NAB Credit Cards

Updated 8 August 2019

NAB Group is one of Australia's best-known financial services providers, and with more than 12 million customers, you know it's a name you can rely on. NAB offers something to suit almost every requirement, from Platinum perks to rewards, to low rate and low fee cards.

As one of the big four, NAB has become a household name in Australia, enjoying a history that dates back almost 160 years. But, NAB is not just a name that is known throughout Australia. In fact, it has more than 30,000 employees serving 9 million customers in more than 900 locations in Australia, New Zealand and around the world. The sheer size of a bank like this provides a number of benefits to customers, not least of which is range. Check out the range of credit cards below to see just how much choice a bank like NAB can offer.

Another benefit of size is the ability to help others through the support and sponsorship of businesses, teams, individuals and charities within the local community. This is something NAB is committed to. Funding some of the most important infrastructure in our communities, the bank works to support schools, hospitals and roads. A few highlights include $54.4 million in community investment and more than 15,300 volunteer days contributed by bank employees in 2018, on top of $22.9 billion in financing activities to address climate change and support the transition to a low-carbon economy.

By becoming a NAB cardholder, you can assist the bank with its efforts. But, thanks to the bank’s wide range of cards, the task of choosing a card that will work for you doesn’t need to be a challenge. There are basic options for cardholders who want to keep it simple, there are low cost cards for cardholders who want to save day-to-day, and there are rewards cards and premium cards for cardholders who want something back for their card spending.

NAB Low Rate Credit Card

NAB Low Rate Credit Card

27 reviews
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$0 saved over 6 months
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$ saved over 6 months
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NAB Low Rate Platinum Credit Card

NAB Low Rate Platinum Credit Card

2 reviews
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$0 saved over 6 months
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$ saved over 6 months
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NAB Low Fee Platinum Credit Card

NAB Low Fee Platinum Credit Card

1 review
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$0 saved over 6 months
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$ saved over 6 months
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NAB Low Fee Credit Card

NAB Low Fee Credit Card

10 reviews
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$0 saved over 6 months
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$ saved over 6 months
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NAB Business Card

NAB Business Card

1 review
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$0 saved over months
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$ saved over months
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NAB Low Rate Business Credit Card

NAB Low Rate Business Credit Card

4 reviews
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$0 saved over months
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$ saved over months
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1 review
More info
points earned over 12 months
1 point
16.77% Complete (success)
NAB Rewards
60,000
points
16.77% Complete (success)
NAB Rewards
$195
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

4 reviews
More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
N/A
-1% Complete (success)
Qantas Frequent Flyer
$95
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
0.75 points
16.77% Complete (success)
NAB Rewards
30,000
points
16.77% Complete (success)
NAB Rewards
$95
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

5 reviews
More info
points earned over 12 months
0.67 points
16.77% Complete (success)
Qantas Frequent Flyer
30,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$250
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

5 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
120,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$295
first year
16.77% Complete (success)
then $395 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1.25 points
16.77% Complete (success)
NAB Rewards
120,000
points
16.77% Complete (success)
NAB Rewards
$295
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1.25 points
16.77% Complete (success)
NAB Rewards
100,000
points
16.77% Complete (success)
NAB Rewards
$175
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
0.67 points
16.77% Complete (success)
Qantas Frequent Flyer
100,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$295
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

National Australia Bank or NAB

As one of the big four banks in Australia, naturally has a very full suite of credit cards across the low, mid and top tiers. NAB also has a rewards program with Qantas and with NAB Rewards you can top up your frequent flyer and rewards program balance with Velocity Frequent Flyer, KrisFlyer, Asia Miles and Airpoints™. Credit card customers can all access online and mobile banking through the NAB website. For travellers the bank also offers a prepaid traveller card.

About NAB Credit Cards

NAB also offers all the traditional consumer and business banking products. Savings and transactional accounts, loans and advice are just some of them.

The NAB has expanded to 1,750 branches globally and services more than 12,000,000 customers, with affiliates in the Asia, the US, the UK and New Zealand as well. The bank is ranked 17th largest globally by market capitalisation. Originally called the National Bank of Australasia Limited and headquartered in Melbourne, NAB was founded in 1893. It traded under that name until it merged with the Commercial Banking Company of Sydney and took ok the name National Australia Bank. Along the way NAB has made several acquisitions, including the Colonial Bank of Australasia, Bank of Queensland, Queensland National Bank and Ballarat Banking Company.

Creditcard.com.au features all NAB credit cards, so you’re sure to find something from the list to suit your needs and your lifestyle. Apart from a number of low, mid and top tier cards, the NAB offers a Qantas card for Standard, Premium and Signature – so you get the frequent flyer rewards with whatever level of card you choose. The Low Fee Platinum card (formally named Premium) and Low Fee cards both have competitive balance transfer rates at the moment, despite the differences in the cards (Feb 2018). With the Low Fee card you pay a low fee, but with none of the many features of the Low Fee Platinum card you can have it for a whole year.

Yes, the balance transfer rate and terms of the offer, as well as application criteria are displayed on the card page for every NAB card we feature. Simply click on the card you are interested in. If a balance transfer is not offered, the balance transfer column will say N/A.
NAB has credit cards for earning Qantas Frequent Flyer points. These are the NAB Qantas Rewards, Qantas Premium and NAB Qantas Signature cards. With NAB Rewards you can transfer to Velocity Frequent Flyer, KrisFlyer, Asia Miles and Airpoints™.
Yes, on the NAB mobile banking app you can view your credit card balance, make BPay payments, locate your nearest ATM or branch, view foreign exchange rates and access savings calculators and other tools.
NAB charges 3% of the transaction amount for overseas transactions. You can see our foreign transaction fees page for further information about this.
NAB offers credit cards which fit all of our categories. That includes options for balance transfers, low purchase rate, a low annual fee, frequent flyers and rewards cards.

Recently Asked Questions

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34 questions (showing the latest 10 Q&As)

Tim

Tim

22 July 2018
I need a NAB credit card which has no foreign transaction fees. Can you advise please?Thx Tim
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 July 2018
    Hi Tim, there is no NAB credit card that I am aware of that has no foreign fees. Very few cards have this feature these days. My pick is the ANZ Rewards Travel Adventure credit card. No foreign fees, rewards points earning, bonus points and a return flight each year all for a $225 annual fee.
Kim

Kim

18 July 2018
Hi RolandI am a UK citizen working in Australia on a 457 skilled working visa which is valid for 2 years and my current work contract is 1 year although I intend to stay next year and am guaranteed a job. I earn more than $70,000 per annum but have only been in Australia for 6 months. I am paying high interest rates on some of my UK credit cards and would like to know firstly whether I am eligible for a 0% balance transfer credit card in Australia and if so whether I can transfer a balance from one of my UK credit cards? If this is not possible are there any other ways I can pay of my credit card debt to avoid paying high interest rates? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 July 2018
    Hi Kim, you cannot balance transfer UK credit card debt to an Australian balance transfer offer. Depending on the rate you are paying a low rate personal loan could work. If you are paying 18%, then you get a 12% personal loan. It's easy to see that you are saving 6% in interest. I would speak to your everyday bank in Australia where your pay is deposited. If they are keen to approve you then I would review other offers in the market as well. Based on your Visa status it will still be difficult for you to be approved.
Lorenzo Osellame

Lorenzo Osellame

13 June 2018
Hi, I have a Apple iPhone 6 plus, and I can not put my Nab banking ca credit card on the phone. It says that it is not authorised and I should contact the bank. Can you resolve this problem and get back to me ASAP.Regards Lorenzo Osellame
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 June 2018
    Hi Lorenzo, yes I would contact the bank or go into a branch and see if they can assist. I am not sure why you would have an issue installing the app. Make sure you have updated the iOS on your phone to the latest version.
Tony Liddle

Tony Liddle

1 June 2018
I am a share holder with NAB, never paid for annual fees on Platinum one Qantas visa cards.If transfer to Award signature card will I be exempt from annual fees.please advise.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 June 2018
    Hi Tony, I am not sure on this question. You will need to speak to NAB credit card customer service for this. Please call 1300 730 213 for Platinum Cards or 1300 489 410 for Signature cards 24 hours, 7 days a week.
Joshua Tirrums

Joshua Tirrums

29 March 2018
I turn 60 this year, am receiving a Disability Support Pension for a chronic back condition likely to be lifelong. My pension is approx $2,200 per month, I do not own property, nor have highly valued assets & pay private rent for accommodation, soon to be public housing rent as of June 2018. I have no outstanding debt, only household expenditure, utilities, mobile phone & internet, etc... Am I wasting my time applying for a credit card used to bridge the occasional financial gap & unforeseen emergency. My medical condition is not life threatening or life shortening but prevents me from being employed. My monthly bank balance ranges from $500 - $1200.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 March 2018
    Hi Joshua, NAB do see the disability pension as income. Therefore it is possible that you could be approved for a NAB credit card. I would say, have a go. I would suggest the NAB Low Rate card. If you apply for a $500 credit limit to start. Best of luck with your application.
Lyn Turner

Lyn Turner

5 February 2018
My husband and I presently hold NAB American Express and Visa cards . American Express cannot be used after February, which NaAB card is best for us to earn Qantas points , also we are 76 & 78 years old , do we qualify for complimentary insurance.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 February 2018
    Hi Lyn, most of the credit card complimentary insurance is valid until you are 80 years old (inc 80). Therefore you still have a few years left but will need to research insurance offerings post this. The best NAB card for you to earn points will depend on how much you will spend each month. Maximum points are earned through the NAB Qantas Rewards Signature card with a massive 100,000 bonus points but a high annual fee of $395.The NAB Qantas Premium is a step down with a $250 annual fee and 50,000 bonus points. If you let me know how much a month on average you will spend and I direct you more specifically.
Michael

Michael

8 October 2017
I have an NAB Platinum VisaCard and am about to pay for some travel. Can you please steer me to the policy document which governs any travel insurance which comes with the Card?
greg farrell

greg farrell

5 October 2017
does that mean I can apply 4 a credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 October 2017
    Hi Greg, yes, you can have a go. You will need good credit to apply and there are a range of factors the bank will take into account. Best of luck with your application.
greg farrell

greg farrell

3 October 2017
I got your email so what kind of card would suit me on a disability pension
greg

greg

1 October 2017
can u get a low rated credit card on a disability pension
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 October 2017
    Hi Greg, the disability pension is seen as income by NAB credit cards so it is possible. Approval will depend on a range of factors other than income and will be assessed at the time of application.
greg

greg

22 September 2017
can people on a disability pension apply for a low rated credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 September 2017
    Hi Greg, the Disability Pension is accepted by NAB as income. Though approval will depend on a range of factors such as income v expenses, assets v liabilities and your credit history. Best of luck with your application.
michael

michael

18 May 2017
what is critical difference between Mastercard and Visa ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 May 2017
    Hi Michael, they are different networks for credit cards. In the end they have little differences but in acceptance they are basically the same. This is the key. Until you go up into the most premium forms of the card there is not much between them. I would always look at the strength of the offer for your needs and not making a factor whether its Visa or MasterCard.
SM Rahman

SM Rahman

29 April 2017
As A valued Nab home loan wealth package customer, what kind of credit card customer is entitle to get free. Are they eligible to get free Nab Qantas Reward premium credit card as home loan wealth package customer. Please let me know. Thanks
Lynette

Lynette

10 February 2017
Hi Roland. Is it too late to register for the NAB spend offer rewards promotion?
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