NAB is one of Australia's Big Four banks and offers credit cards to suit pretty much every purpose. This includes cards with balance transfer offers, reward or frequent flyer points, low rates, low fees and business credit cards. In 2022, NAB acquired the Citi consumer business in Australia and is now the issue of several brands including Coles, Qantas Money, Suncorp Bank and Kogan Money.
NAB Credit Card Offer
NAB Low Rate Credit Card
0% p.a. for 28 months on balance transfers $0 annual fee for the first year
Eligibility criteria, terms and conditions, fees and charges apply
NAB Credit Card Offer
Save on card costs with a 0% balance transfer offer and no annual fee in the first year.
0% p.a. on balance transfers for the first 28 months, with a 2% BT fee
$0 annual fee for the first year (reverts to $59 p.a. thereafter)
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
NAB balance transfer credit card offers give you an introductory low or 0% interest rate when you move debt from up to 5 Australian credit cards or store cards that are not issued by NAB.
At the end of the introductory period, any unpaid balance transfer amount will be charged at the card's variable cash advance interest rate. As this is typically high, you'll get the most value from the balance transfer offer when you focus on paying off the balance before you use the card for anything else.
You can request a balance transfer when you apply for a new NAB credit card or at any time on an existing credit card. Just be aware the balance transfer details may be different depending on when you apply. Also take note of any one-time balance transfer fees, along with the other features of the card.
NAB no interest credit card
The NAB Straight Up Card has no interest rate – instead, it charges a flat monthly fee when you use it or carry a balance. The fee is based on your credit limit, with a cost of $10, $15 or $20 that can make it easier to keep track of account costs compared to interest (which can vary in costs). The monthly fee is also waived if you don't have a balance and don't use the card for a statement period.
The NAB StraightUp was the first no interest, flat fee card to be launched in Australia (in September 2020). Since then, 2 other Big Banks have also introduced no interest cards: CommBank and Westpac.
NAB low rate credit cards
The NAB Low Rate Card offers a 12.49% p.a. variable interest rate for purchases, which is much lower than the average standard credit card interest rate in Australia of 19.82% p.a. So this low rate can help keep your interest charges down, although it's still worth looking at the other features and comparing it to other cards.
NAB low fee credit cards
NAB low fee credit cards can help you save on account costs by offering competitive annual fees. The NAB Low Fee Card has all the essential credit card features and the NAB Low Fee Platinum Card comes with complimentary insurance options (including for international travel) as well as a concierge service.
NAB Rewards credit cards
NAB Rewards credit cards offer you points per $1 on all your eligible spending – including groceries, petrol, dining and travel bookings. You can redeem your points for rewards including travel, frequent flyer point transfers (including Velocity Frequent Flyer), gift cards and retail items.
NAB frequent flyer credit cards
NAB Qantas Rewards cards give you a way to earn Qantas Points on your everyday credit card spending, with 1 additional point per $1 on selected spending with Qantas. These cards also offer complimentary Qantas Frequent Flyer membership, which could save you $99.50 on the usual joining fee.
💡Tip: NAB reward and frequent flyer credit cards sometimes have introductory bonus point offers that can fast-track your rewards when you get a new card and meet the spend requirements. They also offer other perks, ranging from complimentary travel insurance and purchase protection insurance to a concierge service. Check the benefits for each card to see what it offers and compare your options.
NAB business credit cards
NAB offers a wide range of business credit cards with features including rewards and frequent flyer points, low rates and additional cards for employees. NAB business credit cards also help you keep personal and business expenses separate if you're a business owner (including sole traders), with detailed statements and option of setting individual limits for additional cards linked to the account. NAB also offers cards for larger corporate accounts.
Benefits of getting a NAB credit card
Each NAB credit card has different features, but here are some of the key benefits you can get:
Mobile payments
NAB credit cards can be used with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay.
NAB credit card complimentary insurance
Some NAB rewards and premium credit cards come with a range of complimentary insurance options for travel and purchases. For details of the insurance available on specific cards, refer to the NAB complimentary credit card insurance booklet (available on the NAB website).
Internet and mobile banking
NAB Internet banking and the mobile app both give you ways to manage your account, make payments to other accounts in Australia and overseas, request a credit limit increase or apply for another NAB product at any time. You can also temporarily block your NAB credit card.
Fraud protection
NAB Defence is a service that helps keep your account safe by detecting suspicious activity. You also get protection with a zero liability policy for fraudulent transactions, which means you'll be refunded if your card is ever used for fraud.
Annual fee waiver – NAB home loan package
If you get a NAB Choice Package home loan, you can get the annual fee waived on a credit card of your choosing. As there are other fees and costs to getting a mortgage, you should learn more about NAB home loans and packages to decide if this will work for you.
💡Tip: If you're an existing NAB customer, you can also check if there are additional credit card offers available to you through the NAB app or internet banking service.
Eligibility criteria
When you want to apply for a NAB credit card, there are a few eligibility boxes you'll need to tick first.
Each NAB card has slightly different details, but include the following:
Age. You must be at least 18 years old to apply for a NAB credit card.
Australian residency status. You can apply for a NAB credit card if you're an Australian or New Zealand citizen, permanent resident of Australia or hold an acceptable temporary residency visa. Note that the following Australian temporary visas are not acceptable: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.
How long does it take to apply?
It takes around 15 minutes to apply for a NAB credit card online and you'll get an initial response within 60 seconds of submitting your completed application form. NAB will then be in touch with further details and next steps.
Information and documents you need to apply
NAB credit card applications are made up of a mix of general details and information about your financial situation. This includes:
Personal information. Your full name, date of birth, contact details, address and details about your current living situation. If you're a new NAB customer, you need to provide one of the following forms of identification: Australian driver's licence, Medicare card, Australian passport or international passport.
Financial information. Your income and assets, such as savings, shares or property. You also need to include details of existing cards, loans or other liabilities, plus your share of regular household expenses such as groceries, petrol, rent or mortgage repayments.
Employment details. Your last 3 years of employment history. You may also be asked to provide supporting documents such as your most recent payslips, bank statements or Australian Taxation Office tax assessment notice.
Have a question about NAB credit card applications? Call NAB on 13 22 65 to talk about your situation.
Card details
Depending on which NAB card you're applying for, you could be asked about the following details as part of the application:
Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that NAB will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
Balance transfer information. If you want to transfer a balance to a NAB credit card, you'll need to provide details of the debt that you want to transfer, including the account name, number and financial institution's BSB.
What happens after you apply?
NAB will give you an application reference number. You'll also get details about providing more supporting documentation (if that's needed), or next steps.
Frequently asked questions about NAB credit cards
If you want to repay an existing balance, you could take advantage of a promotional low or 0% balance transfer offer with a NAB credit card. This allows you to consolidate your debt and pay it down without the burden of interest for a promotional interest.
To get a promotional balance transfer interest rate, you must request the balance transfer at the time of your application for an eligible NAB credit card. Note that balance transfer offers are not available for debt you may have on existing NAB credit card accounts.
When you get your NAB credit card statement, you can choose from any of the payment options listed on the statement. This includes BPAY payments through a bank account, payments through the NAB app, and phone or Internet banking if you want to pay from a NAB transaction account. Here are details for each option.
BPAY
BPAY lets you pay your NAB credit card from any eligible Australian bank account. You'll need the NAB BPAY biller code 1008 and your credit card number for the customer reference number to complete the payment.
Then, log in to your transaction account, select BPAY and enter these details, along with the amount you would like to pay off the card. Just keep in mind you should allow up to 2 business days for the payment to go through.
NAB Internet Banking or mobile app
If you're making a payment from another NAB account, log in to your NAB account online or via the NAB App, select the card and follow the prompts to make a payment.
NAB Telephone Banking
You can pay your bill over the phone 24/7 by calling NAB on 13 22 65 and following the prompts to make a payment.
Direct debit
You can set up a direct debit from a NAB account using Internet banking or the NAB app. If you want to set up direct debits from another bank account, you can download and fill out a Direct Debit Request form from the NAB website.
Note you'll need to provide the account number and BSB of the bank account you'd like the payment to come out of each month, as well as choosing whether the direct debit will be for the minimum amount, full amount or a fixed dollar amount.
NAB branch
You can pay off your credit card in person at a NAB branch. You'll need your credit card statement and/or account details, as well as cash for the payment or details of the NAB bank account you want to pay from.
By cheque and post
Your NAB credit card statement includes instructions on how to post your payment via bank cheque.
At Australia Post
You can repay your NAB credit card at an Australia Post outlet that offers the Bank@Post service. You'll need your credit card and PIN to complete the repayment.
To set up Internet banking, you will need the following information on hand:
Your NAB identification number, found on the back of your NAB credit card
One of the following: Your mobile phone number (if you've provided it or registered for SMS security); your NAB Telephone Banking password; or a temporary password that was issued at a branch. If you can’t recall what your temporary password is, call NAB on 13 22 65.
Once you have these details, head to the NAB website and click on the "Register" button. Enter your details and create a secure Internet banking password. From here, you can activate a range of services that allow you to pay different accounts with ease.
If your card has been lost, stolen or damaged, you can immediately block it and request a replacement through your NAB Internet bank account or the NAB mobile app. You can also use these services to temporarily lock your NAB credit card while you try to find it or request a replacement for a damaged card.
To find these options, simply log in to your account online or via the mobile app, go to the "My cards" section and click on "Manage my cards". You can then choose between the options above.
Alternatively, you can call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, 7am - 6pm Sat or 9am-6pm Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. If you’re overseas, you can call +61 3 8641 9121 instead.
Your credit card expires on the last day of the month shown on the front of your card. For example, if your card lists an expiry as 11/22, it would expire on 30 November 2022. NAB will automatically send you a replacement card about two weeks before the expiry date that's listed on your card.
If your card has expired and you haven’t received a replacement card, call the NAB customer service team on 13 22 65 between 8am-7pm Mon-Fri, 7am - 6pm Sat or 9am-6pm Sun (AEST/AEDT). Platinum and Signature cardholders can access their 24/7 customer service lines by calling 1300 730 213 and 1300 489 410 respectively. Alternatively, you can visit a NAB bank branch.
If you want to increase or decrease your credit card limit, call NAB on 13 22 65 from 8am to 7pm Monday-Friday, 7am - 6pm Saturday or 9am to 6pm Sunday (AEST). If you're overseas call, +61 3 8641 9083 during these hours. If you're requesting a credit limit increase, you'll be asked to provide current employment and financial information. Note that credit limit increases are subject to criteria and approval.
The NAB Identification Number (NIN) is a unique identifier that is issued to all NAB customers. You can find your NIN at the back of your card, near the top, it is an 8-digit number. If you would like to confirm or reset your NIN, you may call customer service on 13 22 65.
Every card comes with a 3-digit security number (or CVV number) that is used for certain transactions to verify the ownership of the card. You can find your security number at the back of your NAB card, right beside the signature field. You can find out how your CVV number works in this guide.
You can permanently close a credit card account with NAB by calling 13 22 65 or +61 3 8641 9083 if you're overseas. You can also cancel your credit card by sending NAB a secure message via Internet Banking. Before closing your account, make sure all outstanding balances are paid off.
If your card has been lost, stolen or if you see suspicious transactions on your account, you can temporarily block it instead of cancelling it by calling 1800 033 103 in Australia or +61 3 8641 9121 from overseas. You can also do this at any time through the NAB Mobile Banking app or NAB Internet Banking.
Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
The NAB Rewards Business Signature lets you earn points as you manage your business expenses and offers exclusive business travel and retail deals from Visa.
Find out when you’ll get complimentary international travel insurance, cover for trips in Australia, plus insurance for your shopping with a NAB credit card.
See if the NAB Qantas Business Signature card's features match you business goals, with 150,000 bonus Qantas Points, concierge service and a $295 annual fee.
You'll get a complimentary Qantas Frequent Flyer membership, Qantas Points for your everyday purchases and 5 complimentary insurance covers with the NAB Qantas Rewards Premium Card.
Hi need advice please , I’m on a regular Centrelink payment.im a long-term customer also.looking for what I can apply successfully for .so the straight up card is great .but is it the best option.id use the card at like food supermarkets and say bigw or Kmart ..and cash out.. looking for no annual
fees and very low interest rates if any
We’re not licenced to give personal advice. Generally, this card may be a good option if you want the flexibility to purchase without feeling pressure to pay off the full balance each month, and you can afford the monthly fee of $10 to $20 (charged instead of interest).
With a limit of $1000, you’ll pay $10 per month or $120 over a year, if you don’t pay it off in full each month.
By contrast, on a card that charges 22% interest with an average ongoing balance of $1000, you’d pay around $220 over a year in interest (plus any annual card fees).
If you think you can pay off the full balance each month, you might be better off with a card with no or low-annual fee.
Hi Robert,
In general terms, a black credit card is considered to be more premium than a platinum card but each bank or provider has its own credit card branding. For example, the NAB Rewards Signature is a level up from the NAB Rewards Platinum (even though it is not officially called a “black card” by NAB). Finder’s guide to Gold, Platinum and Black Credit Cards has more details on differences across the market in Australia. I hope this helps.
I have been a member of diners club since 1979, diners have advised me that it is closing all cards as at jan 24 i have been told that the NAB has purchased them and my card will be cancelled i wish to apply for a new card using my payment history with diners as a refernce have never missed a payment in 44yrs allways paid statement at end of each month will the NAB take my card on as i am a pensioner and also require an addittional card
Yes, unfortunately Diners Club is leaving Australia next year. According to the information on the Diners Club website, your account won’t be transferred to another account once the change happens.
So if you wanted to get a card with NAB, you would need to meet the eligibility requirements and apply for that card. You could provide your Diners Club payment history as supporting documentation, but would also need to provide other requested information, including income, assets, debts and regular expenses. Most credit cards allow an additional cardholder, and you can check these details on Finder’s card review pages or the bank’s website.
If you want to check what’s required to apply for a NAB credit card, you can view details in this guide or call NAB on 13 22 65. If you have questions about your existing account, you may want to call Diners Club on 1300 360 060. I hope this helps.
You can add an additional cardholder for no cost. They must be 16 years of age or older and all transactions using the additional card will be the responsibility of the primary cardholder.
Is there somewhere I can find previous credit card offers? I applied for a credit card in April 2023 and the offer has since expired, now the bank will not honour the interest free offer.
Thanks for getting in contact, there are a few ways to check previous offers. If you applied through Finder, please let us know which card you applied for and the date of the application by replying to this comment or emailing help@finder.com so we can investigate it. If you received communication by email or post after you applied, there may be information on any introductory offers that were available at the time. Alternatively, you could try viewing website archives with the Wayback Machine. I hope that helps.
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Hi need advice please , I’m on a regular Centrelink payment.im a long-term customer also.looking for what I can apply successfully for .so the straight up card is great .but is it the best option.id use the card at like food supermarkets and say bigw or Kmart ..and cash out.. looking for no annual
fees and very low interest rates if any
Hi Soona,
We’re not licenced to give personal advice. Generally, this card may be a good option if you want the flexibility to purchase without feeling pressure to pay off the full balance each month, and you can afford the monthly fee of $10 to $20 (charged instead of interest).
With a limit of $1000, you’ll pay $10 per month or $120 over a year, if you don’t pay it off in full each month.
By contrast, on a card that charges 22% interest with an average ongoing balance of $1000, you’d pay around $220 over a year in interest (plus any annual card fees).
If you think you can pay off the full balance each month, you might be better off with a card with no or low-annual fee.
Hope this added context helps!
What is the difference between a platinum and black credit card
Hi Robert,
In general terms, a black credit card is considered to be more premium than a platinum card but each bank or provider has its own credit card branding. For example, the NAB Rewards Signature is a level up from the NAB Rewards Platinum (even though it is not officially called a “black card” by NAB). Finder’s guide to Gold, Platinum and Black Credit Cards has more details on differences across the market in Australia. I hope this helps.
I have been a member of diners club since 1979, diners have advised me that it is closing all cards as at jan 24 i have been told that the NAB has purchased them and my card will be cancelled i wish to apply for a new card using my payment history with diners as a refernce have never missed a payment in 44yrs allways paid statement at end of each month will the NAB take my card on as i am a pensioner and also require an addittional card
Hi Angelo,
Yes, unfortunately Diners Club is leaving Australia next year. According to the information on the Diners Club website, your account won’t be transferred to another account once the change happens.
So if you wanted to get a card with NAB, you would need to meet the eligibility requirements and apply for that card. You could provide your Diners Club payment history as supporting documentation, but would also need to provide other requested information, including income, assets, debts and regular expenses. Most credit cards allow an additional cardholder, and you can check these details on Finder’s card review pages or the bank’s website.
If you want to check what’s required to apply for a NAB credit card, you can view details in this guide or call NAB on 13 22 65. If you have questions about your existing account, you may want to call Diners Club on 1300 360 060. I hope this helps.
What is the fee for the additional card holder for NAb Rewards Signature credit? Thank you.
Hi Diana,
You can add an additional cardholder for no cost. They must be 16 years of age or older and all transactions using the additional card will be the responsibility of the primary cardholder.
Hope this helps!
Is there somewhere I can find previous credit card offers? I applied for a credit card in April 2023 and the offer has since expired, now the bank will not honour the interest free offer.
Thanks for getting in contact, there are a few ways to check previous offers. If you applied through Finder, please let us know which card you applied for and the date of the application by replying to this comment or emailing help@finder.com so we can investigate it. If you received communication by email or post after you applied, there may be information on any introductory offers that were available at the time. Alternatively, you could try viewing website archives with the Wayback Machine. I hope that helps.