NAB Credit Cards

NAB is a provider of credit cards, credit card insurance, home loans and personal loans, bank accounts, investment products, superannuation funds, home insurance, life insurance, car insurance, travel insurance, travel money, and more.

Compare NAB Credit CardsNAB bank

If you’re considering an NAB card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by purchase rate (lowest to highest).

 

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Types of NAB Credit Cards

There are 12 different types of NAB credit card on Canstar’s database:

NAB bank Outstanding Value winner NAB Rewards Platinum Card
NAB Rewards Signature Card
NAB Rewards Classic Card
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Card
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Signature Card
NAB Qantas Rewards Card
NAB Premium Card
NAB Low Fee Card
NAB Low Rate Platinum Card
NAB Low Rate Card

All NAB credit cards come with the following benefits:

  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

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NAB Rewards Platinum Card

nab rewards platinum card

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Rewards program: Earn NAB Rewards Points on purchases made using the card. Complimentary insurances included with card. Visa Front Line Access included with card.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Use Visa payWave to make contactless payments less than $100 without a PIN and over $100 with a PIN.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.

Source: NAB

NAB Rewards Signature Card

FeaturesNAB Rewards Signature Card

  • Card type: Visa
  • Minimum credit limit: $15,000
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Rewards program: Earn NAB Rewards Points for money spent using the card. On the special offer earn 75,000 bonus NAB Rewards Points when you spend at least $4,000 within the first 60 days. Customers can also earn 2.5 NAB Rewards Points for every dollar spent for the first 6 months (capped at $10,000 per month).
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC, smartphone sticker, and tokenisation.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.

NAB Rewards Classic Card

nab rewards classic card

Features

  • Card type: Visa
  • Minimum credit limit: $500
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Rewards program: Earn NAB Rewards Points on purchases made using the card. Complimentary insurances included with card. Visa Front Line Access included with card.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Use Visa payWave to make contactless payments less than $100 without a PIN and over $100 with a PIN.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.

NAB Low Rate Platinum Card

NAB Low Rate Platinum

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Rewards program: Complimentary insurances included with card. Visa Front Line Access included with card.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Use Visa payWave to make contactless payments less than $100 without a PIN and over $100 with a PIN.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.

NAB Velocity Rewards Premium Card

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.
  • Rewards program: Earn Velocity Rewards points for money spent using the card.

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NAB Velocity Rewards Card

Features

  • Card type: Visa
  • Minimum credit limit: $500
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.
  • Rewards program: Earn Velocity Rewards points for money spent using the card.

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NAB Qantas Rewards Platinum Card

NAB Qantas Rewards Platinum card

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.
  • Rewards program: Earn Qantas Frequent Flyer Points for money spent using the card.

NAB Qantas Rewards Signature Card

NAB Qantas Rewards Signature CardFeatures

  • Card type: Visa
  • Minimum credit limit: $15,000
  • Rewards program: Earn Qantas Frequent Flyer Points for money spent using the card. On the special offer earn 75,000 bonus Frequent Flyer Points when you spend at least $4,000 within the first 60 days.
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC, smartphone sticker, and tokenisation.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.

NAB Qantas Rewards Card

NAB Qantas Rewards Card

Features

  • Card type: Visa
  • Minimum credit limit: $500
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Visa to reduce online fraud.
  • Rewards program: Earn Qantas Frequent Flyer Points for money spent using the card.

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NAB Premium Card

Premium Card

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.

Source: NAB

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NAB Low Fee Card

NAB Low Fee Standard Card

Features

  • Card type: Visa
  • Minimum credit limit: $500
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.

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NAB Low Rate Card

NAB Low Rate Standard

Features

  • Card type: Visa
  • Minimum credit limit: $500
  • Additional cardholders: Add one additional cardholder at no extra cost.
  • Digital wallet: Smartphone payments via digital wallet are enabled for custom digital wallet solutions visa Android NFC or smartphone sticker.
  • Contactless payments: Make payments under $100 by tapping your credit card.
  • Online: Card can be managed through online banking and mobile app.
  • Emergency card replacement: 24/7 emergency assistance if your card is lost or stolen.
  • Security: Card is protected by NAB Defence against fraudulent transactions, and if fraud occurs NAB will refund your money. Card is also protected by Verified by Visa to reduce online fraud.

Compare Low Rate Credit Cards

CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.
If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information. 

NAB FAQs

To apply for any of the NAB credit card products, you must be able to satisfy the following criteria:

  • At least 18 years old.
  • Permanent Australian resident.
  • Good credit rating.
  • If self-employed, you will need your accountant’s phone number.

For more information on eligibility requirements, refer to the NAB website.

First, check whether you are eligible to apply for a NAB credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online – it takes around 15 minutes, according to NAB. Have your ID and income details handy and check our list of documentation you may need when applying for a credit card. If you are not earning a regular income or salary, NAB recommends that you call them on 13 13 12 (open 7 days Mon-Sun) rather than applying online, so that they can process your application on a more personalised basis.

You can expect to receive a response in less than 60 seconds (NAB). If your application is approved, it is subject to verification – and if it is verified, then you can expect to receive your credit card. In some cases, you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time by calling 1300 361 138 (open Mon-Fri).

Your official card will take approximately 5 working days to arrive after your card is approved (NAB).

You can manage your NAB credit card through online banking using the NAB online banking website or the NAB mobile banking app. Use online banking or mobile banking to do things like temporarily block a misplaced card, unblock a card once found, permanently block a lost or stolen card, and request a replacement for a damaged card.

NAB online banking also has the NAB Money Tracker feature where you can set budgeting targets for customised expense lists, view all accounts and cards at once, and more. 

When interest is charged

Interest is charged when you carry a balance on your NAB credit card. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

Interest is charged on all purchases made using the Visa One Fee-Free credit card from NAB, as this credit card does not offer any interest-free days.

When interest is not charged

Up to 44 or 55 interest-free days apply to NAB credit card purchases (depending on your choice of card). Interest-free days only apply if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed). The number of interest-free days available to you will be listed on your credit card statement or in the key facts sheet for your card.

Your credit limit for a NAB credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. Find out more about how credit limits are determined here.

You can request a decrease or increase to your credit limit by calling NAB on 13 22 65 (open 7 days Mon-Sun) or +61 3 8641 9083 (from overseas). You cannot lower your credit limit to less than the amount you currently owe (the balance of your card) or the minimum credit limits applying to NAB credit cards:

  • NAB Premium cards: $6,000
  • Other NAB credit cards: $500

Additional information regarding your financial situation will be required if you are requesting an increase in your credit limit, and this request may take several days to process. Decreases in credit limit are processed as soon as possible.

You can close your NAB credit card account at any time by contacting NAB:

  • Credit Card Enquiries: Phone 13 22 65 (within Australia) (open 7 days Mon-Sun) or +61 3 8641 9083 (from overseas)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the Credit Card Enquiries team and ask to speak to a financial hardship team member to get help in making repayments.

If you are closing your NAB credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

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NAB was founded in 1981 and is one of the big four banks in Australia. They serve over 12.7 million customers worldwide and employ over 42,000 people.

NAB works hard to meet its corporate responsibility , and gives annual community grants to support community and charitable organisations making a positive impact. Through the Start Counting program, NAB is empowering women to improve their financial literacy and develop strong money habits. They also intentionally invest in young entrepreneurs through the $20 Boss project, Work Inspiration and High Resolves, and sponsoring the Alannah and Madeline Foundation since 2003 to prevent bullying. Through the NAB Foundation, NAB has donated millions to many Australian mental health organisations such as The Black Dog Institute, Smiling Minds, and STREAT. You can read more about NAB’s work including microfinance projects, sports sponsorship, and volunteering and giving in the 2015 Dig Deeper report.

As for protecting the environment , NAB was leader of the pack as Australia’s first carbon neutral bank. They have also invested $1.8 billion over the last 8 years for financing renewable energy and natural resources. They also work hard to conserve water and other scarce resources, and to reduce waste, with 75% less going to landfill now than in 2013.

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NAB Credit Cards

CANSTAR Research
Rating:
Award: 3-Star Rating - Credit Card

Low Rate, Low Fee, Frequent Flyer, Rewards

Low Fee Visa Card, Low Rate Card, Premium Visa Card, Qantas Rewards Card, Velocity Rewards (Premium) Card

View the 2017 Credit Card Star Ratings Report

Showing Rewards products in Canstar’s database with links to lenders’ websites. The display is sorted by purchase rate (lowest to highest) for credit cards that offer signup bonuses to consumers for a spend of $5,000 per month.

Table only displays five products. Click here to see more. Be sure to read the full terms and conditions of each deal before signing up.

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Written by: William Jolly | Last updated: