NAB credit cards
Compare NAB credit cards. Apply for a new card with some of the most competitive interest rates and rewards.
Comparing of 11 NAB credit cards
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
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
Cons
Balance transfer
N/A
Purchase rate
13.49% p.a. ongoing
Interest-free days
55 days
Annual fee
$59.00 p.a. ongoing
Highlights
- Receive $300 cashback when you spend $1,500 on purchases within 90 days from account opening.
- With a low annual fee of $59, this card helps keep your costs manageable.
- Apply online in minutes and get a response in 60 seconds.
Pros
Cons
Balance transfer
24 months at 0% p.a.
Purchase rate
13.49% p.a. ongoing
Interest-free days
55 days
Annual fee
$59.00 p.a. ongoing
Highlights
- Get 0% p.a. on balance transfers for 24 months with a 3% balance transfer fee. Reverting to a variable cash advance rate of 21.74% p.a. after the promotional period.
- With a low annual fee of $59, this card helps keep your costs manageable.
- Apply online in minutes and get a response in 60 seconds.
Pros
Cons
Balance transfer
12 months at 0% p.a.
Purchase rate
20.99% p.a. ongoing
Interest-free days
44 days
Annual fee
$195.00 for 1st year
Highlights
- Earn up to 70,000 bonus Qantas Points. Get 60,000 bonus points when you spend $2,000 on everyday purchases within the first 60 days of account opening and 10,000 bonus points when you keep your card for over 12 months. Terms and Conditions apply.
- Save $100 with a reduced first-year annual fee of just $195 p.a. (down from $295 p.a.)
- Earn 1 Qantas Point per $1.5 spent on everyday purchases up to $3,000 per statement period, and 1 Qantas Point per $3 spent thereafter (capped at $6,000).
- Includes complimentary Qantas Frequent Flyer membership, saving $99.50.
Pros
Cons
Balance transfer
12 months at 0% p.a.
Purchase rate
20.99% p.a. ongoing
Interest-free days
44 days
Annual fee
$320.00 for 1st year
Highlights
- Earn up to 120,000 bonus Qantas Points. Get 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points when you keep your card for over 12 months. Terms and Conditions apply.
- Save $100 with a reduced first-year annual fee of just $320 p.a. (down from $420 p.a.).
- Get a FREE Qantas Frequent Flyer membership, saving you $99.50.
- Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period, and 0.5 Qantas Points per $1 spent thereafter (capped at $20,000).
Pros
Cons
Balance transfer
12 months at 0% p.a.
Purchase rate
20.99% p.a. ongoing
Interest-free days
44 days
Annual fee
$288.00 p.a. ongoing
Highlights
- Earn 3 NAB Reward Points on all purchases made online with Webjet.
- Earn 1.5 NAB Reward Points on every $1 spend on eligible purchases.
- No cap on the number of points you can earn, although the earn rate reduces to 0.5 points on spend above $15,000 in a statement period.
- No foreign transaction fees on purchases or when shopping from overseas online stores.
Pros
Cons
Balance transfer
12 months at 0% p.a.
Purchase rate
20.99% p.a. ongoing
Interest-free days
44 days
Annual fee
$30.00 p.a. ongoing
Highlights
- Receive $200 cashback when you spend $1,500 on purchases within 90 days from account opening.
- Get 0% p.a. on balance transfers for 12 months with a 3% fee, reverting to a 21.74% p.a. cash advance rate—a useful option for consolidating debt.
- A low $30 annual fee makes it affordable for budget-conscious cardholders.
Pros
Cons
Balance transfer
N/A
Purchase rate
18.5% p.a. ongoing
Interest-free days
44 days
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
Cons
Balance transfer
N/A
Purchase rate
18.5% p.a. ongoing
Interest-free days
44 days
Annual fee
$295.00 for 1st year
Highlights
- Get 200,000 bonus Qantas Points when you spend at least $4,000 on eligible business purchases within 60 days. Terms and Conditions apply.
- Earn 0.67 Qantas Points per $1 spent.
- Earn 1 bonus point for every dollar spent on eligible Qantas services
- It comes with free Qantas Business Rewards membership, saving you $89.50 upfront.
Pros
Cons
Balance transfer
12 months at 0% p.a.
Purchase rate
20.99% p.a. ongoing
Interest-free days
44 days
Annual fee
$45.00 for 1st year
Highlights
- Earn up to 100,000 bonus points. Get 80,000 bonus points upon spending $1,000 in the initial 60 days from the account approval date and an additional 20,000 bonus points when you keep your card for over 12 months. Terms and Conditions apply.
- Earn 2 points on Webjet purchases, 1.5 NAB Rewards Points at eligible grocery stores, and 1 point on all other spending.
- Redeem your points for cashback gift cards and travel deals.
- Automatically redeem points to your flybuys, Velocity, or Accor Live Limitless account every week.
- You can also transfer your NAB Rewards Points to Singapore Airlines KrisFlyer Miles, Cathay Membership Programme, or Air New Zealand Airpoints.
Pros
Cons
Balance transfer
N/A
Purchase rate
12 months at 0% p.a.
Interest-free days
55 days
Annual fee
$0.00 for 1st year
Highlights
- Get 12 months at 0% p.a. on purchases, then the rate reverts to 13.25% p.a.
- The ongoing 13.25% p.a. rate on purchases and cash advances is relatively low.
- You can easily add and manage multiple employee credit cards under one facility for streamlined tracking and control.
Pros
Cons
More about NAB credit cards
Learn about applying for a NAB credit card and how you can take advantage of their benefits.
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