NAB credit cards

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

By   |   Verified by David Boyd   |   Updated 30th September 2022

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Comparing NAB credit cards

NAB StraightUp Credit Card

NAB StraightUp Credit Card

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

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

  • 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

NAB Low Rate Card

Balance transfer

32 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy 0% p.a. on balance transfers for 32 months with no balance transfer fee. Reverts to variable cash advance rate of 21.74% p.a. after the promotional period.
  • $0 first-year annual card fee ($59 p.a. thereafter).
  • Get a response in 60 seconds.

Pros

  • 0% p.a. on balance transfers for 32 months.
  • No balance transfer fee.
  • The waived annual fee for the first year.
  • Additional credit card is free.

Cons

  • No rewards program for this card.
  • No insurance coverage.
NAB Qantas Rewards Premium Card

NAB Qantas Rewards Premium Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$150.00 for 1st year

Highlights

  • Get 70,000 bonus Qantas Points when you spend $2,000 in 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 spent on everyday purchases up to $3,000 per statement period then 0.05 pts per $1 spent thereafter (capped at $6,000).

Pros

  • The 70,000 bonus Qantas Points.
  • The discounted $150 annual fee on the first year
  • Free Qantas Frequent Flyer membership (a saving of $99.50).
  • Six complimentary insurances when you make an eligible purchase.

Cons

  • Points earning capped at $6,000 spend per statement period.
NAB Qantas Rewards Signature Card

NAB Qantas Rewards Signature Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$295.00 for 1st year

Highlights

  • Earn up to 120,000 bonus Qantas Points. Receive 90,000 bonus points when you spend $3,000 in the first 60 days from account approval date and 30,000 bonus points when you keep your card open for over 12 months. Terms and conditions apply.
  • Enjoy 0% on balance transfers for 12 months with 3% Balance Transfer Fee.
  • Reduced first-year annual fee of $295 p.a. instead of $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 Card

NAB Rewards Signature Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$195.00 for 1st year

Highlights

  • Earn up to 140,000 bonus Points. Receive 100,000 bonus points when you spend $3,000 in the first 60 days from account approval date and 40,000 bonus points when you keep your card open for over 12 months. Terms and conditions apply.
  • $195 p.a reduced annual card fee for your first year (reverts to $295 p.a. thereafter).
  • Earn 2.5 points on purchases made in major department and hardware stores.
  • Earn 1.25 points for every $1 spent on everyday purchases.

Pros

  • Earn up to 140,000 bonus Points when you meet the criteria.
  • The discounted $195 annual fee on the first year
  • 0% p.a. on balance transfers for 12 months.
  • Includes international travel insurance.

Cons

  • There is a 3% balance transfer fee.
NAB Low Fee Card

NAB Low Fee Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.74% p.a. ongoing

Annual fee

$30.00 p.a. ongoing

Highlights

  • Enjoy up to $240 credit back. Get $80 back per month for the first three months when you spend $500 per month.
  • Low $30 p.a. ongoing annual fee.
  • 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.

Pros

  • The opportunity to get a cashback up to $240.
  • 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.
NAB Low Fee Platinum Card

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 Card

NAB Rewards Business Signature Card

Balance transfer

N/A

Purchase rate

18.5% p.a. ongoing

Annual fee

$175.00 p.a. ongoing

Highlights

  • 100,000 points when you spend $4,000 on everyday purchases in 60 days.
  • Earn triple points when travelling overseas or overseas purchases made here in Australia.
  • Earn double points on purchases made in major department and hardware stores.
NAB Qantas Business Signature Card

NAB Qantas Business Signature Card

Balance transfer

N/A

Purchase rate

18.5% p.a. ongoing

Annual fee

$295.00 for 1st year

Highlights

  • 100,000 Bonus Qantas Points when you spend $4,000 on everyday purchases in 60 days.
  • Earn 1 Qantas Point per $1.50 spent on everyday business purchases.
  • Fast online application.
NAB Rewards Platinum Card

NAB Rewards Platinum Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$95.00 for 1st year

Highlights

  • Earn up to 80,000 bonus points. Receive 60,000 bonus points when you spend $1,000 in the first 60 days from account approval date and 20,000 bonus points when you keep your card open for over 12 months. Terms and conditions apply.
  • Reduced first-year annual fee of $95 p.a. instead of $195 p.a. (saving you $100).
  • Earn 3.75 points on purchases made online with Webjet, when travelling overseas or on overseas purchases made here in Australia. Earn 2.5 points on purchases made in major department and hardware stores.

Pros

  • Earn 80,000 bonus Points when you meet the criteria.
  • The reduced first-year annual fee of $95 p.a.
  • Earn 3.75 points on purchases made online with Webjet, when travelling overseas or on overseas purchases made here in Australia. Earn 2.5 points on purchases made in major department and hardware stores.

Cons

  • There is a 3% balance transfer fee.

More about NAB credit cards

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

  • FAQs

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.

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 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.

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 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.

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 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.

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 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.

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.

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.

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.