You’re not required to be an existing NAB customer to open a NAB credit card. This means that you can have a bank account or manage your finances with another financial institution and still have a credit card with NAB.
You can even take out credit cards from multiple banks, providing you meet each bank’s application criteria and that you have the means to handle more than one credit card.
You can apply for a NAB credit card by visiting your local branch, calling the NAB customer service line or online. Cards may have specific criteria, so it’s best to read through any terms and conditions before you apply.
At a minimum, you must be at least 18 years old, receive a regular income, pass NAB’s credit checks and be either an Australian or New Zealand citizen, permanent Australian resident or on an approved Temporary Residency Visa holder.
Whether you apply online, in person or over the phone, NAB must verify your identity and eligibility for any card you want. You’ll need to provide:
It takes around 25 minutes to apply for a NAB credit card online, providing you’ve got all the valid identification and resources you need. You’ll then receive a response within minutes, which will either confirm your approval or request further information to verify your application.
When approved, you can use your card digitally by linking it to your eligible phone, smartwatch or digital devices. It takes around five working days from approval for your physical NAB credit card to arrive.
There are multiple ways you can make your credit card repayments with NAB. These include:
You can add another cardholder to your NAB credit card, which gives them their own card and PIN attached to your account. This person must be at least 16 years old and have their identity verified if they’re not already a NAB customer.
You can add an additional cardholder online through the NAB website or app, at a branch or by filling in an additional cardholder request form and sending it via email or post. It can take up to two weeks for the other cardholder to be approved, although the primary account holder can remove additional ones instantly by calling NAB’s customer service line.
Remember that an additional cardholder can use your credit card and you’ll be responsible for any purchases they make or fees they incur.
Yes, you can change the credit limit on your NAB card – providing they approve your request to increase or decrease the limit. This is as simple as logging in online, calling NAB’s customer service line or visiting a branch.
To increase your credit limit, NAB needs to verify your current income and may ask you to provide documents to confirm this. You’ll typically know whether your request has been approved or denied within a week.
Decreasing the limit is approved instantly if you apply online – but remember your new limit can’t be lower than your current balance or the minimum requirements for your card. If making a request in person or over the phone, it can take some time for your application to be processed.
You can instantly block a lost NAB credit card and apply for a replacement online, through the mobile banking app or by calling NAB’s customer service line 24/7. You can also place a temporary block on your credit card if you’ve misplaced it and want to protect it.
Because there are several different NAB credit cards available and people have different financial needs, there’s no single card that’s going to be the best for everyone.
As such, it’s essential to do your research and compare NAB credit cards alongside similar products to try to find one that will benefit your circumstances the most. Consider factors like the rewards and perks on offer, interest rates, fees and card features before making your decision.
If you’re ready to compare NAB credit cards and other cards on the market, we’re here to help. In addition to helping you understand what cards are available from our providers, our credit card comparison tool allows you to compare interest rates, promotions, fees, and other features in one place.
What’s more, our service is free, easy to use, and you don’t have to spend hours researching on different websites. It pays to compare, so let us help you find a credit card you’ll be happy with.