold

  2. Default Gravatar
    JosephineOctober 15, 2017

    I would like to get an interest free credit card to pay a loan ($5,000) i have with best loans. Which is the best card?

    Thanks

    • Staff
      GruOctober 15, 2017Staff

      Hello Josephine,

      Thank you for reaching out to us.
      As a friendly reminder, finder is a comparison website and general information service. While we do not represent any of the companies featured on our pages, we can provide you with general advice and guide you in making an informed decision on what would be best for you in terms of your needs.

      This page on transferring a personal loan balance to a credit card might shed light on which card would be best for you.

      Hope this helps.

      Cheers,
      Gru

  3. Default Gravatar
    DennisOctober 15, 2017

    Hi
    I applied for Citibank credit card and got the approval but haven’t availed the product yet. When I saw the offer of 0% p.a. interest on balance transfers for 24 months and pay no balance transfer fee with this exclusive NAB Premium credit card offer. I want to cancel my Citibank and apply for NAB. will that be possible? will it affect my credit line? Thank you.

    Dennis

    • Staff
      ArnoldOctober 16, 2017Staff

      Hi Dennis,

      Thanks for your inquiry

      It wouldn’t affect that much on your credit file since you have been approved, applying for a credit card and getting disapproved will definitely affect your credit rating. You can proceed to apply for the NAB exclusive offer by clicking the ‘Go to site’ button on the upper right part of the page above.

      Hope this information helps

      Cheers,
      Arnold

  4. Default Gravatar
    October 12, 2017

    I would like to Transfer 2x creditcard debits in full to a BT. 1st amount $1,000 & 2nd $10,000. Please advise how can I do this OR will I need to do it with 2x BT companies ???

    • Staff
      JudithOctober 13, 2017Staff

      Hi Chrissie,

      Thanks for contacting finder, a comparison website and a general information service.

      Most of the credit card providers are allowing balance transfers from multiple credit cards, though the total transfer must not exceed the balance transfer limit. In most cases, lenders will only let you transfer a percentage of the credit limit (between 70% and 100%). For example if you are approved for a credit limit of $5,000 and the maximum balance transfer limit is 85% of the credit limit, then the bank will allow you to use $4,250 for balance transfers.

      You may also check this page for further information about it.

      I hope this helps.
      Best regards,
      Judith

  5. Default Gravatar
    chrissieOctober 3, 2017

    I am a permanent resident and hold a NZ Passport and pay Tax here. To apply for a balance transfer the doc required is Australian passport, is a NZ Passport accepted for the balance Transfer?

    Chrissie

    • Staff
      JonathanOctober 3, 2017Staff

      Hello Chrissie,

      Thank you for your inquiry.

      You can still apply even though you’re not a permanent resident. If you are a US citizen or a tax resident of a country outside Australia, you must advise NAB within the next 30 days after completing this application by calling them.

      It is worth reminding that the exclusive offer for NAB Premium has ended on 1st of Oct. 2017. Should you consider other cards, you may take a look at this page.

      Hope this helps.

      Cheers,
      Jonathan

  6. Default Gravatar
    chrissieOctober 2, 2017

    If I do a Balance Transfer from 2x different Credit cards ,( Consolidate $800 + $10,000= $10,800.00)
    can I close 1 x Credit card account and leave the other Credit card open.
    I want to pay of my debt on the balance transfer , being 24mth@ % , then close it .
    What would you recommend.
    Chrissie

    • Staff
      GruOctober 3, 2017Staff

      Hello Chrissie,

      Thank you for reaching out to us for your query.

      To answer your question, yes, you would be able to consolidate several cards into one that you will newly open to avail of a balance transfer offer. It is now all up to you if you will decide to keep your other cards, or keep one.

      As finder is a comparison website and we do not represent any of the companies featured on our pages, I can only offer you general advice.
      Hope this helps.

      Cheers,
      Gru

  7. Default Gravatar
    ASeptember 30, 2017

    I am hoping to transfer from a Citibank product called ‘ready credit’ – is this possible please?

    • Staff
      LiezlSeptember 30, 2017Staff

      Hi A,

      Thanks for your question.

      With NAB Premium card you can only balance transfer from non-NAB credit card or store card accounts issued in Australia. Citi Ready Credit, on the other hand, is a line credit hence you won’t be able to transfer your LOC balance to this credit card.

      You may want to check this page for credit cards that accept balance transfers from personal loans.

      Cheers,
      Liezl

  8. Default Gravatar
    chrissieSeptember 25, 2017

    what does credit limit on Balance transfer info

    • Staff
      JudithSeptember 26, 2017Staff

      Hi Chrissie,

      Thanks for contacting finder, an comparison website and general information service.

      If approved for the card, your credit limit will be determined by the bank based on your income and credit history.

      Although you can request a specific credit limit at the time of application, please note that a minimum credit limit applies when you are requesting for it. For the NAB Premium Card – Exclusive Offer that you just viewed here in finder, the minimum credit limit that you can request is $6,000. You may also refer to the product details table to view the minimum credit limit for the said card.

      I hope this helps.

      Regards,
      Judith

  9. Default Gravatar
    DeepakSeptember 25, 2017

    hi just wondering if balance transfer to personal loan?

    • Staff
      MariaSeptember 25, 2017Staff

      Hey Deepak,

      Thank you for reaching out to us.

      Based on your comment, you might be asking if it’s possible to balance transfer a personal loan to the NAB Premium Card.
      As of this writing, it does not allow it. However, you may find banks on this page that allow you tobalance transfer a personal loan to a credit card.

      You may also find useful information on this page on Debt Consolidation.

      I hope this helps.

      Best,
      Maria

  10. Default Gravatar
    PartheeSeptember 21, 2017

    already have a NAB card. Can I apply another one?

    • Staff
      ArnoldSeptember 22, 2017Staff

      Hi Parthee,

      Thanks for your inquiry

      I’m afraid not since you are already a NAB cardholder, NAB to NAB card transfer is NOT possible. You can apply for the card as your 2nd NAB card, but you can’t get the offer. So all fees will apply.

      Hope this information helps

      Cheers,
      Arnold

Credit Cards Comparison

Rates last updated October 17th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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