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

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NAB Low Fee Credit Card

Not available for application via this website

NAB Low Fee Credit Card

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

  • Earn a $200 cashback when you meet the criteria.
  • Apply online in minutes and get a response in 60 seconds.
  • Get an additional cardholder at no extra cost.
  • The credit limit starts at $1,000, making it a good option for those seeking a manageable starting limit
  • The Complimentary Purchase Protection Insurance allows you to shop with confidence.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Includes Fraud protection.
  • Compatible with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.

Cons

  • As a low-fee credit card, it doesn't earn rewards.
  • Ongoing interest on purchases and cash advances is not low.
  • There’s a 3% balance transfer fee and shorter BT periods compared to other cards.
NAB Low Rate Business Credit Card

Not available for application via this website

NAB Low Rate Business Credit Card

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

  • The first year has no annual fee, saving you $60 upfront.
  • NAB Defence protects your account from credit card fraud.
  • Includes Unauthorized Transaction Insurance for added protection.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Works with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.

Cons

  • This card doesn’t offer travel insurance, but it can still be a good option for those who don’t need it.
  • You will not earn rewards points, but it could be a practical choice for those who prefer a straightforward, low-cost card.
NAB Low Rate Card (Cashback Offer)

Not available for application via this website

NAB Low Rate Card (Cashback Offer)

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

  • Earn a $300 cashback when you meet the criteria
  • The card has a variable purchase rate of 13.49% p.a.
  • Add a cardholder at no extra cost.
  • The credit limit starts at $1,000, making it a good option for those seeking a manageable starting limit.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Includes Fraud protection.
  • Compatible with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.

Cons

  • This card doesn’t have a rewards program, but it may suit those who prefer a straightforward, no-frills option.
  • There is no complimentary insurance, which is typical for a low-rate credit card, but it could still be a good option if you're looking for a low-cost choice.
NAB Qantas Business Signature Credit Card

Not available for application via this website

NAB Qantas Business Signature Credit Card

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

  • The spend requirement is reasonable given the value of the sign-up bonus you'll receive.
  • With Qantas Business Rewards you can save up to 10% on selected flight fares. Plus earn Qantas Points on flights, hotels, fuel, and more with 50+ business partners.
  • Add and manage multiple employee credit cards under one facility for streamlined tracking and control.
  • Comes with access to Visa's global concierge service.
  • Includes complimentary Unauthorised Transaction Insurance and Transit Accident Insurance, offering extra protection on your purchases and travel.
  • The credit limit starts at $5,000, providing businesses with a manageable option to control expenses effectively
  • Supports most digital wallets, including Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, and Samsung Pay.

Cons

  • Does not include complimentary International Travel Insurance.
  • Points are capped at $50,000 per card per statement period.
NAB Qantas Rewards Premium Credit Card

Not available for application via this website

NAB Qantas Rewards Premium Credit Card

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

  • Earn up to 70,000 bonus Qantas Points when you meet the criteria.
  • Redeem your rewards for award flights, products, vouchers, and more options.
  • 0% p.a. on balance transfers for 12 months.
  • Provides complimentary insurance for domestic, interstate, and international travel.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Access 24/7 assistance for travel and lifestyle needs with NAB Concierge Services.
  • Add a cardholder at no extra cost.
  • NAB Defence protects your account from credit card fraud.
  • Supports most digital wallets, including Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, and Samsung Pay.

Cons

  • Points earning capped at $6,000 spent per statement period.
  • The annual fee is higher than other Qantas cards, but the reduced first-year fee offers initial savings.
  • Interest rates are high, which is typical for most rewards-earning cards.
  • A 3% balance transfer fee applies if you choose to use this feature.
NAB Qantas Rewards Signature Card

Not available for application via this website

NAB Qantas Rewards Signature Card

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

  • Earn up to 120,000 bonus Qantas Points when you meet the criteria.
  • Redeem your rewards for award flights, products, vouchers, and more options.
  • 0% p.a. on balance transfers for 12 months.
  • Add a cardholder at no extra cost.
  • Provides complimentary insurance for domestic, interstate, and international travel.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Access 24/7 assistance for travel and lifestyle needs with NAB Concierge Services.
  • NAB Defence protects your account from credit card fraud.
  • Supports most digital wallets, including Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, and Samsung Pay.

Cons

  • Points earning capped at $20,000 spent per statement period.
  • The annual fee is high but the reduced first-year fee offers initial savings.
  • Interest rates are high, which is typical for most rewards-earning cards.
  • A 3% balance transfer fee applies if you use this feature.
NAB Rewards Business Signature Credit Card

Not available for application via this website

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

Not available for application via this website

NAB Rewards Platinum Credit Card

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

  • Earn up to 100,000 bonus Points when you meet the criteria.
  • There’s no cap on the points you can earn.
  • Save $150 with a reduced first-year annual fee of just $45 p.a. (down from $195 p.a.).
  • 0% p.a. on balance transfers for 12 months.
  • Provides complimentary insurance for domestic, interstate, and international travel.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • Add a cardholder at no extra cost.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Access 24/7 assistance for travel and lifestyle needs with NAB Concierge Services.
  • NAB Defence protects your account from credit card fraud.
  • Supports Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.

Cons

  • A 3.5% fee applies to international transactions, which is common to this type of credit card.
  • The high variable purchase rate of 20.99% p.a. and cash advance rate of 21.74% p.a. can make this card costly if you carry a balance.
  • There is a 3% balance transfer fee, which can be added to the balance.
NAB Rewards Signature Credit Card

Not available for application via this website

NAB Rewards Signature Credit Card

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

  • Transfer points from NAB Rewards to Flybuys, Velocity Frequent Flyer, KrisFlyer, Asia Miles, Airpoints, or Accor Live Limitless.
  • Points can be redeemed for cashback, gift cards, and travel with Webjet.
  • Use points to shop the NAB Rewards Store.
  • Mobile insurance covering accidental damage and theft.
  • International and domestic travel insurance.
  • Access to select airport lounges if your flight is delayed by 60 minutes or more.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • 0% p.a. on balance transfers for 12 months.
  • Credit limits start from $15,000, which is more than enough for most.
  • Free additional cardholder, meaning you can put more spend through the card.
  • 24/7 access to the NAB Concierge Service for reservations and assistance.

Cons

  • There is a 3% balance transfer fee, which can be added to the balance.
  • Instead of an annual fee, there is a monthly fee, which is waived if you spend more than $5,000 in the statement period.
  • Up to 44 interest-free days when you pay the statement in full, which is on the low side.
  • Qantas Frequent Flyer is not a transfer partner.
  • Purchase rates are on the high side, if you carry a balance.
NAB StraightUp Credit Card

Not available for application via this website

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

Not available for application via this website

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

Not available for application via this website

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

Not available for application via this website

NAB Variable Rate Personal Loan

Interest rate

From 8.49% (personalised)

Comparison rate

From 9.88% (personalised)

Repayment period

3 years

Application fee

$250.00

Monthly repayment

$639.15

Total repayment

$23,009.40

Highlights

  • Get a variable headline rate of 8.49% p.a.* (for new loans only). The interest rate you get may be different depending on your circumstance.
  • 9.88% 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

Not available for application via this website

NAB Fixed Rate Personal Loan

Interest rate

From 8.49% (personalised)

Comparison rate

From 9.88% (personalised)

Repayment period

3 years

Application fee

$250.00

Monthly repayment

$639.15

Total repayment

$23,009.40

Highlights

  • Get a fixed headline rate of 8.49% p.a.* (for new loans only). The interest rate you get may be different depending on your circumstance.
  • 9.88% 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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