Find out why are NAB credit cards popular with millions of Australians
NAB’s recognised awards
NAB has been recognised for providing low-cost products and for their engagement with the community.
Comparison of NAB Credit Cards
Rates last updated November 25th, 2015.
- NAB flybuys Rewards Card
Bonus points offer has been changed from 10,000 to 30,000 until 14 February 2016.
October 12th, 2015
- NAB Velocity Rewards Premium Card
Bonus points offer has been changed from 20,000 to 60,000 until 14 February 2016.
October 12th, 2015
- NAB Low Fee Card
0% for 9 months on purchases and balance transfers. Offer ends 14 February 2016.
October 12th, 2015
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.
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.
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.
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.
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.
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?
How is interest calculated on my NAB credit card?
When is interest charged on my NAB credit card?
What is interest on interest?
How much should I pay off my NAB credit card?
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.