NAB Credit Cards

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Find out why are NAB credit cards popular with millions of Australians

As one of Australia’s largest financial institutions, NAB are sure to have a credit card to suit your needs. Whether you want a plain vanilla credit card that costs you less to own and use, or you want a credit card that comes with everything but the kitchen sink, NAB offers a cards with a suite of features. Unlike most other credit card providers, NAB offer products linked to the flybuys rewards program — they’re the only one of the Big Four banking institutions that do this. Compare NAB credit cards and discover how you can save money or get the flights and rewards you want. Compare credit cards and click ‘Go to Site’ to start an application for credit card from one of Australia’s Big Four Banks and one of the world’s leading financial institutions.

NAB’s recognised awards

NAB has been recognised for providing low-cost products and for their engagement with the community.

  • Best Business Lender – NAB were named the Best Business Lender in 2011 at the AB+F Corporate and Business Banking Awards.
  • Community Contribution – At the 2013 Australian Business Awards, NAB were recognised for their work within the community, which has led to a long-term benefit for Australians. NAB have been active working with not for profit organisations to improve the lives of young Australians.

NAB Premium Card

NAB Credit Card Offer

Apply for the NAB Premium Credit Card and enjoy a long term balance transfer offer.

  • $90 p.a. annual fee
  • 19.74% p.a. on purchases
  • 0% p.a. for 15 months on balance transfers
  • Cash Advance Rate of 21.74% p.a.
  • Up to 44 days interest free

Comparison of NAB Credit Cards

Rates last updated January 30th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
NAB Premium Card
NAB Premium Card
0% for 15 months on balances transfers. Benefit from platinum credit card advantages. Apply by 19 April 2015. 19.74% p.a. 0% p.a. for 15 months $90 p.a. 21.74% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
0% p.a. for 12 months on purchases and balance transfers. Enjoy the benefit of a lo ongoing interest rate on purchases. 0% p.a. for 12 months (reverts to 13.99% p.a.) 0% p.a. for 12 months $59 p.a. 21.74% p.a. Go to site More info
NAB Qantas Rewards Card
NAB Qantas Rewards Card
Receive 10,000 bonus Qantas Points plus a low balance transfer and purchase offer. Plus earn 1.000 Qantas Point per $1 spent on eligible purchases. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $65 p.a. 21.74% p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
0% p.a. for 12 months on purchases and balance transfers. Receive 20,000 bonus Velocity Points with when you make an everyday purchase. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $150 p.a. 21.74% p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
Receive 20,000 bonus Qantas Points and take advantage of an introductory purchase and balance transfer rate. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $250 p.a. 21.74% p.a. Go to site More info
NAB Premium Card - Purchase & Balance Transfer Offer
NAB Premium Card - Purchase & Balance Transfer Offer
A credit card with a low interest rate offer on purchases and balance transfers. Offer available online only. 0% p.a. for 12 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $90 p.a. 21.74% p.a. Go to site More info
NAB flybuys Rewards Card
NAB flybuys Rewards Card
Earn up to 10,000 flybuys bonus points and a low offer on purchases and balance transfers. Also 1.000 flybuys point for every $1 you spend on your everyday purchases. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $65 p.a. 21.74% p.a. Go to site More info
NAB Low Fee Card
NAB Low Fee Card
Low annual fee card offer with complimentary Purchase Protection Insurance. Enjoy low rate on purchases and balance transfers. 0% p.a. for 12 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. 21.74% p.a. Go to site More info
NAB Velocity Rewards Card
NAB Velocity Rewards Card
Receive 10,000 bonus Velocity Points. Plus a low annual fee and 0% p.a. for 12 months on purchases and balance transfers. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $65 p.a. 21.74% p.a. Go to site More info
NAB Qantas Business Card
NAB Qantas Business Card
Enjoy uncapped rewards points earning through the Qantas Frequent Flyer program. 18.50% p.a. $144 p.a. 21.74% p.a. More info
NAB Business Payments Card
NAB Business Payments Card
Enjoy no monthly card fee and no fee for additional cardholders. 15.50% p.a. $0 p.a. 15.50% p.a. More info
NAB Business Access Card
NAB Business Access Card
Offers a low annual fee with a competitive interest rate on purchases. 13.50% p.a. $60 p.a. 13.50% p.a. More info
NAB Business Card
NAB Business Card
A charge card that gives you up to 35 days interest free on business purchases. 15.50% p.a. $108 p.a. 15.50% p.a. More info
NAB Purchasing and Corporate Card
NAB Purchasing and Corporate Card
Monitor your business-related expenses with a low interest rate on purchases. 13.50% p.a. More info

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Types of credit cards from NAB

There are a number of NAB credit cards to accommodate all types of budgets and needs. The low rate and low fee credit cards provide just what their name says: a cheap way to make purchases and a low-cost credit card to own. NAB rewards credit cards are linked to Qantas, Velocity and flybuys — they’re only one of two card providers that let you earn flybuys points when you spend.

  • Low rate & low fee credit cards

    Low rate and low fee credit cards are a basic credit card product that won’t cost you the earth to own. The low rate card can come with an interest-free promotion to compliment the low purchase rate. The low fee credit card can sit in your wallet without burning a hole in your pocket.

Rates last updated January 30th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
NAB Low Rate Credit Card
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a low interest rate combined with a purchase and balance transfer offer of 0% p.a. for 12 months. Apply by 19 April 2015. 0% p.a. for 12 months (reverts to 13.99% p.a.) 0% p.a. for 12 months $59 p.a. 21.74% p.a. Go to site More info
NAB Low Fee Card
NAB Low Fee Card
Offers a low interest rate on balance transfers combined with a purchase rate offer of 0% p.a. for 12 months. Apply by 19 April 2015. 0% p.a. for 12 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. 21.74% p.a. Go to site More info
Rates last updated January 30th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
Save with a low rate on purchases and balance transfers with a low annual fee and ongoing purchase rate. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
A credit card with a low rate introductory offer on purchases and balance transfers. 0% p.a. for 12 months (reverts to 13.99% p.a.) 0% p.a. for 12 months $59 p.a. 21.74% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest free on purchases and a low annual fee. 0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
ME Bank Low Rate Credit Card
ME Bank Low Rate Credit Card
A low interest rate on purchases and cash advances with no annual fee charge. 9.99% p.a. $0 p.a. 9.99% p.a. Go to site More info
St.George Vertigo Visa
St.George Vertigo Visa
A low rate shopping credit card offering a low ongoing rate on purchases plus a low balance transfer offer. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 16 months $55 p.a. 21.49% p.a. Go to site More info
Bankwest Breeze MasterCard - Exclusive Offer
Bankwest Breeze MasterCard - Exclusive Offer
Exclusive Offer to finder.com.au
Enjoy interest-free shopping for 13 months with 0% p.a. on purchases.
0% p.a. for 13 months (reverts to 12.24% p.a.) $59 p.a. 21.99% p.a. Go to site More info
American Express Low Rate Credit Card
American Express Low Rate Credit Card
Enjoy a competitive low interest rate, plus a no annual fee and balance transfer offer. 11.99% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
BoQ Low Rate Visa Card
BoQ Low Rate Visa Card
A credit card with a low annual fee, plus low rate on balance transfers and purchases. 13.49% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) 21.49% p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Bank of Melbourne Vertigo Visa Credit Card
A low purchase rate offer from Bank of Melbourne. Also benefit with other features including a low ongoing purchase rate and low annual fee. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 16 months $55 p.a. 21.49% p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee. 0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 6 months $0 p.a. annual fee for the first year ($99 p.a. thereafter) 21.49% p.a. Go to site More info
Citibank Clear Platinum Card
Citibank Clear Platinum Card
Enjoy the benefits of Visa Platinum, with a low annual fee and a great introductory offer on purchases and balance transfers. 0% p.a. for 9 months (reverts to 13.99% p.a.) 0% p.a. for 9 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.74% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
ANZ Low Rate Platinum Credit Card
Platinum card features including overseas medical and travel insurance together with a low interest rate on purchases. 13.49% p.a. 0% p.a. for 16 months $99 p.a. 21.74% p.a. Go to site More info
BankSA Vertigo Visa
BankSA Vertigo Visa
A low rate credit card, with a low purchase offer from BankSA. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 16 months $55 p.a. 21.49% p.a. Go to site More info
Bankwest Breeze MasterCard
Bankwest Breeze MasterCard
A low annual fee, low interest card on purchases with a special offer on balance transfers. 12.24% p.a. 0% p.a. for 4 months $59 p.a. 21.99% p.a. Go to site More info
Bankwest Breeze Platinum MasterCard
Bankwest Breeze Platinum MasterCard
Low interest rate on balance transfers and purchases. Plus no foreign transaction fees on online and overseas purchases. 12.24% p.a. 0% p.a. for 4 months $99 p.a. 21.99% p.a. Go to site More info
Citibank Ready Credit - Fixed Payment Option
Citibank Ready Credit - Fixed Payment Option
A special introductory Fixed Payment Option from 8.99% p.a. rate for 48 months, plus no annual fee. 8.99% p.a. for 48 months (reverts to 19.49% p.a.) $0 p.a. 19.49% p.a. Go to site More info
Learn more about Low Rate Credit Cards
 
Rates last updated January 30th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Westpac Low Rate Card
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases and balance transfers. 0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
ANZ Low Rate
ANZ Low Rate
Save with a low rate on purchases and balance transfers with a low annual fee and ongoing purchase rate. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
St.George Vertigo Visa
St.George Vertigo Visa
Low ongoing rate on purchases, introductory balance transfer offer, plus a low annual fee. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 16 months $55 p.a. 21.49% p.a. Go to site More info
BoQ Low Rate Visa Card
BoQ Low Rate Visa Card
The Bank of Queensland's standard low interest rate credit card. 13.49% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) 21.49% p.a. Go to site More info
Westpac 55 Day Credit Card - Exclusive Offer
Westpac 55 Day Credit Card - Exclusive Offer
A low interest rate offer on balance transfers with $30 p.a. annual fee. 0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($30 p.a. thereafter) 21.29% p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a low balance transfer deal. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 16 months $55 p.a. 21.49% p.a. Go to site More info

  • Rewards credit cards

    These rewards credit cards from NAB are entry level frequent flyer credit cards linked to the Velocity program, Qantas Frequent Flyer program or the flybuys loyalty scheme. They’re an affordable way to get access to credit card frequent flyer rewards.

    Compare these cards by their annual fee and their earn rate. The higher the product’s annual fee, the more you have to spend for the credit card to be worth your while. Additional cardholders, interest-free days and the rates of interest should also factor into your comparison. These features add to the desirability of a rewards credit card.

Rates last updated January 30th, 2015
Bonus Points Visa / MasterCard points per $ spent Amex points per $ spent Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB flybuys Rewards Card
NAB flybuys Rewards Card
10,000 bonus points 1 0 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $65 p.a. Go to site More info
NAB Qantas Rewards Card
NAB Qantas Rewards Card
10,000 bonus points 0.5 1 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $65 p.a. Go to site More info
NAB Velocity Rewards Card
NAB Velocity Rewards Card
10,000 bonus points 0.5 1 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $65 p.a. Go to site More info
Rates last updated January 30th, 2015
Bonus Points Visa / MasterCard points per $ spent Amex points per $ spent Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
50,000 bonus points 0.5 1.5 19.99% p.a. $295 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
5,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
Bankwest More Platinum Mastercard
Bankwest More Platinum Mastercard
50,000 bonus points 2 0 19.99% p.a. 0% p.a. for 18 months $130 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
20,000 bonus points 1 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
10,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 20k Bonus Points and Balance Transfer Offer
Virgin Australia Velocity Flyer Card - 20k Bonus Points and Balance Transfer Offer
20,000 bonus points 1 0 20.74% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
20,000 bonus points 0.5 1.5 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $250 p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
50,000 bonus points 0.5 1 19.99% p.a. $95 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
20,000 bonus points 1.25 0 20.74% p.a. 1.9% p.a. for 12 months $145 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
NAB Qantas Rewards Card
NAB Qantas Rewards Card
10,000 bonus points 0.5 1 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $65 p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
50,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. Go to site More info
Bankwest More Classic MasterCard
Bankwest More Classic MasterCard
28,000 bonus points 1.5 0 19.99% p.a. 0% p.a. for 18 months $70 p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
20,000 bonus points 0.5 1.5 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $150 p.a. Go to site More info
Citibank Qantas Signature Credit Card
Citibank Qantas Signature Credit Card
50,000 bonus points 1 0 20.99% p.a. 0% p.a. for 6 months $299 p.a. Go to site More info
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
50,000 bonus points 2 3 18.79% p.a. $375 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
10,000 bonus points 0.5 0 20.74% p.a. 0% p.a. for 16 months $129 p.a. Go to site More info
St.George Amplify Classic
St.George Amplify Classic
10,000 bonus points 1 0 0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 6 months $79 p.a. Go to site More info
St.George Amplify Platinum
St.George Amplify Platinum
30,000 bonus points 1 0 0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 6 months $99 p.a. Go to site More info
St.George Amplify Signature
St.George Amplify Signature
60,000 bonus points 1.5 0 0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 6 months $279 p.a. Go to site More info
Citibank Rewards Credit Card - Signature
Citibank Rewards Credit Card - Signature
60,000 bonus points 1.5 0 20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. Go to site More info
Bankwest Qantas MasterCard
Bankwest Qantas MasterCard
2,000 bonus points 0.5 0 19.99% p.a. 0% p.a. for 12 months $100 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Platinum Card
American Express Platinum Card
80,000 bonus points 0 1 $1,200 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
50,000 bonus points 0.75 1.5 19.99% p.a. $425 p.a. Go to site More info
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
30,000 bonus points 1 2 0% p.a. for 6 months (reverts to 20.24% p.a.) 3.99% p.a. for 6 months $150 p.a. Go to site More info
NAB flybuys Rewards Card
NAB flybuys Rewards Card
10,000 bonus points 1 0 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $65 p.a. Go to site More info
Learn more about Business Credit Cards

  • Premium credit cards

    If you’re looking for more than what’s on offer with NAB’s standard rewards cards, compare their premium cards. The annual fee is higher, but it can be a small price to pay for the extras on offer. There are complimentary insurances and lifestyle benefits available to cardholders and a higher earn rate for points.

Rates last updated January 30th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
NAB Premium Card
NAB Premium Card
Benefit from gold credit card advantages including travel insurance, higher credit limits and VIP Lost card cover. 0% p.a. for 15 months on balance transfers. Apply by 19 April 2015. 19.74% p.a. 0% p.a. for 15 months $90 p.a. 21.74% p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
Earn 1.500 points per $1 spent on eligible purchases. Plus enjoy a low balance transfer and purchase offer. Receive 20,000 bonus Qantas Points. Apply by 19 April 2015. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $250 p.a. 21.74% p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
0% p.a. on balance transfers and purchases for 12 months and 20,000 bonus Velocity Points when you make an everyday purchase. You gain both Visa and American Express cards which are linked to one single account and annual fee. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $150 p.a. 21.74% p.a. Go to site More info
Rates last updated January 30th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
HSBC Platinum Credit Card
A platinum rewards credit card with high credit limits, prestige services including a personal concierge service, VISA Platinum golf, and the ability to earn rewards points. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Westpac 55 Day Platinum Card - Exclusive Offer
Westpac 55 Day Platinum Card - Exclusive Offer
No annual fee for the first year (and subsequent years) if you spend over $10,000 per annum. Platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover. 0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points. Also receive a complimentary Virgin Blue domestic economy return flight every year. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
Bankwest More Platinum Mastercard
Bankwest More Platinum Mastercard
50,000 bonus points and no foreign transaction fees on purchases. 19.99% p.a. 0% p.a. for 18 months $130 p.a. 21.99% p.a. Go to site More info
NAB Premium Card
NAB Premium Card
Enjoy a low rate offer on balance transfers plus benefit from platinum credit card advantages including travel insurance, higher credit limits and VIP Lost card cover. 19.74% p.a. 0% p.a. for 15 months $90 p.a. 21.74% p.a. Go to site More info
ANZ Platinum Credit Card
ANZ Platinum Credit Card
Overseas Travel and Medical Insurance, Domestic Interstate Flight Inconvenience Insurance, Extended Warranty and a best price guarantee. 19.74% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 20k Bonus Points and Balance Transfer Offer
Virgin Australia Velocity Flyer Card - 20k Bonus Points and Balance Transfer Offer
No annual fee for the first year and 20,000 bonus Velocity Points. 20.74% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($129 p.a. thereafter) 20.99% p.a. Go to site More info
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer and a host of platinum privileges to enjoy. 20.99% p.a. 0% p.a. for 24 months $199 p.a. 21.74% p.a. Go to site More info
ANZ Rewards Platinum
ANZ Rewards Platinum
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum. Also offering 50,000 bonus points after your first eligible purchase. 18.79% p.a. $149 p.a. 20.99% p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Earn rate of 1.250 Velocity uncapped Points per $1 spent. 20.74% p.a. 1.9% p.a. for 12 months $145 p.a. annual fee for the first year ($289 p.a. thereafter) 20.99% p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
A platinum card with all the perks and a short term introductory interest rate. 0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 6 months $0 p.a. annual fee for the first year ($99 p.a. thereafter) 21.49% p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
Receive up to 50,000 extra Qantas Points. Plus earn 1.000 points per $1 spend. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Earn 1.000 points per spend on eligible overseas purchases and international retailers. Ability to receive 20,000 Bonus Qantas Frequent Flyer points on signup. 19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% p.a. Go to site More info
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
You could earn 50,000 bonus rewards points after first eligible purchase. 18.79% p.a. $375 p.a. 20.99% p.a. Go to site More info
Bankwest Breeze Platinum MasterCard
Bankwest Breeze Platinum MasterCard
Low interest rate on balance transfers and purchases. Plus no foreign transaction fees on online and overseas purchases. 12.24% p.a. 0% p.a. for 4 months $99 p.a. 21.99% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
ANZ Low Rate Platinum Credit Card
Platinum perks with a low interest rate on purchases. 13.49% p.a. 0% p.a. for 16 months $99 p.a. 21.74% p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
Introductory 20,000 bonus points offer and complimentary insurances plus 0% p.a. on balance transfers and purchases for 12 months. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $150 p.a. 21.74% p.a. Go to site More info
Citibank Qantas Signature Credit Card
Citibank Qantas Signature Credit Card
Receive 50,000 bonus Qantas Points when you apply by 31 December 2015 and complimentary insurances. 20.99% p.a. 0% p.a. for 6 months $299 p.a. 21.74% p.a. Go to site More info
Citibank Clear Platinum Card
Citibank Clear Platinum Card
Visa Concierge service and extended warranty insurance. Transfer your balance to a long term low interest offer. 0% p.a. for 9 months (reverts to 13.99% p.a.) 0% p.a. for 9 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.74% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest free offer on purchases and balance transfers. Earn Velocity Points on everyday spend. 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. 20.99% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 10,000 bonus Velocity Points in first 3 months plus enjoy a low 0% p.a. for 16 months on balance transfers. Reduced Virgin flights offer up to 4 times a year. 20.74% p.a. 0% p.a. for 16 months $129 p.a. 20.99% p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
Low balance transfer and purchase offer plus 20,000 bonus Qantas Points. Comes with a Visa and American Express card, both linked to one account and annual fee. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $250 p.a. 21.74% p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Bankwest Qantas Platinum MasterCard
Enjoy travel and accident insurance and payment protection with great balance transfer offer. 19.99% p.a. 0% p.a. for 12 months $160 p.a. 21.99% p.a. Go to site More info
BoQ Platinum Visa Card
BoQ Platinum Visa Card
A great balance transfer offer with a low annual fee. 20.74% p.a. 0% p.a. for 12 months $49 p.a. annual fee for the first year ($199 p.a. thereafter) 21.74% p.a. Go to site More info
Bankwest Zero Platinum MasterCard
Bankwest Zero Platinum MasterCard
A $0 annual fee credit card from Bankwest with some great Platinum features. 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. 21.99% p.a. Go to site More info
Bankwest Breeze Platinum MasterCard - Exclusive Offer
Bankwest Breeze Platinum MasterCard - Exclusive Offer
Exclusive Offer to finder.com.au. A low interest rate offer of 0% p.a. for 13 months on purchases. 0% p.a. for 13 months (reverts to 12.24% p.a.) $99 p.a. 21.99% p.a. Go to site More info
Citibank Rewards Credit Card - Signature
Citibank Rewards Credit Card - Signature
Receive 60,000 bonus points and access to a range of complimentary insurances. 20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. 21.74% p.a. Go to site More info
American Express Platinum Card
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you spend $500 on your card. $1,200 p.a. Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
Offering 50,000 bonus points after your first eligible purchase. Also earn up to 1.50 Qantas Frequent Flyer points per $1 spent via AMEX. Includes extended warranty, overseas travel and medical insurance, 90 day purchase security insurance, and exclusive access to Visa Platinum Concierge. 19.99% p.a. $295 p.a. 21.49% p.a. Go to site More info
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
Make your first eligible purchase and get 30,000 bonus Altitude or Qantas Points. Redeem Altitude points for flights on any of the world's major airlines including free insurance and travel benefits. 0% p.a. for 6 months (reverts to 20.24% p.a.) 3.99% p.a. for 6 months $150 p.a. 21.24% p.a. Go to site More info
St.George Amplify Platinum
St.George Amplify Platinum
Choose between Amplify or Qantas Points rewards program and take up a great purchase and balance transfer offer. Bonus 30,000 points offer. 0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 6 months $99 p.a. 20.74% p.a. Go to site More info
Emirates Citibank World Card
Emirates Citibank World Card
Receive up to 40,000 Skyward Miles and a low balance transfer offer. 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) 21.24% p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
Earn 1.000 Velocity Points per $1 spent with the Virgin Australia group of Airlines. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $349 p.a. Go to site More info
Learn more about Premium Credit Cards

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The benefits of banking with NAB

NAB credit cards are most than just a way to access credit. Apply for a NAB credit card and get access to:

  • NAB Internet banking

    If you have a NAB credit card, you can access your account through NAB Internet and mobile banking. Manage your account, make payments to other accounts in Australia and overseas, request a credit limit increase or apply for another NAB product from anywhere in the world, anytime they want.

  • Card scheme benefits — Visa, MasterCard, and American Express

    NAB’s rewards cards are issued with a Visa, MasterCard or American Express Cards. You choice of products gives you access to different card scheme benefits. Use your NAB credit card to make contactless payments for purchases under $100. NAB credit cards have global acceptance online, over the counter and at ATMs and you also benefit from Visa, MasterCard and American Express privileges like discounts on big ticket events.

  • NAB rewards credit cards — earn flybuys points

    NAB are one of the few credit card providing institutions that can reward you with flybuys points when you make an eligible purchase on a NAB rewards credit card. This is a nice point of difference if you’re looking to grow your flybuys points balance fast.

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How to apply for a NAB credit card

Follow the links on this page to go to apply for a NAB credit card. Each card has a list of eligibility requirements you must meet if you want to apply. You can find the eligibility requirements on our review and application pages.

Information needed for a NAB credit card application

If you’re eligible to apply for a NAB credit card, you will need to provide the following information about yourself:

  • Personal information. NAB need to know your address, your contact information and you need to verify your identity by providing an accepted form of identification, like your driver’s licence number.
  • Financial information. You will also need to detail information about your employment; income from assets like shares or property; your employer’s contact details and your account’s details if you’re self-employed; your expenses, like your weekly food expenses; and liabilities, like child support.

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Frequently asked questions

Below you can find some of the most commonly asked questions about NAB credit cards. If you still can’t find the answer to your question, get in touch with us using the form at the bottom of the page.

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

A balance transfer is a great way to reduce the amount of interest you pay on your credit card debt. This is a feature for new and existing NAB customers.

Existing customers

Existing customers need to contact NAB directly to arrange a balance transfer from a non-NAB account. The balance transfer rate you receive as an existing customer may be different to the promotional balance transfer rates of interest you see advertised on our website.

New customers

For new customers, when you apply for a NAB credit card, you’ll be asked whether you want to transfer your non-NAB credit card, store card or charge card balance to the new NAB credit card. If you elect to transfer a balance, you’ll be asked to enter your non-NAB card number, the amount you want to transfer from that card and you’ll also need to select the name of the lending institution.

You can transfer as little as $200 or more, and up to 70% of your approved NAB credit limit can be used towards a balance transfer promotion.

How is interest calculated on my NAB credit card?

Interest on your credit card items is calculated multiplying the daily percentage rate (the annual percentage rate that is applicable divided by 365) with your aggregate outstanding balance. The aggregate balance is the sum of all transactions like purchases, cash advances etc. that you’ve made in the last statement period. It may also include special balances (e.g. any balance transfers) and will be indicated on your credit card statement.

When is interest charged on my NAB credit card?

NAB credit cards have up to 44 days interest free on purchases. This means the maximum time you won’t be charged interest by the bank is up to 44 days. If you make multiple purchases within a statement period, this number is reduced until you pay back your balance in full. If you’re not eligible for interest-free days, interest starts accruing from the day of purchase. To take advantage of the number of interest-free days you should always pay your credit card bills in full every time.

Interest on cash advances are always charged from the day of transaction. Interest on special balances (like balance transfers) are charged according to the terms and conditions of that special promotion.

What is interest on interest?

If you have only paid the minimum balance due and not the full balance in your last statement, for example, then your credit card balance starts accruing interest. Your next statement balance would include the previous unpaid balance and the interest amount. If you pay the minimum balance again, then interest is charged on your previous unpaid balance as well as your interest payment that was due. The latter is dubbed ‘interest on interest’, a.k.a. compound interest, and is the primary reason why credit card balances can grow so fast if left unpaid. You should always try to pay more than the minimum balance due each statement period, preferably the full amount.

How much should I pay off my NAB credit card?

Your monthly credit card statement will show a minimum repayment amount, which is calculated as 2.5% of the aggregate balance (purchases, cash advances etc.) or $10, whichever is higher. If you fail to make this minimum payment by the due date you will incur a late payment fee. This will also become a part of your permanent credit record, and will negatively affect your credit rating with the banks.

It is recommended to pay more than the minimum payment amount to reduce your interest charges. If you want to completely eliminate or minimise interest you should aim at paying the full balance due every month within the payment due date indicated in the statement. Some cardholders prefer to setup an auto debit feature in their internet banking system, which automatically pays the minimum amount (or the full amount) of each statement balance directly from their NAB savings account.

What are some of the ways I can reduce interest charges on my NAB credit card?

  • Pick a credit card with interest-free days. Use the interest-free period feature of available on NAB credit cards.
  • Always repay the full amount due on your credit card bill. You must remember to pay off your full credit card statement bill each month. If you don’t you’ll be charged interest from the day you use NAB credit card to make a purchase. Paying your card in full also ensures you won’t pay interest on the interest from the previous statement period.
  • No cash advances. Cash advances and similar cash equivalent transactions always accrue interest from day one, and these transactions are charged at the highest rate of interest. Avoid cash advance transactions on your credit card (use a debit card instead for these transactions) and you’ll avoid exorbitant cash advance fees.

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

To set up internet banking, you will need two things on hand. One is your NAB identification number, found at the back of a NAB credit card, and a NAB internet banking password – this is either a temporary password that was issued at a branch or your NAB telephone banking password. 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 an 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 card is lost or stolen?

If you have lost your card or it is stolen, notify the bank immediately at this number: 1800 033 103. If you’re overseas call +61 3 8641 9083 instead.

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

NAB will automatically send you a replacement card one month before your current card expires. In some cases the card might not be delivered to your home but rather to your nearest bank branch. You will be notified by mail when this happens.

If your card has expired and you haven’t received a replacement card in the mail or in your local NAB branch, call the NAB customer service team on 13 22 65 and advise them of the situation. Alternatively you can send a secure message to NAB through your internet banking messaging system.

What is a purchase authorisation?

This is a hold on your banking account for a sum that you’ve used in a credit card transaction. Every time you buy something using your card the merchant records your credit card information for claiming later payment from NAB. Meanwhile NAB places a hold on your credit card account, so your available credit amount decreases. The purchase authorisation hold stays in place for 7 days. If the merchant hasn’t made their claim you won’t see the transaction show up in your internet banking system, but will see that your available credit is lower than what the displayed transactions would seem to indicate.

After seven days the hold is released, but you should note that the merchant still has six months to make the payment claim. If the merchant does make the claim within that hold period you will see the transaction displayed in your account, which will be debited for the payment amount.

How do I increase my credit limit on my NAB credit card?

Increasing your credit limit on your NAB account can be done by requesting a credit limit increase, either online or over the telephone, and also the bank may send offers to increase your limit if you have agreed to receive these notifications.

You need to demonstrate a good credit rating and you have to have the income to support new credit limit. Before making a final decision to increase your credit limit.

NAB would suggest that you not accept an increase credit limit if you believe that you may have problems paying the card’s balance. A customer who is granted an unwanted increased credit by NAB is free to decline the increase.

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 that is used for certain transactions to verify the ownership of the card. You can find your security number at the back of your card, right beside the signature field.

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Ask a Question

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59 Responses to NAB Credit Cards

  1. Default Gravatar
    Arthur | January 22, 2015

    I would like to transfer my credit cards to frequent flyer associated credit cards with overseas travel insurance..

    Can this be done?

    • Staff
      Jonathan | January 23, 2015

      Hi Arthur,

      Thanks for your inquiry!

      In regards to transferring current credit card services with outstanding balances to a potential new credit card this is generally possible by going through a balance transfer process. The eligibility for carrying out a balance transfer to a new credit card would be determined by the respective credit lender. Please note that lenders have individual lending policies. Each lender will need to assess your financial and personal situation to be able to advise on your options and eligibility.
      For a comparison of credit cards which provide Frequent Flyers programs and international travel options please see this page.

      I hope this helps!

      Cheers,

      Jonathan

  2. Default Gravatar
    john | January 18, 2015

    what is a ccv number

    • Staff
      Jonathan | January 19, 2015

      Hi John,

      Thanks for your question,

      A CCV number or Card Verification Value Code is simply a means of authenticating your individual card as belonging to you. either three or four digits to provide. It is usually the last three or four digits and are meant as an added security measure, or credit card verification value which will hopefully protect your account from those who would misuse your credit by any means possible.
      For more information regarding CCV numbers please see this page.

      I hope this has helped!

      Cheers,

      Jonathan

  3. Default Gravatar
    MR | October 17, 2014

    Hi i just received a nab credit card with one year interest free option.What i want to know is that if i use the internet banking to transfer let’s say 2000$ to my friends australian local bank, how much will i be charged in interest in each month and how much would i need to pay back to nab each month.Remember i want to transfer 2000$. I am confused on calculating the risk involved.Please let me know.
    Thanks.

    • Staff
      Elizabeth | October 17, 2014

      Hi Mr F Joy Varghese,

      Thanks for your question.

      If you’re referring to the 12 months interest free offer on purchases, then the above scenario wouldn’t apply to the promotion as it isn’t considered a purchase. NAB considers a transfer from your credit card account to another account a cash advance and so you will be charged the cash advance rate of your credit card. So while you are paying off the $2,000 you transferred, you will be charged the cash advance rate on that amount.

      I hope this has helped.

      Thanks,

      Elizabeth

  4. Default Gravatar
    janice | August 27, 2014

    I have had a credit card for years..an I get frequent flyer points with it and if so are they qantas or virgin

    • Staff
      Elizabeth | August 28, 2014

      Hi Janice,

      Thanks for your question.

      This depends on the credit card you have as NAB offers cards that allow you to earn both Qantas and Virgin points. You can check the credit card you have and see whether the card earns Qantas or Velocity points, or you can get in contact with NAB directly and discuss your account.

      Hope this has helped.

      Thanks,

      Elizabeth

  5. Default Gravatar
    Vivienne | July 25, 2014

    Can I pay money into my National Visa Card using my American Express Credit card?

    • Staff
      Shirley | July 28, 2014

      Hi Vivienne,

      Thanks for your question.

      Yes you can, but this will be considered as a cash advance.

      If you’re referring to a balance transfer, you’ll need to check if there is a BT offer available from your new American Express card.

      Cheers,
      Shirley

  6. Default Gravatar
    Marian | June 27, 2014

    Hi I work part time and am just finishing a course. My annual income is $25,000 and my monthly expenses around $700. I have been approved for a credit card but the limit is not stated. Can you give me some idea what it would be? If it is only $500 it would not be of any use.

    • Staff
      Shirley | June 30, 2014

      Hi Marian,

      Thanks for your question.

      Unfortunately we don’t have access to any applications – you can contact the customer service team at NAB and enquire about this. They will be able to provide you with a better answer.

      Cheers,
      Shirley

  7. Default Gravatar
    John | May 12, 2014

    What is the number of my frequent flyer card

    • Staff
      Shirley | May 14, 2014

      Hi John,

      Thanks for your question.

      Please contact the NAB customer service team for this.

      Cheers,
      Shirley

  8. Default Gravatar
    Susan | April 19, 2014

    If I was accepted by you card would you go ahead and email me my card number expiration date and the security code in an email before the card game in the mail so I could go ahead and use it for my online errands? There are dome things I already need to do.

    Susan

    • Staff
      Shirley | April 22, 2014

      Hi Susan,

      Thanks for your question.

      Unfortunately we cannot help you with this as creditcardfinder.com.au is a comparison service and we don’t handle the products and applications ourselves.
      Please contact NAB directly about this enquiry.

      Cheers,
      Shirley

  9. Default Gravatar
    Natalie | March 2, 2014

    Every time a person that is on the pension, you don’t even get looked at. All I want to get a credit card with $2,000.

    • Staff
      Jacob | March 3, 2014

      Hi, Natalie.

      Thanks for getting in touch with us.

      Pensioners are able to apply for a credit card, the important thing is that you meet the application requirements. You can find these requirements listed in the table at the bottom of each card’s review and application page.

      Although some of these offers are online only, or exclusive to our comparison site, you can apply for a card in person too. It may be worth having a discussion with the lender face to face.

      I hope this helps.

    • Staff
      Jacob | March 3, 2014

      Hi, Natalie.

      Thanks for your question.

      If you’re on a pension, you can still apply for the card as long as you meet the eligibility requirements set out on the review and application pages. If you’ve been previously rejected for a credit card in recent months, it may be a good idea to wait for a couple of months before applying again. Too many credit card applications in a short space of time can have a negative impact on your chances of getting credit in the future.

      I hope this helps.

  10. Default Gravatar
    Daniel | February 2, 2014

    What is the minimum after-tax income requirement for a NAB low rate/low fee credit card? It doesn’t specify

    • Staff
      Shirley | February 3, 2014

      Hi Daniel,

      Thanks for your comment.

      NAB assesses each application on a case by case basis. To apply for a NAB credit card you need to be at least 18 years old and have a good credit rating – if you’re earning a regular income or salary, then NAB will allocate a credit limit based on your income.

      If you’re not earning a regular income or salary, NAB recommends that you contact them directly.

      Cheers,
      Shirley

  11. Default Gravatar
    Ray | January 6, 2014

    What are the credit cards that give free travel insurance?

  12. Default Gravatar
    jOHN | November 27, 2013

    Hi…

    An online calculator with major bank says I have “available monthly income” of $766 and I have significant assets and no debt.

    What is maximum credit limit I could expect to achieve ?

    • Staff
      Jacob | November 27, 2013

      Hi John.

      Thanks for your question.

      We’re unable to comment on what credit limit you will be assigned if you apply for a card as the bank and lenders all have internal systems that are unknown to the public. A general comment is that you need an income of $15,000 p.a. to be eligible for a credit limit of $500.

      Apologies for the lack of information on this one.

      Jacob.

  13. Default Gravatar
    NAB | November 18, 2013

    Can I get 3 cards with this rewards card?

    • Staff
      Jacob | November 18, 2013

      Hi Bill.

      Thanks for your question.

      Which card are you referring to? If you would like to see how many additional cardholders you can have with a particular account, and how much each will cost, please have a look at the ‘fees and repayments’ tab at the bottom of the card’s review page.

      I hope this helps.

  14. Default Gravatar
    Linda | November 4, 2013

    I have a Visa credit card but the strip is damaged. How do I apply to receive a new one?

  15. Default Gravatar
    Fiona | September 27, 2013

    Hi
    Is it possible to cancel an online purchase and have the payment reversed? I purchased a mobile phone online a week ago. The business immediately took payment, but I have not received any correspondence from them nor received the item. I have also found numerous complaints from other customers with similar stories on the internet. Have contacted this business several times via email and phone with no response. Their website is now closed for maintenance.Is there anything I can do to get my money back?
    Regards
    Fiona

    • Staff
      Jacob | September 28, 2013

      Hi Fiona.

      Thanks for your question.

      You may be able to order a chargeback. This is where you make a dispute with the merchant over a transaction. One of the most common reasons for ordering a chargeback is when the goods or services are not delivered. You will need to get in touch with NAB to lodge the dispute.

      I hope this helps.

  16. Default Gravatar
    troy | August 3, 2013

    Please advise if the calls from 1300 661114 are actually from the NAB or are fraudulent.
    this number has been used for a number of years and has recently been very active in claiming it is from the NAB.
    If they are fraudulent, please act immediately to shut this nefarious activity down. If they are not fraudulent, please improve the contact service skills of the call centre.
    Regards
    Troy

    • Staff
      Matt | August 5, 2013

      Hi Troy,

      Thanks for your comment. I did a quick search and found this number to be associated with the NAB Home Loans – Mortgage Stress department.

      If you’d like to let NAB know how you feel, please contact them directly.

      We hope you get your issue solved!

      Cheers
      Matt

  17. Default Gravatar
    Roy | July 15, 2013

    What is the interest on $5,000 cash advance on a MasterCard for 25 days?

    • Staff
      Jacob | July 15, 2013

      Hi Roy. Thanks for your question. If you’re looking to compare cash advance rates between credit cards, please click on the section where it says ‘cash advance rate’ and it will order the rates from lowest / highest or highest / lowest. Currently all NAB credit cards we compare (except their business payments card) have the same cash advance rate, which is generally the case for most cards offered by most providers. If you’re looking for short term access to cash, you may want to consider a personal loan. I hope this helps. Jacob.

  18. Default Gravatar
    Sandra | July 15, 2013

    I hold a NAB a platinum One MasterCard, does this give me full travel insurance in Australia and overseas of I purchase tickets on the card?

    • Staff
      Jacob | July 15, 2013

      Hi Sandra. Thanks for your question. NAB have since rebranded their platinum credit cards to premium credit cards. The products are the same, only the name has changed. The NAB Premium Card does currently offer complimentary international travel insurance. According to the terms and conditions, the cover is active when, ‘Prior to the commencement of your overseas journey, you have paid a minimum of $500 in pre paid overseas transport costs (including travel by air, rail, road or watercraft); and or accommodation costs; and or organised land tour costs all of which are inclusive of any charges, fees and or taxes (excluding foreign currency and traveller’s cheques) with your NAB Card account.’ I hope this helps. Jacob.

  19. Default Gravatar
    Kathryn | June 30, 2013

    Does my NAB visa card cover rental car insurance in Ireland?

    • Staff
      Jacob | June 30, 2013

      Hi Kathryn. I had a look at the NAB card insurance policy booklet and it says that there is rental vehicle excess cover provided for interstate trips only. Thanks for your question. Jacob.

  20. Default Gravatar
    wayne | June 17, 2013

    I want to transfer my $8000 credit card debt to a low interest card with NAB or I will transfer to another bank with low rates or zero for 9 months.

    • Staff
      Jacob | June 18, 2013

      Hi Wayne. Thanks for your question. Is NAB your current provider? If so, balance transfers with a promotional rate of interest will only be accepted from non-NAB credit cards, store cards and charge cards. If you’re looking to transfer your outstanding balance to another card under a promotional rate of interest, it will need to be to an institution that is not related to your current provider. You can compare balance transfer credit cards here. Jacob.

  21. Default Gravatar
    Jan | May 6, 2013

    Hi,
    Quick question!
    Does my ‘normal’ NAB visa credit card cover me for any collision damage on a rental car as I understand a platinum/gold does?
    Thanks.
    Jan.

    • Staff
      Jacob | May 6, 2013

      Hi Jan. Thanks for your question. Can you please be a little more specific about the card? The NAB Low Fee and Low Rate Card do not offer complimentary international travel insurance. Jacob.

  22. Default Gravatar
    Dane | May 2, 2013

    I have a credit card that is over the limit but want to transfer balance to one a with lower interest rate . Will I be able to transfer the over the limit funds or just the amount for the card?

    • Staff
      Jacob | May 2, 2013

      Hi Dane. Thanks for your question. You will be able to enter an amount to transfer from your old card, and provided that it’s within the maximum percentage of your approved credit limit set by the provider, you will be able to transfer the funds. Jacob.

  23. Default Gravatar
    aurel | April 25, 2013

    how to transfer points from visa card to frequent flyer

    • Staff
      Jacob | April 25, 2013

      Hi Aurel. Thanks for the question. When you apply for a frequent flyer credit card that is linked to a credit card, you also need to link you existing frequent flyer membership, or join a frequent flyer program and then link it to your credit card. You do this during the application process. Once this is done, when you spend frequent flyer points are automatically credited to your frequent flyer membership. Jacob.

  24. Default Gravatar
    Tony | April 19, 2013

    Is there travel insurance cover when I pay my travel expenses with my platinum one visa or american express card and if yes is there an excess?

    • Staff
      Jacob | April 19, 2013

      Hi Tony. Thank for your question. According to the policy insurance booklet (I’ve sent it to your email), ‘Your cover under this NAB Platinum Overseas Travel Insurance is deemed to have been activated if:
      • you are a current NAB platinum cardholder; and
      • prior to the commencement of your journey, you have paid 100% of your return overseas transport costs (airfares and/or cruise costs) including charges, fees and/or taxes with your NAB platinum card account.’
      Excesses vary depending the claim you’re making, so please refer to the policy booklet for further information about this. Jacob.

  25. Default Gravatar
    Keith | April 18, 2013

    Can I go online to find out my balance?
    Keith

    • Staff
      Marc | April 18, 2013

      Hello Keith,
      thanks for the question.

      NAB allows cardholders to check their balance through NAB Internet Banking. To log on simply visit the NAB website and enter your login details in the top right of the page. Through NAB Internet Banking you’ll also be able to view your credit cards credit limit, next payment due date and minimum payment due.

      I hope this helps,
      Marc.

  26. Default Gravatar
    Linda | April 10, 2013

    Can the card be in my name but the balance being transferred be in my spouses name ?
    What is the upper limit on this card?

    • Staff
      Jacob | April 11, 2013

      Hi Linda. Thanks for your question – great question. So, NAB allow you to transfer a balance from a credit card in one person’s name to a card in another person’s name. We made a page on this topic, you can find it here. The credit limit is determined by the information you provide during the application. You can elect a credit limit when you apply, but the decision rests with the lender as to whether they actually give you that limit. NAB allow you to transfer up to 70% of your approved credit limit – you can find more information on this topic here. Jacob.

  27. Default Gravatar
    Helen | April 5, 2013

    i have your flybuys credit card i would like to know if i gave my flybuys number to you when applying for credit card

    • Staff
      Jacob | April 5, 2013

      Hi Helen. Thanks for your question. We are not affiliated with NAB. Please contact them directly for an answer to your question. Jacob.

  28. Default Gravatar
    Terry | March 26, 2013

    Is their an age limit on travel insurance?

    • Staff
      Jacob | March 26, 2013

      Hi Terry. Thanks for your question. According to the NAB Credit Card Insurance Booklet: ‘NAB cardholders under 90 years of age are eligible for cover under the Overseas Travel Insurance Plan. Limits to cover and sum insureds apply to NAB cardholders who are aged between 76 years and under 90 years of age at the time of your loss.’ I’m going to send the terms and conditions to you via email if you would like to look into this a little further. Jacob.

  29. Default Gravatar
    Karen | March 25, 2013

    Can I combine 2 cards onto the one card?

    • Staff
      Jacob | March 26, 2013

      Hi Karen. Thanks for your question. You are able to consolidate the balance of multiple credit card debts onto the one card taking advantage of a balance transfer promotional rate of interest. NAB allow a balance transfer from a maximum of two cards. In the application, when you elect for a balance transfer, enter the credit card numbers and the amounts you wish to transfer. NAB allow a maximum balance transfer of 70% of the approved credit limit. For example, if you had a $1,000 credit limit on your new card, you’d be able to transfer a maximum of $700 from another credit card.

Credit Cards Comparison

Rates last updated January 30th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
ANZ Low Rate
ANZ Low Rate
A low rate on purchases, balance transfer and a low annual fee. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
Citi Simplicity Card
Citi Simplicity Card
$0 annual fee credit card with a long term balance transfer offer. 19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
Low ongoing interest rate on purchases and balance transfers. 0% p.a. for 12 months (reverts to 13.99% p.a.) 0% p.a. for 12 months $59 p.a. 21.74% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Receive 7500 Qantas Points and pay no annual fee ever. Plus earn 1 Qantas Point per $1 spent on all your everyday purchases. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.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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