NAB Credit Cards

Looking for a National Australia Bank (NAB) credit card? The table below displays a range of NAB credit cards on our database.

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Editor-in-Chief
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  • Purchase rate p.a. - lowest first
  • Purchase rate p.a. - highest first
  • Reward points per $1 - lowest first
  • Reward points per $1 - highest first
  • Annual fee - lowest first
  • Annual fee - highest first
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.99%
-
$55
dot
0% p.a. interest rate on balance transfers for 24 mths.
dot
2% BT fee applies.
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 234945.
12.99%
-
$59
dot
0% p.a. for 24 months on balance transfers.
dot
Free overseas travel insurance. No FX fees.
dot
3% BT Fee. Ltd time, other fees, T&Cs apply.
Offer
Travel insurance
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.74%
-
$59
dot
0.00% p.a. interest rate on balance transfers for 26 mths. Rate reverts to 21.49% p.a. Balance transfer fee of 2% applies.
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 230686.
20.74%
0.50
uncapped
$0
dot
Points never expire
Fees & charges apply. Australian Credit Licence 230686.
Fees & charges apply. Australian Credit Licence 230686.
promoted
NAB Rewards Signature Card
Fees & charges apply. Australian Credit Licence 230686.
NAB Rewards Signature Card
20.99%
1.50
up to $15,000/month then 0.5 uncapped
$420
Link Not Supplied
Offer
Travel insurance
Fees & charges apply. Australian Credit Licence 230686.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 230686.
promoted
NAB Rewards Platinum Card
Fees & charges apply. Australian Credit Licence 230686.
NAB Rewards Platinum Card
20.99%
1
uncapped
$195
$95 in first year
Link Not Supplied
Bonus
Offer
Discount
Travel insurance
Fees & charges apply. Australian Credit Licence 230686.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 230686.
promoted
NAB Qantas Rewards Signature Card
Fees & charges apply. Australian Credit Licence 230686.
NAB Qantas Rewards Signature Card
20.99%
1
up to $5,000/month then 0.5 capped at $20,000/month
$420
$320 in first year
Link Not Supplied
Bonus
Offer
Discount
Travel insurance
Points never expire
Fees & charges apply. Australian Credit Licence 230686.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 230686.
promoted
NAB Qantas Rewards Premium Card
Fees & charges apply. Australian Credit Licence 230686.
NAB Qantas Rewards Premium Card
20.99%
0.67
up to $3,000/month then 0.33333 up to $6,000/month
$295
Link Not Supplied
Bonus
Offer
Travel insurance
Points never expire
Fees & charges apply. Australian Credit Licence 230686.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 230686.
promoted
NAB Low Fee Card
Fees & charges apply. Australian Credit Licence 230686.
NAB Low Fee Card
20.99%
-
$30
Link Not Supplied
Bonus
Offer
Fees & charges apply. Australian Credit Licence 230686.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 230686.
promoted
NAB Low Rate Card - Balance Transfer Option
Fees & charges apply. Australian Credit Licence 230686.
NAB Low Rate Card - Balance Transfer Option
13.49%
-
$59
$0 in first year
Link Not Supplied
Offer
Discount
Fees & charges apply. Australian Credit Licence 230686.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 230686.
promoted
NAB Low Rate Card - Cashback Option
Fees & charges apply. Australian Credit Licence 230686.
NAB Low Rate Card - Cashback Option
13.49%
-
$59
Link Not Supplied
Bonus
Offer
Fees & charges apply. Australian Credit Licence 230686.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 230686.

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Unsure of a term in the above table? View glossary

The initial results in the table above are sorted by Reward points per $1 (High-Low) , then Annual fee (Low-High) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

promoted
Fees & charges apply. Australian Credit Licence 291313.
Receive 50,000 Bonus Qantas Points
dot
Receive 50,000 bonus Qantas points
dot
Min spend $5k in first 3 months. Offer ends 1 July 2025
dot
T&Cs apply. New Amex Card Members only.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.

About NAB credit cards

National Australia Bank (NAB) is one of the ‘big four’ banks in Australia. NAB is a provider of credit cards as well as a wide range of other banking, investing and insurance products.

NAB was formed in 1981, when two much older banks – the National Bank of Australasia (established in 1858) and the Commercial Banking Company of Sydney (est 1834) – merged. It now employs more than 32,000 people and serves more than 8.5 million customers, according to NAB.

Frequently Asked Questions about NAB Credit Cards

Different types of credit cards may have different eligibility criteria. However, in general, to apply for a NAB credit card, you must meet the following criteria:

  • at least 18 years old
  • receiving a regular income
  • an Australian resident for tax purposes
  • an Australian citizen or permanent resident, or hold an ‘acceptable Temporary Residency Visa’ as defined by NAB
  • have a good credit history
  • agree to a credit check.

Before you apply, it could be a good idea to check your credit score.

For more information on eligibility requirements, visit the provider’s website.

You can apply online for a NAB credit card. Or, if you can’t apply online, NAB says you can visit a branch where a banker assistant can help you to apply.

NAB’s website has links to their online application portal. If you are an existing NAB customer, you can log in to their site with your NAB ID, and some of your form will be pre-filled automatically.

To be able to use your credit card, you need to set up online banking with NAB. You can do this on a device or a computer, and NAB has an online banking app that you can download.

You will also need to register for NAB’s SMS Security service. This allows NAB to send you a unique authorisation code to use with online banking, such as when setting your PIN.

When you are approved for a credit card, you may be able to start using your card straight away for online purchases and in your compatible digital wallet.

NAB will mail you the physical card. When you receive this, you can activate it via their online banking system. You also must add your signature to the back of the card. Then, you need to go into your online banking account and set your card’s PIN (Personal Identification Number).

You may also need to verify your identity to the bank, NAB states, if you have not previously. To do so, you need to have a photographic ID document (such as a passport or drivers licence), another form of ID (such as a birth certificate or Seniors card), and a ‘secondary’ ID document (such as a utility bill in your name with your address).

NAB states that interest is charged daily, except where the amount is in an ‘interest free’ period. The interest is then charged at the end of the ‘statement period’, which is usually around 30 days.

The daily interest rate is applied to any outstanding balance on the card at the end of each day. The daily interest rate is calculated by taking the applicable annual interest rate and dividing it by 365. NAB states that the “applicable annual interest rate depends on the type of transaction, whether an interest free period applies and any special promotional rates that may be available to you”.

Interest accrues until the card is paid off in full and late fee charges may apply if the minimum payment amount is not paid by the due date.

What credit limit you will have on a NAB credit card depends on a number of factors, such as the type of credit card, how much credit you have applied for, and what credit limit NAB will grant you after it performs a credit assessment. NAB states that your “offer details sets out important financial information specific to your card – such as the credit limit, interest rates, minimum payments and fees and charges”.

You can lower or increase the credit limit of your card via the NAB banking app or online, after logging in. In the ‘cards’ menu, there is an option that allows you to change your credit limit.

While it is an instant process to decrease your credit limit, it may take longer to increase it. This is because NAB may have to perform another credit check.

NAB states that you can close your credit card online or via the app. The bank recommends using the ‘live chat’ function to do this.

The primary cardholder is the only person who can close the card, and is responsible for paying off the outstanding balance on the card, as well as any fees or charges.

Latest in credit cards

Canstar Credit Card Star Ratings and Awards

Looking for an award-winning credit card product or to switch providers or brands? Canstar rates products based on price and features in our Credit Card Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall.

Canstar rates a range of financial products, covering banking, insurance and investment. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.

Credit Card Star Ratings and Awards

About the authors

Nina Rinella, Editor-in-Chief

Nina Rinella
As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists committed to helping empower consumers to take greater control of their finances. Nina has written countless articles about finance and has been interviewed on finance topics by media organisations including The Australian, Realestate.com.au, Domain, the Herald Sun and the Sydney Morning Herald. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for 8 years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids. Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series. You can follow her on LinkedIn and Canstar on Facebook. Meet the Canstar Editorial Team. Have a media enquiry, and interested in featuring Nina as a financial expert and commentator? Contact Canstar’s Media Team today.

Joshua Sale, GM, Research

Joshua Sale
Joshua Sale is responsible for developing the methodology and delivering Canstar’s flagship Star Ratings, as part of Canstar’s Research Team. With tertiary qualifications in economics and finance, he enjoys helping Australians find more suitable financial products by transforming complex calculations into a consumer-friendly Star Rating that explains the values and benefits of different financial products. As one of Canstar’s company spokespeople, Joshua is confident participating in print, radio and broadcast journalism interviews. He has participated in interviews with the Australian Financial Review, news.com.au and Money Magazine, along with other leading media outlets, discussing topics such as home loan equity, banking incentive schemes, digital wallets and wider finance trends. You can follow Joshua on LinkedIn. Have a media enquiry, and interested in featuring Joshua as a financial expert and commentator? Contact Canstar’s Media Team today.

 


Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

The Credit Cards Star Ratings are updated daily based on product features at that date, except for the Overseas Travel profile which is updated annually. Current rates, product features and fees are displayed and may be different to what was rated. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. Depending on which card feature/use you are looking at, the results will be sorted as follows:

  • Low fee is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Rewards is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Frequent Flyer is sorted by Star Ratings, then highest airline points per dollar, then alphabetically by brand.
  • Balance Transfer is sorted by Star Ratings, then lowest balance transfer rate, then lowest rate for the longest period, then lowest revert rate, then lowest upfront fee, and then alphabetically by brand. Please note that Balance Transfer Star Ratings are not for balance transfer suitability but are instead based on the Low Rate profile. 
  • All card types is sorted by highest Points per dollar spent, then lowest Annual fee, then alphabetically by brand.
  • Overseas Travel is sorted by Star Ratings, then lowest currency conversion on purchases, then lowest annual fee.

 

You can use the sort buttons at the top of each column to re-order the display. Learn more about our Credit Cards Star Rating Methodology and our Travel Credit Card and Travel Debit Card Star Ratings Methodology. The Occasional Overseas Traveller rating is shown in the table. The rating shown is only one factor to take into account when considering products. 

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. Canstar provides information about credit products. We’re not suggesting or recommending a particular credit product for you. If you decide to apply for a Credit Card, you will deal directly with the provider, not with Canstar. It’s important you check rates and product information directly with the provider. Consider the Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the TMD. For more information, read our Detailed Disclosure.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

Before you elect to terminate or modify existing lending arrangements, it is recommended that you consider all associated fees and application costs, as well as the timing and impact these changes could have on your wider financial arrangements and personal circumstances.