Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

Purchase rate

19.74% p.a.

Balance transfer

0% 6 months
0% Complete (success)
reverts to 21.74% p.a. 2% BT fee

Annual fee

$30 p.a.
30% Complete (success)

Pros

0% p.a. on balance transfers for 6 months

$30 annual fee

Additional card holder at no cost

Purchase protection cover

Cons

2% balance transfer fee applies

High purchase rate of 19.74% p.a.

NAB Low Fee Credit Card

The NAB Low Fee Card offers 0% p.a. on balance transfers for 6 months (once off 2% balance transfer fee applies) and comes with NAB’s lowest annual card fee of $30, this is a handy card for everyday use. Other benefits of the card include purchase protection insurance, one free additional cardholder, and up to 44 days interest free on purchases. Enjoy benefits like entertainment offers with Visa Entertainment, 24/7 emergency travel assistance with Visa Customer Assistance Services, Visa PayWave, and secure online shopping with Verified by Visa.

Key features

  • 0% p.a. on balance transfers for 6 months (2% one off balance transfer fee applies)
  • Low annual fee of $30
  • Complimentary purchase protection insurance
  • Additional cardholder at no extra cost
  • Up to 44 days interest free on purchases
100% of customers who have rated this card would recommend it
  • Rates
    35%
  • Fees
    80%
  • Rewards
    N/A
  • Customer Service
    95%
  • Value
    70%
Overall user rating 70%
10 reviews
Interest Rates
Purchase rate 19.74% p.a.
Cash advance rate 21.74% p.a.
Interest free on purchases up to 44 days
Balance Transfer
Balance transfer rate 0% p.a. for 6 months
Balance transfer fee 2% one off
Balance transfer revert rate 21.74% p.a.
Balance transfer limit 90% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from NAB
Credit limits
Minimum credit limit $500
Maximum credit limit N/A
Fees & repayments
Annual fee $30 p.a.
Additional cardholder fee $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Late payment fee $15
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance No
Rental vehicle excess cover No

The NAB Low Fee Credit Card

Keeping it nice and simple, the NAB Low Fee Credit Card is a great credit card to keep in your wallet, knowing that it doesn’t cost much to keep it there. With a low annual fee, this card doesn’t offer an abundance of features, but it does provide the basics – and it has a balance transfer offer on the go, giving you 0% p.a. on balance transfers for 6 months.

What we love...

If you’re searching for balance transfer offers, what’s on offer on this card may just grab your attention. As a new cardholder, you could benefit from 0% p.a. on balance transfers for 6 months, as long as you are approved and apply for the balance transfer at the point of credit card application.

Giving you the opportunity to save some serious money on interest, this balance transfer offer could help you pay down existing credit card debt much faster. And while you’re doing that, you know that the NAB Low Fee Credit Card won’t break the bank in annual fees. In fact, this card has NAB’s lowest annual fee, and even allows for one free additional cardholder as well.

If you want to save on everyday spending, you can take advantage of up to 44 days interest free on purchases. Whether buying big or small, this can help to save some cash, as long as you understand how the offer works. For example, you need to pay your account in full by the due date each month to be eligible, and all balance transfers must be paid off.

What’s not so great...

It’s worth remembering that even simple money-savers have small print. If you choose to take advantage of the card’s balance transfer offer, you will pay a 2% balance transfer fee. This one-off fee is calculated as a percentage of the total balance transferred, and will be added to your NAB credit card account when the balance transfer is processed.

Another important point to mention is the fact that any transferred balance left unpaid at the end of the introductory period will revert to the cash advance rate. As the NAB Low Fee Credit Card has a relatively high purchase rate and cash advance rate, it’s best to avoid interest charges altogether, by clearing the transferred balance within 6 months, and paying the monthly balance in full each statement period before interest starts accruing.

Why should you choose this card?

If you want a simple, low fee credit card, the NAB Low Fee Credit Card most certainly could be for you. On top of its lovely low annual fee and enticing balance transfer offer, this card provides many of the basic features you would expect from a low fee credit card.

You can benefit from complimentary Purchase Protection Insurance, providing you cover on new personal items bought on your NAB Low Fee Card that are lost, stolen or accidentally damaged within 90 days of the date of purchase. You can also enjoy special offers from Visa Entertainment, giving you access to shows, events, experiences, movies and more.

Of course, the NAB Low Fee Credit Card provides all standard credit card features as well, such as fraud protection, online security through Verified by Visa, contactless payments and 24/7 emergency assistance. And with a low minimum credit limit of $500, this card becomes a little more accessible for smaller spenders.

Overall Rating

A simple low fee credit card offering a range of handy features, the NAB Low Fee Credit Card makes a splash with its balance transfer offer, providing 0% p.a. on balance transfers for 6 months.

56 questions (showing the latest 10 Q&As)

Kim Forbes

Kim Forbes

14 October 2018
I have a $13,500 balance on a Lombard's Store card that I want to transfer to a no Interest card.Is this possible I am paying absorbent credit each month ,Are you able to help with this
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 October 2018
    Hi Kim, which Lombard product do you have? Both the Lombard cards operate more as a line of credit rather than an actual credit card. They do have very high interest and operate on the Visa Debit network. I would say that you should be able to transfer the debt to a Citi balance transfer offer. Citi are the only issuer in Australia that will accept loan debt as part or all of the transfer. Therefore they would be the one to look at. Check out the Citi Rewards Platinum credit card. You will need good credit to get approved for a balance transfer offer.
Ali

Ali

27 April 2018
Is there a minimum annual income required to apply for this card? If I’m a casual employee, can I still apply? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 April 2018
    Hi Ali, NAB themselves do not give minimum income guidelines for applying. Yes you can still apply if you are a casual employee. As a guide I would say you need to earn at least $15,000 to apply. It will take around 15 mins to apply online. You need to be at least 18 years old. They may ask you to provide payslips and bank statements. Overall if you like this card, I would say have a go and apply if the above is all ok for you.
Donna Briggs

Donna Briggs

27 February 2018
Im on a disability pension with a poor credit rating, im trying to find a bank that will allow me a credit card so that i can consolidate some of my bills to make my life a little easier, does nab have anything like this? ???
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 February 2018
    Hi Donna, with a poor credit rating it is very difficult to get approved for a credit card. What I suggest is that you speak to your everyday bank where your pension is deposited and see if there is anything they can do to help. Failing that you need to put a plan in place to pay your current debt down. It will hurt but you need to look at paying the highest interest balance off first and so on. Save where you can. Additionally if you have any friends or family that could assist to get rid of some of the debt.
Claro

Claro

2 December 2017
how much is the minimum monthly repayments for NAB low fee credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 December 2017
    Hi Claro, minimum monthly payment is $25 or 2% of the closing balance, whichever is greater.
Dawn

Dawn

7 November 2017
Hi just clarifying NAB offer is ambiguous 0% bal trnsfr 16mths but then says 2% BT fee applies can you explain pls
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 November 2017
    Hi Dawn, if you transfer $5,000 with this offer. Then the total balance transfer becomes $5,100 (inc the 2% balance transfer fee). You then still have the full 0% intro period to pay off the $5,100 with no interest. As you see a balance transfer fee gets added onto the balance transfer amount.
janis

janis

29 June 2017
What are the minimum earnings
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 June 2017
    Hi Janis, there is no set earnings amount requirement for this card but you need good credit. I would suggest a minimum of 15k a year income to apply.
janis

janis

29 June 2017
Can I balance transfer 8000 from CBA
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 June 2017
    Hi Janis, yes you can go subject to credit approval.
aaron

aaron

19 May 2017
hello I would like to do a balance transfer from another bank to you. Will you take the full balance or just a percentage. Its a small amount of $1100
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 May 2017
    Hi Aaron, yes this is possible to credit approval. I suggest you go for a 2k limit and put in the $1.1k transfer. You can transfer non-NAB debt to this product. Best of luck with your application.
Lena pluhar

Lena pluhar

9 January 2017
Is there a minimum transfer amount, when does this offer end
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 January 2017
    Hi Lena, I have not been able to find the exact amount but I believe it is around $500 but could be a bit lower.
Kerryann

Kerryann

3 January 2017
What is the purchase % after the 15mth period
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 January 2017
    Hi Kerryann, the so called low fee card has a standard rate on purchases of 19.74% p.a. If you are looking for a lower purchase rate you can look at the NAB low rate at 13.99% p.a.
Diane Hurrell

Diane Hurrell

1 December 2016
Am I able to do a credit card transfer if it's a ANZ New Zealand credit card? I work full time in goulburn NSW as a midwife and an Australian citizen.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 December 2016
    Hi Diane, no, you cannot balance transfer any overseas credit card debt to an Australian balance transfer offer. You would need to a balance transfer deal from an NZ bank. If this is not possible then you can look to get a low rate personal loan to pay off the card. This can work if you can get a better interest rate than your current ANZ balance.
Matt

Matt

24 October 2016
Hi there im currently with Comm bank if I applied for this Coles card can u do a balance transfer with interest free. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 October 2016
    Hi Matt, can you balance transfer CBA credit card debt to NAB balance transfer offers.
Indi taylor

Indi taylor

3 October 2016
What is the minimum earning before one can apply with NAB for a credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 October 2016
    At least 15k
Indi

Indi

3 October 2016
What is the minimum income p.a to be able to apply for this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 October 2016
    Hi Indi, NAB have removed any minimum income requirement on this card. It used to be 15k and is one of the easier cards to be approved for. Best of luck with your application.
Philip Rapinett

Philip Rapinett

23 September 2016
I made application that was approved for a balance transfer that was aproved.I will need a transfer of $7000 in the near future.Can I make application for another card to take advantage of the 0% charge?Thank you Phil
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 September 2016
    Hi Philip, subject to credit approval, you can apply for another balance transfer credit card offer to move the 7k to 0% p.a. You would not be able to balance transfer again to the same card you were just approved for.
Jas

Jas

21 September 2016
Can I transfer to another card after the 15 months has expired to avoid going to the higher interest rate? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 September 2016
    Hi Jas, yes you can, subject to credit approval. I have know a range of people that have bounced debt around for over 5 years, though this is not recommended.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia. Temporary residents are eligible.
  • You have your personal details ready to complete the online application
NAB Low Fee Credit Card
NAB Low Fee Credit Card

NAB Low Fee Credit Card

Updated 12 April 2019

Purchase Rate (p.a)

19.74%

Balance Transfer (p.a)

0% for 6 months 2% BT fee applies. reverts to 21.74% p.a.

Annual Fee (p.a)

$30

$0 over 6 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on balance transfers for 6 months
  • $30 annual fee
  • Additional card holder at no cost
  • Purchase protection cover

  • 2% balance transfer fee applies
  • High purchase rate of 19.74% p.a.

Creditcard.com.au review

Editor Review

The NAB Low Fee Credit Card

Keeping it nice and simple, the NAB Low Fee Credit Card is a great credit card to keep in your wallet, knowing that it doesn’t cost much to keep it there. With a low annual fee, this card doesn’t offer an abundance of features, but it does provide the basics – and it has a balance transfer offer on the go, giving you 0% p.a. on balance transfers for 6 months.

What we love...

If you’re searching for balance transfer offers, what’s on offer on this card may just grab your attention. As a new cardholder, you could benefit from 0% p.a. on balance transfers for 6 months, as long as you are approved and apply for the balance transfer at the point of credit card application.

Giving you the opportunity to save some serious money on interest, this balance transfer offer could help you pay down existing credit card debt much faster. And while you’re doing that, you know that the NAB Low Fee Credit Card won’t break the bank in annual fees. In fact, this card has NAB’s lowest annual fee, and even allows for one free additional cardholder as well.

If you want to save on everyday spending, you can take advantage of up to 44 days interest free on purchases. Whether buying big or small, this can help to save some cash, as long as you understand how the offer works. For example, you need to pay your account in full by the due date each month to be eligible, and all balance transfers must be paid off.

What’s not so great...

It’s worth remembering that even simple money-savers have small print. If you choose to take advantage of the card’s balance transfer offer, you will pay a 2% balance transfer fee. This one-off fee is calculated as a percentage of the total balance transferred, and will be added to your NAB credit card account when the balance transfer is processed.

Another important point to mention is the fact that any transferred balance left unpaid at the end of the introductory period will revert to the cash advance rate. As the NAB Low Fee Credit Card has a relatively high purchase rate and cash advance rate, it’s best to avoid interest charges altogether, by clearing the transferred balance within 6 months, and paying the monthly balance in full each statement period before interest starts accruing.

Why should you choose this card?

If you want a simple, low fee credit card, the NAB Low Fee Credit Card most certainly could be for you. On top of its lovely low annual fee and enticing balance transfer offer, this card provides many of the basic features you would expect from a low fee credit card.

You can benefit from complimentary Purchase Protection Insurance, providing you cover on new personal items bought on your NAB Low Fee Card that are lost, stolen or accidentally damaged within 90 days of the date of purchase. You can also enjoy special offers from Visa Entertainment, giving you access to shows, events, experiences, movies and more.

Of course, the NAB Low Fee Credit Card provides all standard credit card features as well, such as fraud protection, online security through Verified by Visa, contactless payments and 24/7 emergency assistance. And with a low minimum credit limit of $500, this card becomes a little more accessible for smaller spenders.

Overall Rating

A simple low fee credit card offering a range of handy features, the NAB Low Fee Credit Card makes a splash with its balance transfer offer, providing 0% p.a. on balance transfers for 6 months.

User reviews

NAB Low Fee Credit Card ( based on 10 Creditcard.com.au user reviews )

70% rating based on 10 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 19.74% p.a.

Cash advance rate 21.74% p.a.

Interest free on purchases up to 44 days

Balance transfer

Balance transfer rate 0% p.a. for 6 months

Balance transfer revert rate 21.74% p.a.

Balance transfer from personal loan No

Balance transfer fee 2% one off

Balance transfer limit 90% of approved credit limit

Banks you can't balance transfer from NAB

Credit limits

Minimum credit limt $500

Maximum credit limit N/A

Fees & repayments

Annual fee $30 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment

Cash advance fee 2%

Late payment fee $15

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance No

Rental vehicle excess cover No

Overview

NAB Low Fee Credit Card

The NAB Low Fee Card offers 0% p.a. on balance transfers for 6 months (once off 2% balance transfer fee applies) and comes with NAB’s lowest annual card fee of $30, this is a handy card for everyday use. Other benefits of the card include purchase protection insurance, one free additional cardholder, and up to 44 days interest free on purchases. Enjoy benefits like entertainment offers with Visa Entertainment, 24/7 emergency travel assistance with Visa Customer Assistance Services, Visa PayWave, and secure online shopping with Verified by Visa.

Key features

  • 0% p.a. on balance transfers for 6 months (2% one off balance transfer fee applies)
  • Low annual fee of $30
  • Complimentary purchase protection insurance
  • Additional cardholder at no extra cost
  • Up to 44 days interest free on purchases

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia. Temporary residents are eligible.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

56 questions (showing the latest 10 Q&As)

Kim Forbes

Kim Forbes

14 October 2018
I have a $13,500 balance on a Lombard's Store card that I want to transfer to a no Interest card.Is this possible I am paying absorbent credit each month ,Are you able to help with this
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 October 2018
    Hi Kim, which Lombard product do you have? Both the Lombard cards operate more as a line of credit rather than an actual credit card. They do have very high interest and operate on the Visa Debit network. I would say that you should be able to transfer the debt to a Citi balance transfer offer. Citi are the only issuer in Australia that will accept loan debt as part or all of the transfer. Therefore they would be the one to look at. Check out the Citi Rewards Platinum credit card. You will need good credit to get approved for a balance transfer offer.
Ali

Ali

27 April 2018
Is there a minimum annual income required to apply for this card? If I’m a casual employee, can I still apply? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 April 2018
    Hi Ali, NAB themselves do not give minimum income guidelines for applying. Yes you can still apply if you are a casual employee. As a guide I would say you need to earn at least $15,000 to apply. It will take around 15 mins to apply online. You need to be at least 18 years old. They may ask you to provide payslips and bank statements. Overall if you like this card, I would say have a go and apply if the above is all ok for you.
Donna Briggs

Donna Briggs

27 February 2018
Im on a disability pension with a poor credit rating, im trying to find a bank that will allow me a credit card so that i can consolidate some of my bills to make my life a little easier, does nab have anything like this? ???
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 February 2018
    Hi Donna, with a poor credit rating it is very difficult to get approved for a credit card. What I suggest is that you speak to your everyday bank where your pension is deposited and see if there is anything they can do to help. Failing that you need to put a plan in place to pay your current debt down. It will hurt but you need to look at paying the highest interest balance off first and so on. Save where you can. Additionally if you have any friends or family that could assist to get rid of some of the debt.
Claro

Claro

2 December 2017
how much is the minimum monthly repayments for NAB low fee credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 December 2017
    Hi Claro, minimum monthly payment is $25 or 2% of the closing balance, whichever is greater.
Dawn

Dawn

7 November 2017
Hi just clarifying NAB offer is ambiguous 0% bal trnsfr 16mths but then says 2% BT fee applies can you explain pls
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 November 2017
    Hi Dawn, if you transfer $5,000 with this offer. Then the total balance transfer becomes $5,100 (inc the 2% balance transfer fee). You then still have the full 0% intro period to pay off the $5,100 with no interest. As you see a balance transfer fee gets added onto the balance transfer amount.
janis

janis

29 June 2017
What are the minimum earnings
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 June 2017
    Hi Janis, there is no set earnings amount requirement for this card but you need good credit. I would suggest a minimum of 15k a year income to apply.
janis

janis

29 June 2017
Can I balance transfer 8000 from CBA
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 June 2017
    Hi Janis, yes you can go subject to credit approval.
aaron

aaron

19 May 2017
hello I would like to do a balance transfer from another bank to you. Will you take the full balance or just a percentage. Its a small amount of $1100
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 May 2017
    Hi Aaron, yes this is possible to credit approval. I suggest you go for a 2k limit and put in the $1.1k transfer. You can transfer non-NAB debt to this product. Best of luck with your application.
Lena pluhar

Lena pluhar

9 January 2017
Is there a minimum transfer amount, when does this offer end
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 January 2017
    Hi Lena, I have not been able to find the exact amount but I believe it is around $500 but could be a bit lower.
Kerryann

Kerryann

3 January 2017
What is the purchase % after the 15mth period
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 January 2017
    Hi Kerryann, the so called low fee card has a standard rate on purchases of 19.74% p.a. If you are looking for a lower purchase rate you can look at the NAB low rate at 13.99% p.a.
Diane Hurrell

Diane Hurrell

1 December 2016
Am I able to do a credit card transfer if it's a ANZ New Zealand credit card? I work full time in goulburn NSW as a midwife and an Australian citizen.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 December 2016
    Hi Diane, no, you cannot balance transfer any overseas credit card debt to an Australian balance transfer offer. You would need to a balance transfer deal from an NZ bank. If this is not possible then you can look to get a low rate personal loan to pay off the card. This can work if you can get a better interest rate than your current ANZ balance.
Matt

Matt

24 October 2016
Hi there im currently with Comm bank if I applied for this Coles card can u do a balance transfer with interest free. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 October 2016
    Hi Matt, can you balance transfer CBA credit card debt to NAB balance transfer offers.
Indi taylor

Indi taylor

3 October 2016
What is the minimum earning before one can apply with NAB for a credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 October 2016
    At least 15k
Indi

Indi

3 October 2016
What is the minimum income p.a to be able to apply for this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 October 2016
    Hi Indi, NAB have removed any minimum income requirement on this card. It used to be 15k and is one of the easier cards to be approved for. Best of luck with your application.
Philip Rapinett

Philip Rapinett

23 September 2016
I made application that was approved for a balance transfer that was aproved.I will need a transfer of $7000 in the near future.Can I make application for another card to take advantage of the 0% charge?Thank you Phil
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 September 2016
    Hi Philip, subject to credit approval, you can apply for another balance transfer credit card offer to move the 7k to 0% p.a. You would not be able to balance transfer again to the same card you were just approved for.
Jas

Jas

21 September 2016
Can I transfer to another card after the 15 months has expired to avoid going to the higher interest rate? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 September 2016
    Hi Jas, yes you can, subject to credit approval. I have know a range of people that have bounced debt around for over 5 years, though this is not recommended.

Similar Credit Cards

ANZ Low Rate Credit Card

ANZ Low Rate Credit Card

56 reviews
More info
$0 saved over 15 months
Your savings
$ saved over 15 months
Calculate your savings icon
ANZ Frequent Flyer Credit Card

ANZ Frequent Flyer Credit Card

6 reviews
More info
$0 saved over months
Your savings
$ saved over months
Calculate your savings icon
NAB Low Rate Credit Card

NAB Low Rate Credit Card

27 reviews
More info
$0 saved over 6 months
Your savings
$ saved over 6 months
Calculate your savings icon
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.