NAB is a leading member of Australia's Big Four banks and provides a comprehensive range of credit cards designed to meet nearly all needs.
Its offerings encompass cards with balance transfer deals, rewards or frequent flyer points, competitive rates, minimal fees, and options for businesses.
Types of NAB credit cards
NAB offers a diverse range of credit cards tailored to different customer needs. Some of the common types of NAB credit cards include:
- Low interest rate credit cards: Ideal for those looking to minimise annual fees and charges.
- Rewards credit cards: These are suited for individuals interested in earning rewards points on their purchases.
- Frequent flyer credit cards: Designed for frequent travellers who want to earn airline miles or points.
- Platinum credit cards: Offering additional perks such as complimentary insurance, concierge services, and more.
NAB also issues or own the following credit cards.
- Citi credit cards: NAB acquired Citi's Australian credit card business in 2022.
- Coles credit cards: These cards offer rewards points that can be redeemed at Coles supermarkets and other related benefits.
- Qantas Money credit cards: These cards are designed for customers who want to earn Qantas Points on their everyday spending. NAB's role as the issuer means it manages the credit card services while cardholders enjoy benefits related to earning Qantas Points or flights, upgrades, and more.
- Kogan Money credit cards: These cards offer rewards, cashback on purchases made on Kogan.com, and other exclusive benefits to Kogan shoppers.
Benefits of NAB credit cards
NAB credit cards have many benefits, making them a popular choice among consumers. These benefits may include:
- Reward programs: NAB credit cards often come with reward programs that allow you to earn points on your purchases, which can be redeemed for a variety of rewards, such as travel benefits, merchandise, or cashback.
- Interest free periods: Many NAB credit cards offer interest-free periods on purchases, allowing you to manage your finances without incurring additional costs.
- Contactless payments: NAB credit cards are equipped with contactless payment technology, making transactions fast and convenient.
- Mobile banking: NAB provides easy access to manage your credit card through its user-friendly mobile banking app, allowing you to track your spending, make payments, and more on the go.
How to apply for an NAB credit card
Applying for an NAB credit card is a straightforward process typically done online or in person at an NAB branch. To apply for a NAB credit card, you may need to provide the following information:
- Personal details include your full name, contact information, and residential address.
- Financial information, including your income, employment status, and expenses.
- Identification documents such as a driver's license or passport.
Once you have submitted your application, NAB will assess your eligibility based on factors such as your credit history and financial situation.
Managing your NAB credit card
Once approved for an NAB credit card, it's essential to manage it responsibly to avoid unnecessary fees and charges. Here are some tips for managing your NAB credit card effectively:
- Pay on time: Ensure you make the minimum payment by the due date to avoid late payment fees and potential impact on your credit score.
- Monitor your spending: Keep track of your purchases and stay within your credit limit to avoid overspending.
- Review your statements: Regularly review your credit card statements to check for discrepancies or unauthorised transactions.
- Maximise benefits: If you choose a card with rewards, perks, and travel benefits, learn about how to get the most value out of them to offset the cost of the annual fee.
