NAB

For almost 160 years, NAB has been helping its customers with their money. Today, it has more than 30,000 people serving 9,000,000 customers at more than 900 locations in Australia, New Zealand and around the world.

NAB credit cards

Compare
NAB Low Fee Credit Card

NAB Low Fee Credit Card

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

NAB Low Fee Platinum Card

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 Low Rate Business Credit Card

NAB Low Rate Business Credit Card

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.
NAB Low Rate Card

NAB Low Rate Card

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 Business Signature Credit Card

NAB Qantas Business Signature Credit Card

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 Qantas Rewards Premium Credit Card

NAB Qantas Rewards Premium Credit Card

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

NAB Qantas Rewards Signature Card

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 Business Signature Credit Card

NAB Rewards Business Signature Credit Card

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 Rewards Platinum Credit Card

NAB Rewards Platinum Credit Card

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 Rewards Signature Credit Card

NAB Rewards Signature Credit Card

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 StraightUp Credit Card

NAB StraightUp Credit Card

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 investing

nabtrade

nabtrade

Highlights

  • Trade domestic and international shares online from $14.95.
  • Earn a variable 0.40% p.a. on your cash on balances up to $1 million.
  • Trade in the US, UK, Hong Kong and Germany.

NAB money transfer

NAB International Money Transfer

NAB International Money Transfer

Highlights

  • No minimum transfer required. Plus you can trade with over 40 global currencies and send to over 230 countries.
  • A flat transfer fee of $10.
  • You’ll never be charged by an overseas bank for sending an international transfer online.

Pros

  • Convenient, safe, and secure.
  • The $10 flat transfer fee.
  • No minimum transfer is required.

Cons

  • Exchange rate margins apply.
  • Must have an existing account with NAB.

NAB personal loans

Compare
NAB Variable Rate Personal Loan

NAB Variable Rate Personal Loan

Interest rate

From 6.99% (personalised)

Comparison rate

From 7.91% (personalised)

Repayment period

3 years

Application fee

$150.00

Monthly repayment

$622.08

Total repayment

$22,394.88

Highlights

  • Get a variable headline rate of 12.69% p.a.* (for new loans only). The interest rate you get may be different depending on your circumstance.
  • 13.56% p.a. variable comparison rate.
  • With redraw facility.
  • 1-7 years flexible loan term.
  • Borrow from $5,000 up to $55,000.

*The variable headline rate is what the majority of personal loan customers will get or lower.

Disclaimer: The target market determination for this product is available atnab.com.au/TMD

NAB Fixed Rate Personal Loan

NAB Fixed Rate Personal Loan

Interest rate

From 6.99% (personalised)

Comparison rate

From 7.91% (personalised)

Repayment period

3 years

Application fee

$150.00

Monthly repayment

$622.08

Total repayment

$22,394.88

Highlights

  • Get a fixed headline rate of 12.69% p.a.* (for new loans only). The interest rate you get may be different depending on your circumstance.
  • 13.56% p.a. fixed comparison rate.
  • 1-7 years flexible loan term.
  • Borrow from $5,000 up to $55,000.
  • Flexible weekly, fortnightly or monthly repayments


*The fixed headline rate is what the majority of personal loan customers will get or lower.
Disclaimer: The target market determination for this product is available atnab.com.au/TMD

NAB savings accounts

Learn all about

  • Q&As

How long have been NAB been in business?

NAB’s history goes as far back as 1858, when the National Bank of Australasia was established in Melbourne. In 1982 it merged with the Commercial Banking Company of Sydney, and later changed its name to National Australia Bank Limited. Over the past century and a half, NAB has become one of Australia’s ‘Big Four’ banks.

NAB operates in more than 900 locations, with over 30,000 staff servicing nine million customers. In addition to access to NAB branches across Australia, customers can manage their accounts via internet banking and a mobile app, accessing accounts remotely and managing common types of transactions online.

NAB offers financial services catering to both personal and business clients. The bank provides transaction, savings, investment accounts and specialised accounts. Other NAB services include credit cards, personal loans, home loans, share trading, insurance, financial advice, and more.

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