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 Card

On NAB's website

NAB Low Fee Card

Highlights

  • Low $30 p.a. ongoing annual fee.
  • Apply for additional cardholder at no extra cost.
  • Complimentary purchase protection insurance.
NAB Low Fee Platinum Card

On NAB's website

NAB Low Fee Platinum Card

Highlights

  • 24 hour, 7 day Platinum Concierge Service.
  • 7 types of complimentary insurances including overseas travel insurance.
  • Apply for additional cardholders at no cost.
  • 6 months at 0% p.a. on balance transfers (2% balance transfer fee applies). Reverts to cash advance rate of 21.74% p.a.
NAB Low Rate Card

On NAB's website

NAB Low Rate Card

Highlights

  • Enjoy 0% p.a. on balance transfers for 20 months with 2% balance transfer fee. Reverts to cash advance rate of 21.74% p.a. after the promotional period.
  • Get this card at a low $59 p.a. annual fee.
  • Get a response in 60 seconds.
NAB Qantas Business Signature Card

On NAB's website

NAB Qantas Business Signature Card

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 Qantas Rewards Premium Card

On NAB's website

NAB Qantas Rewards Premium Card

Highlights

  • Get 30,000 points when you spend $2,500 in 60 days.
  • 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).
  • Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
  • Seven complimentary insurances including overseas travel insurance.
NAB Qantas Rewards Signature Card

On NAB's website

NAB Qantas Rewards Signature Card

Highlights

  • Earn up to 130,000 Qantas Points. Get 100,000 points when you spend $3,000 in the first 60 days from account approval date and an additional 30,000 points after 12 months.
  • 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).
  • Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
  • Seven complimentary insurances when you make an eligible purchase.
NAB Rewards Business Signature Card

On NAB's website

NAB Rewards Business Signature Card

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 Straight Up Credit Card

On NAB's website

NAB Straight Up 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 Straight Up 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.

NAB home loans

NAB Base Variable Rate Home Loan (Owner, Principal and Interest)

NAB Base Variable Rate Home Loan (Owner, Principal and Interest)

Interest rate (p.a.)

2.84%

Comp rate^ (p.a.)

2.84%

Max LVR

80.00%

Application fee

$600.00

Monthly repayment

$1,858.61

Total repayment

$669,099.60

Highlights

  • Flexible repayment options
  • Access to redraw with no fees
  • No early repayment, or ongoing monthly service or annual fees.

Bank promo

  • For new application received from 09 December 2019
NAB Base Variable Rate Home Loan (Investor, Principal and Interest)

NAB Base Variable Rate Home Loan (Investor, Principal and Interest)

Interest rate (p.a.)

3.14%

Comp rate^ (p.a.)

3.14%

Max LVR

80.00%

Application fee

$600.00

Monthly repayment

$1,931.36

Total repayment

$695,289.60

Highlights

  • Flexible repayment options
  • Access to redraw with no fees
  • No early repayment, or ongoing monthly service or annual fees.

Bank promo

  • For new application received from 09 December 2019
NAB Base Variable Rate Home Loan (Investor, Interest only)

NAB Base Variable Rate Home Loan (Investor, Interest only)

Interest rate (p.a.)

3.40%

Comp rate^ (p.a.)

3.75%

Max LVR

80.00%

Application fee

$600.00

Monthly repayment

$1,995.67

Total repayment

$718,441.20

Highlights

  • Flexible repayment options
  • Access to redraw with no fees
  • No early repayment, or ongoing monthly service or annual fees.

Bank promo

  • For new application received from 09 December 2019
NAB Choice Package Variable Rate Home Loan (Owner, Principal and Interest)

NAB Choice Package Variable Rate Home Loan (Owner, Principal and Interest)

Interest rate (p.a.)

3.67%

Comp rate^ (p.a.)

4.08%

Max LVR

90.00%

Application fee

$0.00

Monthly repayment

$2,063.65

Total repayment

$742,914.00

Highlights

  • Flexible repayment options
  • No fees for making extra repayments, so you can get ahead on your mortgage faster.
  • Get discounts and benefits with your variable rate home loan through the NAB Choice Package.
NAB Choice Package Variable Rate Home Loan (Owner, Interest only)

NAB Choice Package Variable Rate Home Loan (Owner, Interest only)

Interest rate (p.a.)

4.24%

Comp rate^ (p.a.)

4.26%

Max LVR

90.00%

Application fee

$0.00

Monthly repayment

$2,211.10

Total repayment

$795,996.00

Highlights

  • Flexible repayment options
  • No fees for making extra repayments, so you can get ahead on your mortgage faster.
  • Get discounts and benefits with your variable rate home loan through the NAB Choice Package.
NAB Choice Package Variable Rate Home Loan (Investor, Principal and Interest)

NAB Choice Package Variable Rate Home Loan (Investor, Principal and Interest)

Interest rate (p.a.)

4.27%

Comp rate^ (p.a.)

4.67%

Max LVR

90.00%

Application fee

$0.00

Monthly repayment

$2,219.00

Total repayment

$798,840.00

Highlights

  • Flexible repayment options
  • No fees for making extra repayments, so you can get ahead on your mortgage faster.
  • Get discounts and benefits with your variable rate home loan through the NAB Choice Package.
NAB Choice Package Variable Rate Home Loan (Investor, Interest only)

NAB Choice Package Variable Rate Home Loan (Investor, Interest only)

Interest rate (p.a.)

4.57%

Comp rate^ (p.a.)

4.75%

Max LVR

90.00%

Application fee

$0.00

Monthly repayment

$2,298.84

Total repayment

$827,582.40

Highlights

  • Flexible repayment options
  • No fees for making extra repayments, so you can get ahead on your mortgage faster.
  • Get discounts and benefits with your variable rate home loan through the NAB Choice Package.

NAB personal loans

NAB Variable Rate Personal Loan

On NAB's website

NAB Variable Rate Personal Loan

Interest rate

From 9.99% (personalised)

Comparison rate

From 10.88% (personalised)

Repayment period

5 years

Application fee

$150.00

Monthly repayment

$640.45

Total repayment

$38,427.00

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.

NAB Fixed Rate Personal Loan

On NAB's website

NAB Fixed Rate Personal Loan

Interest rate

From 9.99% (personalised)

Comparison rate

From 10.88% (personalised)

Repayment period

5 years

Application fee

$150.00

Monthly repayment

$640.45

Total repayment

$38,427.00

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.

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, loans, investments, insurance, financial advice, and more.