NAB credit cards

NAB is one of Australia’s biggest banks, whose credit cards help customers with a huge variety of financial needs. Each comes with its own features, some of which we’ll explore below.

NAB credit cards at a glance

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Your card details

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Transfer amount
Your rate
20.00%
Your annual fee
$250
Select cards to compare
Balance Transfer
Purchase Rate
Annual Fee
Balance Transfer 0% p.a. for
20 months

reverts to 21.74% p.a.
2% balance transfer fee applies

Purchase Rate 12.99% p.a.
Annual Fee $59 p.a.
Balance Transfer 0% p.a. for
6 months

reverts to 21.74% p.a.
2% balance transfer fee applies

Purchase Rate 19.74% p.a.
Annual Fee $30 p.a.
Balance Transfer 0% p.a. for
6 months

reverts to 21.74% p.a.
2% balance transfer fee applies

Purchase Rate 19.74% p.a.
Annual Fee $90 p.a.
Balance Transfer 0% p.a. for
6 months

reverts to 21.74% p.a.
2% balance transfer fee applies

Purchase Rate 19.99% p.a.
Annual Fee $195 p.a.
Balance Transfer 0% p.a. for
6 months

reverts to 21.74% p.a.
2% balance transfer fee applies

Purchase Rate 19.99% p.a.
Annual Fee $250 p.a.
Balance Transfer 0% p.a. for
6 months

reverts to 21.74% p.a.
2% balance transfer fee applies

Purchase Rate 19.99% p.a.
Annual Fee $295 p.a.
Balance Transfer 0% p.a. for
6 months

reverts to 21.74% p.a.
2% balance transfer fee applies

Purchase Rate 19.99% p.a.
Annual Fee $295 p.a. for
12 months

reverts to $395 p.a.

Balance Transfer N/A% p.a.
Purchase Rate 0% p.a.
Annual Fee $0 p.a.

About NAB

The National Australia Bank (NAB) provides support to millions of people by offering a variety of financial products and services. In addition to credit cards, NAB helps customers with bank accounts, home loans, insurance products and – of course – financial expertise.

When it isn’t delivering world-class customer service, NAB prides themselves on making a difference in Australian communities. Every year, it donates millions of dollars, funds important projects that make a difference in local communities and provides numerous volunteering services to those in need.

NAB’s credit card options are varied, ranging from cards that offer the basic functionality, right up to cards that come packed with a more extensive suite of features.

Why choose a NAB credit card?

Picking a credit card is a major decision, and NAB has many options available to Australian customers. Whether you’re seeking a product with low fees or simply need something for emergencies, there are plenty to choose from. So, why do people choose NAB?

  • Options that cater to different needs. From cards with lower annual fees and interest rates to reward and premium cards, NAB makes it easy to find products you’ll likely be happy with.
  • Pay digitally. You can use your physical NAB credit card to make purchases, or you can link your credit card account to compatible phones, smartwatches and digital devices to give you more flexibility at the checkout.
  • Assistance when you need it. Whether you’re travelling overseas or run into trouble with your card at home, NAB can be contacted 24/7 online, through their app or by phone.
  • Easy to manage cards. You have the option of managing and controlling your card at a branch, online, through the NAB app and by calling the customer service line.
  • Rewards and exclusive perks. Many NAB credit cards allow you to earn points, perks and rewards for just using your card.
  • Interest-free periods. Need to make a purchase but don’t have the money upfront? Many NAB cards offer interest-free days, giving you that extra time to make your repayments without incurring fees.
  • Security features. All NAB credit cards are equipped with online security features and fraud protection to ensure your card is as safe to use as possible.

Frequently asked questions

Do I need to be an existing NAB customer to apply for a NAB credit card?

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.

How do I apply for a NAB 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.

What do I need to open a NAB credit card account?

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:

  • ID including a valid passport, driver’s licence and Medicare card;
  • personal details including your address, contact details, name and date of birth;
  • your employment information and history;
  • proof of your income and assets; and
  • any information about your debts or expenses.
How long does it take to apply for a NAB credit card online?

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.

How do I make my NAB credit card repayments?

There are multiple ways you can make your credit card repayments with NAB. These include:

  • in person at any NAB branch;
  • through the NAB app;
  • via NAB’s internet banking;
  • by calling NAB;
  • setting up a direct debit;
  • paying through the post; and
  • by making a payment at an Australia Post store.
Can I add another cardholder to by NAB credit card?

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.

Can I change the credit limit on my NAB credit card?

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.

What happens if I lose my NAB credit card?

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.

Which NAB credit card is best?

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.

Are you ready to compare NAB credit cards?

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.

Ready to look for a better deal? It’s easy to compare with us.

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