NAB Gold Card – Details & Application
Take advantage of the latest offer on the NAB Gold credit card – available with a Visa or MasterCard
NAB Gold Credit card has a higher credit limit and the advantages of gold status. Enjoy the prestige and benefits of a gold card without a load of fees and exceeding interest repayments.
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
1% p.a. for 12 months |
|---|---|---|
| Interest Rate on Purchases | |
19.74% p.a. |
| Annual Fee | |
$90 |
| Interest Free Period | |
up to 44 days |
| Cash Advance Rate | |
21.74% p.a. |
| Card Type | |
Gold |
| Minimum Income Requirement | |
$50,000 p.a. |
| Credit Card Type | |
Visa |
| Rewards Program | |
Yes |
Learn more about additional NAB Gold Card features:
If you like going for gold, then the NAB Gold Card is the tool for your hip. With the benefits of gold you get to enjoy complimentary insurances which means you will be covered with the NAB Gold Travel Insurance when travelling overseas on your next trip. This deal alone can save you hundreds of dollars.
- Get up to 44 days interest free on purchases.
- Receive a bonus card absolutely free for a partner.
- Emergency travel insurance.
- Choose from NAB Visa Gold Card or NAB Gold MasterCard.
- 19.74% p.a. interest rates.
- $90 annual card fee.
- Special insurances for Gold cardholders including complimentary National Gold Overseas Travel Insurance
- Link to your FlyBuys membership at no extra cost 2
- Additional cardholder at no extra cost
- Convenient banking with NAB Internet and Telephone Banking 6
- Secure online shopping when you register for free with Verified by Visa or MasterCard SecureCode
- VIP Lost Card Cover
- Cardholder extras
To benefit from the NAB Gold Overseas Travel Insurance you simply need to purchase 50% or more of your prepaid travel costs, (this includes the cost of your spouse and any dependent children travelling with you) with your NAB Gold credit card before you leave home. Once you do, you and your family are covered as soon as you start your overseas trip until you return to Australia. The trip can’t be longer than 90 consecutive days at a time. This comprehensive cover can be used for an unlimited number of trips per year.
Advantages of the NAB Gold Credit Card
NAB or the National Australia Bank is the fourth largest credit card issuing agency and one of the largest banking institutions in Australia. The NAB Gold Card offers a wide variety of incentives, benefits, and rewards. The first reward is the FlyBuys program. This program is linked with your Gold Card and awards you rewards points with every purchase, not just travel dollars. It credits your FlyBuys account with one point for every $5 that is spent using the card. The next advantage is that it offers 44 interest free payment days. There are many other benefits to this credit card such as a low annual fee and the ability to add an additional cardholder for no charge. The NAB Gold Card also offers 24/7 emergency travel assistance and complimentary travellers insurance while abroad and free extended warranty coverage on select new items.
Additional Card Features
This Gold Card credit card also offers a free 12 month membership to the VIP Lost Card Cover program. This is a listing of all important credit card information that can be accessed with one call in the event of losing your wallet or all of your credit cards, or in case they are stolen. This service cancels and re-issues all of the credit cards on the list with one phone call. This can be a great asset to those who frequently travel abroad to help prevent being stuck in another country with no access to money. Gold Card members also have access to multiple varieties of wines and accessories and are also eligible for the VISA Entertainment or the MasterCard Applause exclusive programs for shows and other entertainment.
Besides the peace of mind that comes from holding a reputable NAB credit card there are many exclusive features and benefits that are not available with other credit cards. The provider, National Australia Bank is a global competitor in the banking and finance industry, operating in nearly a dozen countries with over 1,700 branches and nearly 3000 ATMs. With coverage capabilities and the solid reputation that NAB carries, holding this card makes an excellent choice for Australians. With a great benefits and incentives package and world class security and customer service, the NAB Gold Card is first class in Australia. To complete the array of impressive reward options, this card can also be linked to your FlyBuys program, awarding customers for their day-to-day shopping expenditures.
Insurances
Special insurances for Gold cardholders: National Gold Overseas Travel Insurance, Purchase Protection Insurance, and Extended Warranty Insurance.
Card Link to Flybuys
Link your NAB Gold Card to your FlyBuys membership at no additional cost and earn points towards a great range of awards as you spend. Even better, you\’ll accumulate points even faster when you:
- use your linked NAB Gold Card and present your FlyBuys card at FlyBuys participating businesses.
- use your linked NAB Gold Card at our bonus points providers.
Read the official terms and conditions
| Minimum Income | $50,000 | Minimum Age | 18 years of age |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $5,000 | Max Credit Limit |
| Annual Fee | $90 | Balance Transfer Fee | |
| Minimum Repayment | 2.5% | Interest Charged From | Purchase Date |
| Late Payment Fee | $5.00 | Over Limit Fee | $0 |
| Overseas Emergency Replacement | $0 | Overseas ATM Balance check | $0 |
| Overseas ATM Withdrawal | $4 | Foreign Currency Conversion Fee |
| Rewards Points per Dollar | 0.2 Point(s) | Points needed for Syd/Mel Return Flight | |
| Points needed for $100 Voucher |
Is there a balance transfer fee?
Hi,
No there are no balance transfer fees for this card. To take advantage of the low rate the balance transfer must be processed at the time of the card application. Please note that whilst there is no balance transfer fee, the balance transfer interest rate still applies and is payable on the balance transferred. Thanks.
Cheers
Jeremy