NAB credit cards

Compare NAB credit cards. Apply for a new card with some of the most competitive interest rates and rewards.

By Yvonne Taylor | Verified by David Boyd | Updated 5 Sep 2024

Comparing NAB credit cards

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NAB StraightUp Credit Card

Balance transfer

Purchase rate

Annual fee

Highlights

Get the newest credit card from NAB - simple, cheap and most of all no interest charges!
No Use, No Pay. If you don't use your NAB StraightUp credit card during the whole statement period, the monthly fee will be reversed. No surprise charges!
Use your card to pay foreign currency and enjoy no foreign transaction fees!
Predictable fixed minimum payments based on your credit limit, giving you certainty of what to pay each month.

Pros

Charges a monthly fee based on your selected credit limit.
The monthly fee will be reversed if you do not have any outstanding balance or purchase.
No interest charges or other fees, including foreign currency fees and late payment fees.

Cons

No rewards program for this card.
No balance transfers or cash advances.

NAB Low Rate Card

Balance transfer

28 months at 0% p.a.

Purchase rate

13.49% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

Experience 0% p.a. on balance transfers for 28 months with a 2% balance transfer fee. Reverting to a variable cash advance rate of 21.74% p.a. after the promotional period.
Initial $0 annual card fee for the first year ($59 p.a. thereafter).
Receive a response within 60 seconds.

Pros

0% p.a. on balance transfers for 28 months.
A variable purchase rate of 13.49% p.a.
The waived annual fee for the first year.
Additional credit card is free.

Cons

There is a 2% balance transfer fee.
No rewards program for this card.
No insurance coverage.

NAB Qantas Rewards Premium Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$150.00 for 1st year

Highlights

Get 70,000 bonus Qantas Points when you spend $2,000 in the first 60 days.
Reduced first-year annual fee of $150 p.a. instead of $250 p.a. (saving you $100).
Earn 1 Qantas Point per $1.5 spent on everyday purchases up to $3,000 per statement period and 1 Qantas Points per $3 spent thereafter (capped at $6,000).
You get Qantas Frequent Flyer membership for free, saving you $99.50.

Pros

The 70,000 bonus Qantas Points.
The discounted annual fee for the first year.
Free Qantas Frequent Flyer membership (a saving of $99.50).
Comes with a host of complimentary insurances when you make an eligible purchase.
Visa Premium Access and NAB Concierge Services 24/7.

Cons

Points earning capped at $6,000 spent per statement period.
Higher annual fee compared to other Qantas cards.
Interest rates are high, which is typical for most rewards-earning cards.

NAB Qantas Rewards Signature Card

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$295.00 for 1st year

Highlights

Gain up to 120,000 bonus Qantas Points. Acquire 90,000 bonus points upon spending $3,000 within the initial 60 days from account approval date and an additional 30,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
Benefit from 0% on balance transfers for 12 months with a 3% Balance Transfer Fee.
First-year annual fee reduced to $295 p.a. from $395 p.a. (saving you $100).

Pros

Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
Six complimentary insurances when you make an eligible purchase.
Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period then 0.05 pts per $1 spent thereafter (capped at $20,000).

Cons

Annual fee of $395 p.a. is quite high.

NAB Rewards Signature Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$145.00 for 1st year

Highlights

Earn up to 160,000 bonus Points. Obtain 120,000 bonus points upon spending $3,000 within the initial 60 days from the account approval date and an additional 40,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
Benefit from a reduced annual card fee of $145 p.a. for your first year (reverts to $295 p.a. thereafter).
Accrue 2.5 points on purchases made in major department and hardware stores.
Gain 1.25 points for every $1 spent on everyday purchases.

Pros

Earn up to 160,000 bonus NAB Rewards Points when you meet the criteria.
The discounted $145 annual fee on the first year.
0% p.a. on balance transfers for 12 months.
Includes international travel insurance.

Cons

Only 44 interest-free days.
There is a 3% balance transfer fee.

NAB Low Fee Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.74% p.a. ongoing

Annual fee

$30.00 p.a. ongoing

Highlights

Receive $200 cashback when you spend $1,500 on purchases within 90 days from account opening.
Low $30 p.a. ongoing annual fee.
12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverting to the variable cash advance rate of 21.74% p.a.

Pros

The opportunity to get a cashback $200.
0% p.a. on balance transfers for 12 months.
Apply for an additional cardholder at no extra cost.

Cons

There is a 3% balance transfer fee.
Ongoing interest on purchases and cash advances is not low.
Doesn't earn rewards.

NAB Low Fee Platinum Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.74% p.a. ongoing

Annual fee

$90.00 p.a. ongoing

Highlights

24 hour, 7 day Platinum Concierge Service.
12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverts to variable cash advance rate of 21.74% p.a.
Access to six complimentary insurances when you make an eligible purchase.

Pros

12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverts to variable cash advance rate of 21.74% p.a.
Low ongoing $90 annual fee.
Complimentary insurance including international travel insurance.
Access to the 24 /7 NAB Concierge Service.

Cons

There's a 3% fee on balance transfers.
You can't earn rewards points with this card.
Up to 44 days interest-free, which is shorter than the 55 days on many other cards.

NAB Rewards Business Signature Credit Card

Balance transfer

Purchase rate

Annual fee

$175.00 p.a. ongoing

Highlights

100,000 NAB Rewards Points when you spend $4,000 on everyday purchases in 60 days.
Triple the earn rate on overseas spending or purchases made at overseas stores and suppliers from Australia.
Double the earn rate on purchases made at partner department and hardware stores.

Pros

Receive a generous 100,000 bonus NAB Rewards Points when you spend $4,000 on everyday business purchases within 60 days of opening your account.
Earn 1.25 NAB Rewards Points per $1 spent on eligible everyday business purchases, with no cap.
ATO payments earn NAB Rewards Points at the same rate as everyday purchases.
NAB Rewards Points can be transferred to several other airline rewards programs, making it easier to find an awards seat.
Up to 44 interest-free days on purchases, giving you more flexibility and breathing room with your business expenses.
Complimentary NAB Commercial Cards Unauthorised Transaction Insurance and NAB Commercial Cards Transit Accident Insurance.
Works with major digital wallets, including Apple Pay, Google Pay, and Samsung Pay.

Cons

Additional cardholders don't come cheap.
Lacks complimentary international travel insurance.
No complimentary airline lounge passes.

NAB Qantas Business Signature Credit Card

Balance transfer

Purchase rate

Annual fee

$295.00 for 1st year

Highlights

Obtain 150,000 bonus Qantas Points upon spending $4,000 on everyday purchases within 60 days.
Accrue 0.67 Qantas Points per $1 spent.
Include additional cardholders, each with personalized credit limits.

Pros

Earn 150,000 bonus Qantas points by spending $4,000 on eligible business purchases within 60 days of account opening.
Up to 44 interest-free days on business purchases.
Comes with access to Visa's global concierge service, complimentary unauthorised transaction insurance, and transport accident insurance.
Add multiple additional cardholders, each with individual credit limits.
Supports most digital wallets, including Apple Pay, Google Pay, and Samsung Pay.

Cons

Lacks complimentary international travel insurance.
Points are capped at $50,000 per card per statement period.

NAB Rewards Platinum Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$45.00 for 1st year

Highlights

Earn up to 100,000 bonus points. Obtain 80,000 bonus points upon spending $1,000 in the initial 60 days from account approval date and an additional 20,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
Benefit from a reduced first-year annual fee of $45 p.a. instead of $195 p.a. (saving you $150).
Accrue 2 points on purchases made at Webjet. 1 point on all other spend.

Pros

Earn 100,000 bonus Points when you meet the criteria.
The reduced first-year annual fee of $45 p.a.
No earning points cap.
Comes with complimentary insurances including international travel insurance

Cons

There is a 3% balance transfer fee.

NAB Low Rate Business Credit Card

Balance transfer

Purchase rate

12 months at 0% p.a.

Annual fee

$0.00 for 1st year

Highlights

12 months at 0% p.a. on purchases. Reverts to variable purchase rate of 13.25% p.a.
Low ongoing 13.25% p.a. rate on purchases and cash advances.
No annual fee for the first year.

Pros

The 0% special introductory interest rate offer on purchases.
$0 annual fee on the first year ($60 p.a. thereafter).
Low interest rate on cash advances and purchases.
Up to 55 days on business purchases.

Cons

No travel insurance.
Doesn't earn rewards points.

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More about NAB credit cards

Learn about applying for a NAB credit card and how you can take advantage of their benefits.

FAQs

If I want a NAB credit card, do I have to start banking with NAB?

No. You can apply for a card from NAB and, if approved, keep it separate from your existing bank. There is no need to switch banks.

What types of cards do they offer?

NAB has a large number of offers, with each tailored towards a different need.

Balance transfers: Many of NAB’s credit cards feature a low or 0% balance transfer interest rate, for periods which can range from the first six months to much longer periods when special offers are available.

Rewards points: NAB’s range of credit cards includes packages that offer great rewards giving you the chance to earn points on everyday transactions and redeem them for a wide selection of products and services. Options include NAB’s in-house program, NAB Rewards, as well as cards which earn Qantas Frequent Flyer points.

NAB Rewards points can be exchanged for merchandise from an online catalogue, travel, retail gift cards, and frequent flyer points with four partner airline programs: Virgin Australia Velocity Frequent Flyer, Air New Zealand Airpoints, Singapore Airlines KrisFlyer and Asia Miles.

NAB also offers cards with low interest rates on purchases, a low annual fee card, and a range of cards for businesses.

How can I earn more rewards points with NAB?

With a NAB rewards credit card, you earn points on everyday purchases, but there is often an opportunity to earn bonus points when you use your card for transactions with each reward scheme’s partner companies.

Some cards also have a large number of bonus points as an introductory offer.

How easy is it to transfer a balance to NAB?

New customers can transfer balances from either one or two cards from other providers. Existing NAB cardholders don’t need to apply for a new credit card to transfer a balance, although the balance transfer interest rate may be higher than the promotional introductory rate for balance transfers offered to new customers.

There may be an upfront balance transfer fee to pay. Check the details for the card before you apply for a balance transfer.

Apart from NAB, most other banks offer balance transfers. Check out our balance transfer comparison to check NAB's offers against various others.

What is my NAB identification number and why is it important?

Your NAB identification number (NIN) is the eight-digit number printed on the reverse of your credit card. Every NAB customer has a unique identification number, used in online and telephone banking and when contacting the NAB service centre, to enable transactions and improve security.

How do I authorise transactions on my NAB card?

You can authorise transactions on your NAB card by using your NIN for telephone or internet transactions, your input PIN at retail checkouts and ATMs, or with contactless technology for transactions under $100 at participating outlets.

How easy is it to transfer money from my NAB bank account to my NAB card?

Once you have your card and NIN, you can set up internet and telephone banking, which will allow access to your account with your NIN and password in order to move money, pay bills and generally manage your account and card.

How can I get a credit limit increase?

Credit card customers may request a credit limit increase. When a request is made, NAB will consider the customer’s credit history and financial circumstances before making a decision, and will also ensure that the customer is aware of the implications of an increase. NAB also allows customers to reduce their credit limit to help manage debts.

Will I need my own Qantas Frequent Flyer account in order to earn points on a NAB card linked to the Qantas Frequent Flyer program?

Yes. If you already have a Qantas Frequent Flyer membership, you can link it to a new NAB card. If you’re not a QFF member, you will need to become one so that you can receive Qantas points. NAB occasionally offers free Qantas membership with certain card offers.

What will I need to fill in the application form?

To apply, you need:

Your email address for NAB to contact you regarding your application;
Your income and expense details;
Your employer’s contact details;
If you are self-employed, your accountant’s contact information;
Details of your debts and property;
An identification document such as your driver’s licence or passport.

How long does it take before I find out about my application and get my card?

You will be given a response online within 60 seconds. If approved, you will usually receive your new NAB credit card by post within 5-10 business days.

Do NAB have any contactless cards?

Yes. All NAB cards have contactless technology that allows payments to be made, without swiping or inserting the card, for transactions below $100. Simply tap or present the card in front of the contactless POS terminal. Cardholders must provide a PIN or signature for purchases over $100, or at stores that do not support contactless smart cards.

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Some of the products and services listed on our website are from partners who compensate us. This may influence which products we compare and the pages they are listed on. Partners have no influence over our editorial staff.

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1 The use of "featured", "popular", "best" and "top" on Finty do not constitute a product rating or recommendation and are subject to our general disclaimer. Calculations in comparison tables will vary based on personal data input.

2 Products with instant approval have a provisional decision within 60 seconds. However, approval of your application is not guaranteed. The credit provider’s final decision is made at their discretion, subject to decisioning criteria.

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