NAB

Compare NAB credit cards and get informed about applying. Review offer rates, fees, rewards, and key features.

NAB credit cards

NAB Low Fee Credit Card

On NAB's website

NAB Low Fee Credit Card

3.2

Balance transfer

12 months at 0% p.a.

Purchase rate

19.74% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$30.00 p.a. ongoing

Details

  • Receive $200 cashback when you spend $1,500 on purchases within 90 days from account opening.
  • Low $30 p.a. ongoing annual fee.
  • 12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverting to the variable cash advance rate of 21.74% p.a.

Pros & cons

Pros
  • The opportunity to get a cashback $200.
  • 0% p.a. on balance transfers for 12 months.
  • Apply for an additional cardholder at no extra cost.
Cons
  • There is a 3% balance transfer fee.
  • Ongoing interest on purchases and cash advances is not low.
  • Doesn't earn rewards.
NAB Low Fee Platinum Credit Card

On NAB's website

NAB Low Fee Platinum Credit Card

3.3

Balance transfer

12 months at 0% p.a.

Purchase rate

19.74% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$90.00 p.a. ongoing

Details

  • Access the Platinum Concierge Service available 24/7.
  • Enjoy 12 months at 0% p.a. on balance transfers (a 3% balance transfer fee applies). Reverting to the variable cash advance rate of 21.74% p.a.
  • Access six complimentary insurances when making an eligible purchase.

Pros & cons

Pros
  • 12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverts to variable cash advance rate of 21.74% p.a.
  • Low ongoing $90 annual fee.
  • Complimentary insurance including international travel insurance.
  • Access to the 24 /7 NAB Concierge Service.
Cons
  • There's a 3% fee on balance transfers.
  • You can't earn rewards points with this card.
  • Up to 44 days interest-free, which is shorter than the 55 days on many other cards.
NAB Low Rate Business Credit Card

On NAB's website

NAB Low Rate Business Credit Card

4.0

Balance transfer

N/A

Purchase rate

12 months at 0% p.a.

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Details

  • Enjoy 12 months at 0% p.a. on purchases. Reverting to the variable purchase rate of 13.25% p.a.
  • Benefit from a low ongoing 13.25% p.a. rate on purchases and cash advances.
  • No annual fee for the initial year.

Pros & cons

Pros
  • The 0% special introductory interest rate offer on purchases.
  • $0 annual fee on the first year ($60 p.a. thereafter).
  • Low interest rate on cash advances and purchases.
  • Up to 55 days on business purchases.
Cons
  • No travel insurance.
  • Doesn't earn rewards points.
NAB Low Rate Credit Card

On NAB's website

NAB Low Rate Credit Card

3.3

Balance transfer

28 months at 0% p.a.

Purchase rate

13.49% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Details

  • Experience 0% p.a. on balance transfers for 28 months with a 2% balance transfer fee. Reverting to a variable cash advance rate of 21.74% p.a. after the promotional period.
  • Initial $0 annual card fee for the first year ($59 p.a. thereafter).
  • Receive a response within 60 seconds.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 28 months.
  • A variable purchase rate of 13.49% p.a.
  • The waived annual fee for the first year.
  • Additional credit card is free.
Cons
  • There is a 2% balance transfer fee.
  • No rewards program for this card.
  • No insurance coverage.
NAB Qantas Business Signature Credit Card

On NAB's website

NAB Qantas Business Signature Credit Card

4.6

Balance transfer

N/A

Purchase rate

18.5% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$295.00 p.a. ongoing

Details

  • Get 150,000 bonus Qantas Points upon spending $4,000 on everyday purchases within 60 days.
  • Accrue 0.67 Qantas Points per $1 spent.
  • Include additional cardholders, each with personalized credit limits.

Pros & cons

Pros
  • Earn 150,000 bonus Qantas points by spending $4,000 on eligible business purchases within 60 days of account opening.
  • Up to 44 interest-free days on business purchases.
  • Comes with access to Visa's global concierge service, and complimentary unauthorised transaction insurance.
  • Add multiple additional cardholders, each with individual credit limits.
  • Supports most digital wallets, including Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Lacks complimentary international travel insurance.
  • Points are capped at $50,000 per card per statement period.
NAB Qantas Rewards Premium Credit Card

On NAB's website

NAB Qantas Rewards Premium Credit Card

3.6

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$150.00 for 1st year

Details

  • Receive 70,000 bonus Qantas Points upon spending $2,000 within the initial 60 days.
  • First-year annual fee reduced to $150 p.a. from $250 p.a. (saving $100).
  • Earn 1 Qantas Point per $1.5 spent on everyday purchases up to $3,000 per statement period, and 1 Qantas Point per $3 spent thereafter (capped at $6,000).
  • Enjoy complimentary Qantas Frequent Flyer membership, saving $99.50.

Pros & cons

Pros
  • The 70,000 bonus Qantas Points.
  • The discounted annual fee for the first year.
  • Free Qantas Frequent Flyer membership (a saving of $99.50).
  • Comes with a host of complimentary insurances when you make an eligible purchase.
  • Visa Premium Access and NAB Concierge Services 24/7.
Cons
  • Points earning capped at $6,000 spent per statement period.
  • Higher annual fee compared to other Qantas cards.
  • Interest rates are high, which is typical for most rewards-earning cards.
NAB Qantas Rewards Signature Credit Card

On NAB's website

NAB Qantas Rewards Signature Credit Card

3.6

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$295.00 for 1st year

Details

  • Gain up to 120,000 bonus Qantas Points. Acquire 90,000 bonus points upon spending $3,000 within the initial 60 days from account approval date and an additional 30,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
  • Benefit from 0% on balance transfers for 12 months with a 3% Balance Transfer Fee.
  • First-year annual fee reduced to $295 p.a. from $395 p.a. (saving you $100).

Pros & cons

Pros
  • Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
  • Six complimentary insurances when you make an eligible purchase.
  • Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period then 0.05 pts per $1 spent thereafter (capped at $20,000).
Cons
  • Annual fee of $395 p.a. is quite high.
NAB Rewards Business Signature Credit Card

On NAB's website

NAB Rewards Business Signature Credit Card

4.6

Balance transfer

N/A

Purchase rate

18.5% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$175.00 p.a. ongoing

Details

  • Receive 100,000 NAB Rewards Points upon spending $4,000 on everyday purchases within 60 days.
  • Triple the earning rate on overseas spending or purchases made at overseas stores and suppliers from Australia.
  • Double the earn rate on purchases made at partner departments and hardware stores.

Pros & cons

Pros
  • Receive a generous 100,000 bonus NAB Rewards Points when you spend $4,000 on everyday business purchases within 60 days of opening your account.
  • Earn 1.25 NAB Rewards Points per $1 spent on eligible everyday business purchases, with no cap.
  • ATO payments earn NAB Rewards Points at the same rate as everyday purchases.
  • NAB Rewards Points can be transferred to several other airline rewards programs, making it easier to find an awards seat.
  • Up to 44 interest-free days on purchases, giving you more flexibility and breathing room with your business expenses.
  • Complimentary NAB Commercial Cards Unauthorised Transaction Insurance and NAB Commercial Cards Transit Accident Insurance.
  • Works with major digital wallets, including Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Additional cardholders don't come cheap.
  • Lacks complimentary international travel insurance.
  • No complimentary airline lounge passes.
NAB Rewards Platinum Credit Card

On NAB's website

NAB Rewards Platinum Credit Card

4.8

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$45.00 for 1st year

Details

  • Earn up to 100,000 bonus points. Get 80,000 bonus points upon spending $1,000 in the initial 60 days from account approval date and an additional 20,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
  • Benefit from a reduced first-year annual fee of $45 p.a. instead of $195 p.a. (saving you $150).
  • Accrue 2 points on purchases made at Webjet. 1 point on all other spend.

Pros & cons

Pros
  • Earn 100,000 bonus Points when you meet the criteria.
  • The reduced first-year annual fee of $45 p.a.
  • No earning points cap.
  • Comes with complimentary insurances including international travel insurance
Cons
  • There is a 3% balance transfer fee.
NAB Rewards Signature Credit Card

On NAB's website

NAB Rewards Signature Credit Card

4.8

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$145.00 for 1st year

Details

  • Earn up to 180,000 bonus NAB Rewards points. (130,000 bonus points upon spending $3,000 within the initial 60 days from the account approval date and an additional 50,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.)
  • No cap on the number of points you can earn, although the earn rate reduces on spend above $15,000 in a statement period.
  • Transfer points from NAB Rewards to Flybuys, Velocity Frequent Flyer, KrisFlyer, Asia Miles, Airpoints, or Accor Live Limitless.
  • Mobile insurance covering accidental damage and theft.
  • International and domestic travel insurance, and more.
  • No foreign transaction fees on purchases or when shopping from overseas online stores.

Pros & cons

Pros
  • Up to 180,000 bonus NAB Rewards Points when you meet the criteria.
  • No cap on how many points you can earn.
  • NAB Rewards have several transfer partners, giving you options for flight redemptions.
  • Points can be redeemed for cashback, gift cards, and travel with Webjet.
  • Use points to shop the NAB Rewards Store.
  • 0% p.a. on balance transfers for 12 months.
  • International and domestic travel insurance.
  • Credit limits start from $15,000, which is more than enough for most.
  • Free additional cardholder, meaning you can put more spend through the card.
  • 24/7 access to the NAB Concierge Service for reservations and assistance.
Cons
  • There is a 3% balance transfer fee, which can be added to the balance.
  • Instead of an annual fee, there is a monthly fee, which is waived if you spend more than $5,000 in the statement period.
  • Up to 44 interest-free days when you pay the statement in full, which is on the low side.
  • Qantas Frequent Flyer is not a transfer partner.
  • Purchase rates are on the high side, if you carry a balance.
NAB StraightUp Credit Card

On NAB's website

NAB StraightUp Credit Card

4.2

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Interest-free days

N/A

Annual fee

$0.00 p.a. ongoing

Details

  • Get the latest credit card from NAB - straightforward, affordable, and above all, interest-free!
  • No Use, No Pay. Should your NAB StraightUp credit card remain unused throughout the entire statement period, the monthly fee will be reimbursed. No unexpected charges!
  • Use your card for foreign currency transactions and get zero foreign transaction fees!
  • Consistent fixed minimum payments determined by your credit limit, providing you with assurance of monthly payment amounts.

Pros & cons

Pros
  • Charges a monthly fee based on your selected credit limit.
  • The monthly fee will be reversed if you do not have any outstanding balance or purchase.
  • No interest charges or other fees, including foreign currency fees and late payment fees.
Cons
  • No rewards program for this card.
  • No balance transfers or cash advances.

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:

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.

Help choosing an NAB credit card

Find your perfect NAB credit card with expert guidance.

  • FAQs

  • Pros & cons

What are the annual fees associated with NAB credit cards?

NAB credit cards may have varying annual fees depending on the type of card you choose. It is essential to review the fee schedule of the specific NAB credit card you are interested in to understand the annual costs involved.

Can I manage my NAB credit card account online?

Yes, NAB provides online and mobile banking services that allow you to manage your credit card account conveniently. You can use the NAB app or internet banking portal to check your balance, review transactions, make payments, and more.

How can I contact NAB for credit card-related inquiries?

You can contact NAB customer service via phone, email, or visit a local branch for assistance with your credit card queries. NAB customer support representatives are available to help with any questions or concerns you may have regarding your credit card account.

What security measures are in place to protect NAB credit card holders?

NAB implements security features such as encryption, fraud monitoring, and transaction alerts to safeguard its credit card holders against unauthorised activities. Additionally, NAB offers liability protection for fraudulent transactions on your credit card account.

Pros

Generous rewards program

NAB Rewards is a generous rewards program, allowing cardholders to earn points on their purchases that can be redeemed for a variety of rewards such as flights, merchandise, or cashback, providing added value and flexibility. Points can be transferred to a number of airline partners, providing a degree of flexibility when redeeming for flights.

Extensive travel benefits

Many NAB credit cards offer extensive travel benefits, including complimentary travel insurance, airport lounge access, and no foreign transaction fees, making them an excellent choice for frequent travelers seeking added perks and savings.

Wide range of card options

NAB offers a diverse range of credit cards tailored to different spending habits and financial needs, from low-rate cards for budget-conscious individuals to premium cards with enhanced benefits for frequent spenders and travelers, ensuring there's a card suitable for various lifestyles.

Competitive interest rates

NAB have a track record of having competitive interest rates, making them an attractive option for cardholders looking to cut costs. Their balance transfer offers have been historically strong against the market.

Excellent customer service

NAB is known for its excellent customer service, providing cardholders with access to 24/7 customer support, online account management tools, and dedicated assistance for any queries or issues they may encounter, ensuring a smooth and hassle-free experience.

Cons

Annual fees

Some NAB credit cards may come with annual fees, which can add to the overall cost of card ownership, particularly for individuals who may not fully utilize the card's benefits or rewards to offset the fee.

High-income requirements

Certain NAB credit cards may have high-income requirements for eligibility, potentially excluding individuals with lower incomes from accessing some of the premium card options or benefits.

Limited acceptance

While NAB credit cards are widely accepted domestically and internationally, there may still be instances where certain merchants or establishments do not accept NAB cards, potentially limiting cardholders' purchasing options in some situations.

Complex rewards structures

The rewards programs associated with NAB credit cards can sometimes be complex, with tiered earning rates, points expiry policies, and redemption restrictions, requiring cardholders to carefully navigate the program to maximize their benefits effectively.

Foreign exchange rates

While NAB credit cards typically waive foreign transaction fees, cardholders may still encounter less favorable foreign exchange rates compared to other payment methods or currency exchange providers, potentially resulting in higher conversion costs for overseas transactions.

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