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 Business Card

NAB Business Card

Highlights

  • Have the freedom to set individual cardholder credit limits for employees who need to make purchases.
  • Annual card fee is charged monthly at $9 per card.
  • Low 15.50% p.a. rate on purchases.
NAB Flybuys Card

NAB Flybuys Card

Highlights

  • 6 months at 0% p.a. A one-off 2% balance transfer fee applies.
  • Earn Flybuys Points on your everyday purchases.
  • Seven complimentary insurances including overseas travel insurance.
NAB Low Fee Card

NAB Low Fee Card

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

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 Card

NAB Low Rate Business Card

Highlights

  • 0% p.a. for 12 months on purchases.
  • No annual fee for the first year.
  • Low 13.25% p.a. rate on purchases and cash advances.
NAB Low Rate Card

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 Low Rate Platinum Card

NAB Low Rate Platinum Card

Highlights

  • 15 months at 0% p.a. on purchases.
  • Platinum Concierge Service plus seven complimentary travel insurances.
  • Up to 55 days interest free when you pay in full.
NAB Qantas Business Signature Card

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 Card

NAB Qantas Rewards Card

Highlights

  • Earn Qantas Points on eligible everyday purchases.
  • 6 months at 0% p.a. on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
  • Free membership into the Qantas Frequent Flyer Program saving you $99.50.
NAB Qantas Rewards Premium Card

NAB Qantas Rewards Premium Card

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

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 Business Signature Card

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 Rewards Classic Card

NAB Rewards Classic Card

Highlights

  • Earn 30,000 points when you spend $500 within 60 days of account opening.
  • 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 Rewards Platinum Card

NAB Rewards Platinum Card

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.
NAB Rewards Signature Card

NAB Rewards Signature Card

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 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 home loans

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

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

Interest rate (p.a.)

3.04%

Comp rate^ (p.a.)

3.04%

Max LVR

100.00%

Application fee

$600.00

Monthly repayment

$1,906.94

Total repayment

$686,498.40

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.)

4.74%

Comp rate^ (p.a.)

4.78%

Max LVR

80.00%

Application fee

$0.00

Monthly repayment

$2,344.70

Total repayment

$844,092.00

Highlights

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

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

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

Interest rate (p.a.)

5.49%

Comp rate^ (p.a.)

5.51%

Max LVR

90.00%

Application fee

$0.00

Monthly repayment

$2,552.23

Total repayment

$918,802.80

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.)

7.32%

Comp rate^ (p.a.)

7.48%

Max LVR

90.00%

Application fee

$0.00

Monthly repayment

$3,091.19

Total repayment

$1,112,828.40

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 investing

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

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.