Low Fee Card card image

NAB Low Fee Card

Advertiser disclosure
Purchase rate
19.74% p.a.
Balance transfer rate
0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)
Annual fees
$30
Interest free days on purchases
44

Mozo editorial review NAB Low Fee Card - last updated: 14 February 2024

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What's hot
  • 0% p.a on balance transfers for 12 months (3% BT fee applies)
  • Low $30 annual fee
  • Up to $200 credit back
What's not
  • High 21.74% p.a. variable cash advance rate
  • 3% balance transfer fee
Mozo snapshot

NAB's Low Fee Card is great for everyday use. No frills, low fees and top security combine to create a safe, accessible and easy to use card. The card has a low $30 annual fee, plus you'll enjoy a 0% p.a. on balance transfers for 12 month period (with a one-off 3% balance transfer fee).

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Key features

Low Fee Card customers have access to contactless purchasing, emergency travel assistance, and secure online shopping, as well as the exclusive Visa Entertainment program.

A super-low annual fee of $30 is a big plus, but steer clear of cash advances with this card - the (variable) rate is a steep 21.74% p.a. And if you're taking the Low Fee Card travelling, keep in mind the foreign exchange margins sits at 3.00%.

If you have existing debt on another card, the NAB Low Fee Card offers a 0% p.a. rate on balance transfers for 12 months (3% balance transfer fee applies) - and then 21.74% p.a. However, like a lot of other cards, after the balance transfer period is up the rate reverts to the variable cash advance rate, as opposed to the lower (variable) purchase rate.

You can also have the chance to get $200 cash back. You'll get $200 cashback when you spend $1,500 on purchases within 90 days from account opening.

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Who is it good for

The NAB Low Fee Card could be a great option for anyone looking for a low fee credit card with a generous interest free period that is simple, easy and fuss-free.

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Any catches

Late payments will cost you $15 each time - don't make it a regular thing!

Details

Rates and fees information correct as at 29 March 2024 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

19.74% p.a.

none

0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)

yes

21.74% p.a.

44

Fees

$30.00

none

none

none

$15.00

3%, Min $3

3.00%

$0.00

$0.00

$0.00

Features

$25.00

2.0

1

none

Payment options

Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit

Rewards privileges

Purchase Protection

Other benefits

Receive up to $200 cash back - $200 cashback when you spend $1,500 on purchases within 90 days from account opening. Standard balance transfer rate of 0% for 6 months is not available in conjunction with the balance transfer special offer; Purchase Protection

Customer Reviews

How are NAB credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust
Based on 4341 NAB credit card reviews

Latest reviews of NAB Low Fee Card Credit Card

About NAB

Thumbnail icon for NAB
NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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American Express

Platinum Edge Credit Card

23.99% p.a.

No current offer

$195 $0 in the first year

Membership Rewards

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G&C Mutual Bank

Platinum Visa Credit Card

19.99% p.a.

No current offer

$299

Qantas Frequent Flyer

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American Express

Qantas Ultimate Card

23.99% p.a.

No current offer

$450

Qantas Frequent Flyer

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American Express

Explorer Credit Card

23.99% p.a.

No current offer

$395

Membership Rewards

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American Express

Velocity Platinum Card

23.99% p.a.

No current offer

$375

Velocity Frequent Flyer

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American Express

Qantas Discovery Card

23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

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American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for American Express
American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
1 point uncapped

Thumbnail icon for G&C Mutual Bank
G&C Mutual Bank

Platinum Visa Credit Card

Qantas Frequent Flyer

$299

50,000

1 point up to 20,000 points/month

Thumbnail icon for NAB
NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Thumbnail icon for American Express
American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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NAB

Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

Thumbnail icon for American Express
American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for American Express
American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for NAB
NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

Thumbnail icon for NAB
NAB

Low Rate Card

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

13.49% p.a.

$59 $0 in the first year

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Citi

Premier Credit Card

0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

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Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

0% p.a. for 9 months then 20.74% p.a.

$60

Q Rewards

Thumbnail icon for Virgin Money
Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 24 months and then 20.99% p.a.

20.74% p.a.

$149 $0 in the first year

Velocity Frequent Flyer

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Bankwest

More Mastercard

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$100

Bankwest More Rewards

Thumbnail icon for NAB
NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

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HSBC

Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

Thumbnail icon for MOVE Bank
MOVE Bank

Low Rate Credit Card

8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

Thumbnail icon for NAB
NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

Thumbnail icon for American Express
American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for HSBC
HSBC

Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

Thumbnail icon for Australian Unity
Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

Thumbnail icon for MOVE Bank
MOVE Bank

Low Rate Credit Card

8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

Thumbnail icon for Bank of Queensland
Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months then 20.74% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$60

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Westpac

Flex Card

0% p.a.

No current offer

$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.

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NAB

StraightUp Card

n/a

No current offer

$240 $20/month - waived if no spend & no balance owing

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