NAB Credit Cards

NAB is one of Australia's Big Four banks and offers credit cards to suit pretty much every purpose. This includes cards with balance transfer offers, reward or frequent flyer points, low rates, low fees and business credit cards. In 2022, NAB acquired the Citi consumer business in Australia and is now the issue of several brands including Coles, Qantas Money, Suncorp Bank and Kogan Money.

NAB Credit Card Offer

NAB Low Rate Credit Card

0% p.a. for 28 months on balance transfers
$0 annual fee for the first year

Eligibility criteria, terms and conditions, fees and charges apply

NAB Credit Card Offer

Save on card costs with a 0% balance transfer offer and no annual fee in the first year.

• 0% p.a. on balance transfers for the first 28 months, with a 2% BT fee
• $0 annual fee for the first year (reverts to $59 p.a. thereafter)
• Purchase rate: 13.49% p.a. | Minimum credit limit: $1,000
• Request for an additional credit card at no extra cost

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Comparison of NAB Credit Cards

Name	Product	Balance transfer rate p.a.	Purchase rate p.a.	Bonus points	Annual fee	Amount Saved
NAB Low Rate Credit Card		0% for 28 months with 2% balance transfer fee, then 21.74%	Purchase rate p.a. 13.49%	N/A	Annual fee $0 first year ($59 after)	Amount saved $1,768.59 over 28 months	Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.	Go to siteMore Info Compare	loading Fetching your data...
NAB Rewards Platinum Card – Velocity Points		0% for 12 months with 3% balance transfer fee, then 21.74%	Purchase rate p.a. 20.99%	80,000	Annual fee $95 first year ($195 after)	Amount saved $832.32 over 12 months	Get up to 80,000 bonus Velocity Points: 60k points when you spend $1,000 in the first 60 days and 20k after 12 months.	More Info Compare	loading Fetching your data...
NAB Rewards Signature Card		0% for 12 months with 3% balance transfer fee, then 21.74%	Purchase rate p.a. 20.99%	180,000	Annual fee $288	Amount saved $639.32 over 12 months	Earn up to 180,000 bonus NAB Rewards Points (worth $880 in eGift cards): 130k points when you spend $3,000 in the first 60 days and 50k after 12 months.	More Info Compare	loading Fetching your data...
NAB Rewards Platinum Card		0% for 12 months with 3% balance transfer fee, then 21.74%	Purchase rate p.a. 20.99%	100,000	Annual fee $45 first year ($195 after)	Amount saved $882.32 over 12 months	Get up to 100,000 bonus NAB Rewards Points (worth $480 in eGift cards): 80k points when you spend $1,000 in the first 60 days and 20k after 12 months.	More Info Compare	loading Fetching your data...
NAB Qantas Business Signature Card Finder Award			Purchase rate p.a. 18.5%	200,000	Annual fee $295		Receive 200,000 bonus Qantas Points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.	More Info Compare	loading Fetching your data...
NAB Rewards Business Signature Card			Purchase rate p.a. 18.5%	100,000	Annual fee $175		Get 100,000 bonus NAB Rewards points when you spend $4,000 on everyday business purchases in the first 60 days. ABN required.	More Info Compare	loading Fetching your data...
NAB Low Rate Business Card			Purchase rate p.a. 0% for 12 months, then 13.25%	N/A	Annual fee $0 first year ($60 after)		ABN w/ $75,000 p.a. revenue. 0% p.a. interest for 12 months on purchases and receive complimentary unauthorised transaction insurance.	More Info Compare	loading Fetching your data...
NAB Low Fee Card		0% for 12 months with 3% balance transfer fee, then 21.74%	Purchase rate p.a. 20.99%	N/A	Annual fee $30	Amount saved $897.32 over 12 months	Receive $200 cashback when you spend $1,500 on eligible purchases within the first 90 days.	More Info Compare	loading Fetching your data...
NAB Qantas Rewards Signature Card		0% for 12 months with 3% balance transfer fee, then 21.74%	Purchase rate p.a. 20.99%	120,000	Annual fee $320 first year ($420 after)	Amount saved $607.32 over 12 months	Earn up to 120,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 30,000 after 12 months).	More Info Compare	loading Fetching your data...
NAB Qantas Rewards Premium Card		0% for 12 months with 3% balance transfer fee, then 21.74%	Purchase rate p.a. 20.99%	70,000	Annual fee $195 first year ($295 after)	Amount saved $732.32 over 12 months	Get up to 70,000 bonus Qantas Points (60,000 when you spend $2,000 in the first 60 days and 10,000 after 12 months).	More Info Compare	loading Fetching your data...
NAB StraightUp Card			Purchase rate p.a. 0%	N/A	Annual fee $0		Save with 0% p.a. interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.	More Info Compare	loading Fetching your data...
NAB Low Rate - Cashback Offer		0% for 12 months with 3% balance transfer fee, then 21.74%	Purchase rate p.a. 13.49%	N/A	Annual fee $59	Amount saved $868.32 over 12 months	Offers $300 cashback when you spend $1,500 on purchases within the first 90 days.	More Info Compare	loading Fetching your data...
NAB Business Card			Purchase rate p.a. 15.5%	N/A	Annual fee $108		A charge card that gives you up to 35 days interest-free on business purchases and complimentary business liability insurance.	More Info Compare	loading Fetching your data...

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Types of credit cards from NAB

• NAB balance transfer credit card offers

NAB balance transfer credit card offers give you an introductory low or 0% interest rate when you move debt from up to 5 Australian credit cards or store cards that are not issued by NAB.

At the end of the introductory period, any unpaid balance transfer amount will be charged at the card's variable cash advance interest rate. As this is typically high, you'll get the most value from the balance transfer offer when you focus on paying off the balance before you use the card for anything else.

You can request a balance transfer when you apply for a new NAB credit card or at any time on an existing credit card. Just be aware the balance transfer details may be different depending on when you apply. Also take note of any one-time balance transfer fees, along with the other features of the card.

• NAB no interest credit card

The NAB Straight Up Card has no interest rate – instead, it charges a flat monthly fee when you use it or carry a balance. The fee is based on your credit limit, with a cost of $10, $20 or $30 that can make it easier to keep track of account costs compared to interest (which can vary in costs). The monthly fee is also waived if you don't have a balance and don't use the card for a statement period.

The NAB StraightUp was the first no interest, flat fee card to be launched in Australia (in September 2020). Since then, 2 other Big Banks have also introduced no interest cards: CommBank and Westpac.

• NAB low rate credit cards

The NAB Low Rate Card offers a 13.49% p.a. variable interest rate for purchases, which is much lower than the average standard credit card interest rate in Australia of 20.16% p.a. So this low rate can help keep your interest charges down, although it's still worth looking at the other features and comparing it to other cards.

• NAB low fee credit cards

NAB low fee credit cards can help you save on account costs by offering competitive annual fees. The NAB Low Fee Card has all the essential credit card features.

• NAB Rewards credit cards

NAB Rewards credit cards offer you points per $1 on all your eligible spending – including groceries, petrol, dining and travel bookings. You can redeem your points for rewards including travel, frequent flyer point transfers (including Velocity Frequent Flyer), gift cards and retail items.

• NAB frequent flyer credit cards

NAB Qantas Rewards cards give you a way to earn Qantas Points on your everyday credit card spending, with 1 additional point per $1 on selected spending with Qantas. These cards also offer complimentary Qantas Frequent Flyer membership, which could save you $99.50 on the usual joining fee.

• NAB business credit cards

NAB offers a wide range of business credit cards with features including rewards and frequent flyer points, low rates and additional cards for employees. NAB business credit cards also help you keep personal and business expenses separate if you're a business owner (including sole traders), with detailed statements and option of setting individual limits for additional cards linked to the account. NAB also offers cards for larger corporate accounts.

Benefits of getting a NAB credit card

Each NAB credit card has different features, but here are some of the key benefits you can get:

• Mobile payments

NAB credit cards can be used with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay.

• NAB credit card complimentary insurance

Some NAB rewards and premium credit cards come with a range of complimentary insurance options for travel and purchases. For details of the insurance available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).

• Internet and mobile banking

NAB Internet banking and the mobile app both give you ways to manage your account, make payments to other accounts in Australia and overseas, request a credit limit increase or apply for another NAB product at any time. You can also temporarily block your NAB credit card.

• Fraud protection

NAB Defence is a service that helps keep your account safe by detecting suspicious activity. You also get protection with a zero liability policy for fraudulent transactions, which means you'll be refunded if your card is ever used for fraud.

• Annual fee waiver – NAB home loan package

If you get a NAB Choice Package home loan, you can get the annual fee waived on a credit card of your choosing. As there are other fees and costs to getting a mortgage, you should learn more about NAB home loans and packages to decide if this will work for you.

Eligibility criteria

When you want to apply for a NAB credit card, there are a few eligibility boxes you'll need to tick first.

Each NAB card has slightly different details, but include the following:

• Age. You must be at least 18 years old to apply for a NAB credit card.
• Australian residency status. You can apply for a NAB credit card if you're an Australian or New Zealand citizen, permanent resident of Australia or hold an acceptable temporary residency visa. Note that the following Australian temporary visas are not acceptable: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.

How long does it take to apply?

It takes around 15 minutes to apply for a NAB credit card online and you'll get an initial response within 60 seconds of submitting your completed application form. NAB will then be in touch with further details and next steps.

Information and documents you need to apply

NAB credit card applications are made up of a mix of general details and information about your financial situation. This includes:

• Personal information. Your full name, date of birth, contact details, address and details about your current living situation. If you're a new NAB customer, you need to provide one of the following forms of identification: Australian driver's licence, Medicare card, Australian passport or international passport.
• Financial information. Your income and assets, such as savings, shares or property. You also need to include details of existing cards, loans or other liabilities, plus your share of regular household expenses such as groceries, petrol, rent or mortgage repayments.
• Employment details. Your last 3 years of employment history. You may also be asked to provide supporting documents such as your most recent payslips, bank statements or Australian Taxation Office tax assessment notice.

Card details

Depending on which NAB card you're applying for, you could be asked about the following details as part of the application:

• Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that NAB will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
• Balance transfer information. If you want to transfer a balance to a NAB credit card, you'll need to provide details of the debt that you want to transfer, including the account name, number and financial institution's BSB.

What happens after you apply?

NAB will give you an application reference number. You'll also get details about providing more supporting documentation (if that's needed), or next steps.

Frequently asked questions about NAB credit cards

• How do I transfer a balance to a NAB credit card?

  If you want to repay an existing balance, you could take advantage of a promotional low or 0% balance transfer offer with a NAB credit card. This allows you to consolidate your debt and pay it down without the burden of interest for a promotional interest.

  To get a promotional balance transfer interest rate, you must request the balance transfer at the time of your application for an eligible NAB credit card. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.

• How can I pay off my NAB credit card?

  When you get your NAB credit card statement, you can choose from any of the payment options listed on the statement. This includes BPAY payments through a bank account, payments through the NAB app, and phone or Internet banking if you want to pay from a NAB transaction account. Here are details for each option.

  BPAY

  BPAY lets you pay your NAB credit card from any eligible Australian bank account. You'll need the NAB BPAY biller code 1008 and your credit card number for the customer reference number to complete the payment.

  Then, log in to your transaction account, select BPAY and enter these details, along with the amount you would like to pay off the card. Just keep in mind you should allow up to 2 business days for the payment to go through.

  NAB Internet Banking or mobile app

  If you're making a payment from another NAB account, log in to your NAB account online or via the NAB App, select the card and follow the prompts to make a payment.

  NAB Telephone Banking

  You can pay your bill over the phone 24/7 by calling NAB on 13 22 65 and following the prompts to make a payment.

  Direct debit

  You can set up a direct debit from a NAB account using Internet banking or the NAB app. If you want to set up direct debits from another bank account, you can download and fill out a Direct Debit Request form from the NAB website.

  Note you'll need to provide the account number and BSB of the bank account you'd like the payment to come out of each month, as well as choosing whether the direct debit will be for the minimum amount, full amount or a fixed dollar amount.

  NAB branch

  You can pay off your credit card in person at a NAB branch. You'll need your credit card statement and/or account details, as well as cash for the payment or details of the NAB bank account you want to pay from.

  By cheque and post

  Your NAB credit card statement includes instructions on how to post your payment via bank cheque.

  At Australia Post

  You can repay your NAB credit card at an Australia Post outlet that offers the Bank@Post service. You'll need your credit card and PIN to complete the repayment.

• How do I set up Internet banking with my NAB credit card?

  To set up Internet banking, you will need the following information on hand:

  1. Your NAB identification number, found on the back of your NAB credit card
  2. One of the following: Your mobile phone number (if you've provided it or registered for SMS security); your NAB Telephone Banking password; or a temporary password that was issued at a branch. If you can’t recall what your temporary password is, call NAB on 13 22 65.

  Once you have these details, head to the NAB website and click on the "Register" button. Enter your details and create a secure Internet banking password. From here, you can activate a range of services that allow you to pay different accounts with ease.

• What happens if my NAB credit card is lost or stolen?

  If your card has been lost, stolen or damaged, you can immediately block it and request a replacement through your NAB Internet bank account or the NAB mobile app. You can also use these services to temporarily lock your NAB credit card while you try to find it or request a replacement for a damaged card.

  To find these options, simply log in to your account online or via the mobile app, go to the "My cards" section and click on "Manage my cards". You can then choose between the options above.

  Alternatively, you can call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, 7am - 6pm Sat or 9am-6pm Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. If you’re overseas, you can call +61 3 8641 9121 instead.

• My NAB credit card is about to expire, how do I get a new one?

  Your credit card expires on the last day of the month shown on the front of your card. For example, if your card lists an expiry as 11/22, it would expire on 30 November 2022. NAB will automatically send you a replacement card about two weeks before the expiry date that's listed on your card.

  If your card has expired and you haven’t received a replacement card, call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, 7am - 6pm Sat or 9am-6pm Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. Alternatively, you can visit a NAB bank branch.

• How do I increase or decrease the credit limit on my NAB credit card?

  If you want to increase or decrease your credit card limit, call NAB on 13 22 65 from 8am to 7pm Monday-Friday, 7am - 6pm Saturday or 9am to 6pm Sunday (AEST). If you're overseas call, +61 3 8641 9083 during these hours. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information. Note that credit limit increases are subject to criteria and approval.

• What’s a NAB identification number?

  The NAB Identification Number (NIN) is a unique identifier that is issued to all NAB customers. You can find your NIN at the back of your card, near the top, it is an 8-digit number. If you would like to confirm or reset your NIN, you may call customer service on 13 22 65.

• What’s a security number?

  Every card comes with a 3-digit security number (or CVV number) that is used for certain transactions to verify the ownership of the card. You can find your security number at the back of your NAB card, right beside the signature field. You can find out how your CVV number works in this guide.

• How can I cancel a NAB credit card?

  You can permanently close a credit card account with NAB by calling 13 22 65 or +61 3 8641 9083 if you're overseas. You can also cancel your credit card by sending NAB a secure message via Internet Banking. Before closing your account, make sure all outstanding balances are paid off.

  If your card has been lost, stolen or if you see suspicious transactions on your account, you can temporarily block it instead of cancelling it by calling 1800 033 103 in Australia or +61 3 8641 9121 from overseas. You can also do this at any time through the NAB Mobile Banking app or NAB Internet Banking.

Important links and details

• NAB customer service: 13 22 65
• NAB personal loans
• NAB home loans

Compare other products from NAB

• NAB home loans
• NAB savings accounts
• NAB car loans
• NAB business loans
• NAB home insurance
• NAB car insurance
• NAB landlord insurance

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise

Amy has written 582 Finder guides across topics including:

• Credit cards
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• BNPL
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