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NAB Credit Cards

Pauline Hatch     

NAB Group is one of Australia's best-known financial services providers, with more than 12 million customers. NAB offers cards for all occasions, 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, with a history that dates back almost 160 years. NAB 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 best NAB credit cards below to see just how much choice a big bank like this 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. 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.
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81 reviews for 11 cards listed
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NAB Low Rate Credit Card – Balance Transfer Offer

27 reviews
$0 saved over 24 months

NAB Low Rate Business Credit Card

5 reviews
$0 saved over months

NAB StraightUp Card

5 reviews
$0 saved over months

NAB Low Fee Credit Card

12 reviews
$0 saved over 12 months

NAB Business Card

2 reviews
$0 saved over months

2 reviews
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2 reviews
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2 reviews
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7 reviews
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11 reviews
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6 reviews
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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 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 million 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 on 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 reviews 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 Premium and Signature – so you get the frequent flyer rewards with whatever level of card you choose.

Can I do a balance transfer with NAB?

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.

What frequent flyer programs are available with NAB?

NAB has credit cards for earning Qantas Frequent Flyer points. These are the NAB Qantas Premium and NAB Qantas Signature cards. With NAB Rewards you can transfer to KrisFlyer, Asia Miles and Airpoints™.

Can I use the NAB mobile app when I only have a credit card with NAB?

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.

What does NAB charge for overseas transactions?

NAB charges 3% of the transaction amount for overseas transactions. You can see our foreign transaction fees page for further information about this.

What types of credit cards does NAB offer?

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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47 questions (showing the latest 10 Q&As)

John Bogaerts

John Bogaerts

18 July 2024
Pauline can you please let me know are there any fees if i pay bills with BPay using my Nab Credit card if i pay using DEFT there are fees by paying with credit card Thank you john
    Pauline - CreditCard.com.au

    Pauline

    22 July 2024
    Hi John, NAB says that it depends on how the merchant categorises themselves. If it’s classified as a “bill” (like your electricity bill, rego, etc) then there are no fees etc. But if the merchant isn’t under that category (for instance, a business like a solar company) then it’s treated as a cash advance, which you would definitely want to avoid. I know it’s not black and white but I hope that helps!
Tania

Tania

2 April 2024
Does nab credit card provide international airport lounge
    Pauline - CreditCard.com.au

    Pauline

    11 April 2024
    Hi Tania, unfortunately, NAB cards don’t provide airport lounge as an included feature.They do have the DragonPass airport lounge in the NAB rewards shop which you can get access to for roughly 15,000 points. Alternatively, you can check out some of the other cards that give access to airport lounges.
tamara

tamara

22 June 2023
hi, im interested in the NAB Qantas Rewards Signature Credit Card however i have had the same card in the past, it was closed August 2022. Would i still be eligible for the bonus rewards points?
    Pauline - CreditCard.com.au

    Pauline

    23 June 2023
    Hi Tamara, I checked this for you however the offer is not available to those who have received NAB Qantas Rewards bonus points in 18 months prior to opening a NAB Qantas Rewards Signature card. You’ll have to wait a few more months to be considered eligible again, or you can check some of the other Qantas credit cards for alternative options.
Rebecca

Rebecca

10 March 2023
Which card is best for people with bad credit and on centerlink benefits
    Pauline - CreditCard.com.au

    Pauline

    10 March 2023
    Hi Rebecca, credit providers have set their products up to be only available for those with a great credit score and file. If you have bad credit chances are you won't be approved for a credit card. You can check our guide for helpful tips on improving your credit score that will help you plan for the future.
Agustino Bellombra

Agustino Bellombra

9 March 2023
Hi I'm a pensioner who has been with the Nab bank since e 2009 and I've never had a credit card so I'm not sure how they work if you can help me choose would be much appreciated I'll be waiting for you to get back to me Thanks
    Pauline - CreditCard.com.au

    Pauline

    10 March 2023
    Hi Agustino, thanks for reaching out. It's important to understand how credit cards work before choosing one. We’ve written a guide to credit cards for pensioners that you can read and learn more about the providers who take pension applications. We’ve broken down information on the requirements from the bigger institutions in Australia. Look out for the interest rate, annual fees, rewards programs, and any other benefits that might be important to you. Make sure to read the terms and conditions carefully and understand the fees and charges associated with the card. If you have any questions along the way, don't hesitate to reach out to the bank or financial institution you're considering. They should be able to provide you with additional information and guidance. If you have any other questions, please feel free to reach out again. Hope that helps.
Shobha

Shobha

23 January 2022
I'm working part time permanent 4 days as nurse and want to apply for credit card. Just a silly question as I haven't used credit card before and the concept is new, can I busy house with the credit card
    Pauline - CreditCard.com.au

    Pauline

    24 January 2022
    Hi there Shobha, credit cards aren’t generally used for a purchase of a house. The average credit card balance in Australia is around $3,000. We’ve written a guide to understanding credit cards and how you can apply for your first credit card. This guide should help you learn the ins and outs of credit cards and what to look for before applying. Hope this has helped and good luck in your search!
Bobby

Bobby

22 January 2022
I am saving cards to my wish list in order to compare them however when I click on the wish list symbol it tells me I have no cards saved despite it showing the numeral with how many cards I have in it
    Pauline - CreditCard.com.au

    Pauline

    24 January 2022
    Hi there Bobby, thanks for getting in touch. We’re sorry the site isn’t saving your wishlisted cards. Could you please let us know what browser and operating system you are using and we’ll get our team to look into it for you. If you’d prefer to email, you can reach us at [email protected]. Thanks.
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