NAB Gold Card – Details & Application
What happens when I click Apply Now?
- Clicking Apply will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
- Your application will typically take you no more than 10-15 minutes to complete
- Once approved, you will receive your credit card in the mail within 1-2 weeks
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 | |
19.49% 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 |
| Additional Cardholder Fee | |
$0 p.a. |
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.
- 19.49% p.a. interest rates.
- $90 annual card fee.
- Special insurances for Gold cardholders including complimentary National Gold Overseas Travel Insurance
- 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. This program is linked with your Gold Card and awards you rewards points with every purchase, not just travel dollars. 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.
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 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 at our bonus points providers.
Read the NAB Gold Card terms and conditions.
| Minimum Income | $50,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | Good | |
| Min Credit Limit | $5,000 |
| Annual Fee | $90 p.a. | |
|---|---|---|
| Minimum Repayment | 2.50% | |
| 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 | $4.00 | |
| Gambling Transactions Allowed | No | |
| Gambling Transactions Interest Rate | 0.00% |
| Rewards Points per Dollar | 0.2 Point(s) |
|---|
Hi i am thinking of a balance transfer to your qantas FF Gold card. I am already a QFF member and i note your complimentary $82.50 membership which i do not require. Is there any other discount or fee you can waive or reduce EG say 75% of the annual fee ? regards Graeme
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
can I transfer a balance from a Capital One credit card (American account) to this card?
I have two credit cards and would like to transfer both balances. Is that possible?
Hi,
Thanks for the question. In our experience, there haven’t been any widely publicised instances of further discounts, although it cannot hurt to ask.
Cheers,
Jeremy
Hi,
It is possible to transfer the balance of two cards over to the NAB Gold Card provided that the complete amount you wish to transfer is less than 95% of your agreed credit limit and they are not NAB store or credit cards. Cheers.
Jeremy
Hi Jasmine,
Unfortunately you are unable to bring the outstanding balance from an international account over to an Australian credit card taking advantage of the low rate of interest offered through a balance transfer. Thanks for your question.
Cheers
Jeremy
hi i just want to know if am able to apply for this card if i am on a bridging visa 487
I have 2 credit cards from different banks and 1 store card from GE totalling 30K, can these all be transferred?
Hi,
To apply for a NAB credit card you must be a permanent Australian resident. Thanks.
Cheers
Jeremy
Please advise the % of balance transfer? some bank has 100% and some has 95 % etc.
Hi,
Thanks for the question. NAB say that won’t offer 100% of your credit limit for a balance transfer but also say: “the total of the balance transfer amounts is less than the available credit on your NAB Card Account at the time the Balance Transfer is processed.” So this could be interpreted to be 99% or less. Cheers.
Jeremy
Hi Vanessa,
Thanks for your question. For information on transferring multiple balances please refer to our guide here – http://www.creditcardfinder.com.au/can-you-transfer-multiple-credit-cards-with-a-balance-transfer.html – Cheers.
Jeremy
what is the age limit for complimentary travel insurance?
does the travel insurance cover my wife as well
Hi, Can I transfer balance of a personal loan onto this card? Thanks
Hi Julia,
NAB doesn’t allow you transfer personal loans onto the card, but they do have other options for consolidation of debt if you have a personal loan with NAB. Also, Citibank funded credit cards allow you to transfer the balance of a personal loan. Cheers
Jeremy
Hi,
The complimentary travel insurance will cover your spouse. The terms and conditions state that: “eighteen (18) years of age or younger; or (b) twenty-four (24) years of age or younger if they are full time students at an institution of higher learning; and at the time of a covered event giving rise to a claim are primarily dependent upon you for maintenance and support; and who are travelling with you on the journey.” – Cheers
Jeremy
Hi,
Thanks for the question. The following is taken from the NAB Insurance cover terms and conditions: “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 75 years and under 90 years of age at the time of your loss.” Hope this has helped.
Cheers
Jeremy