Low Fee Platinum Card card image
Mini meca 2023

NAB Low Fee Platinum 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
$90
Interest free days on purchases
44

Mozo editorial review NAB Low Fee Platinum Card - last updated: 2 November 2023

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What's hot
  • 0% p.a on balance transfers for 12 months (3% BT fee)
  • Travel accident insurance
  • 2023 Mozo Experts Choice Award winner
What's not
  • High 19.74% p.a. variable purchase rate
  • 3% balance transfer fee
Mozo snapshot

NAB's Low Fee Platinum Card comes with a competitive 0% p.a. rate on balance transfers for 12 months (with a one off 3% balance transfer fee). You'll also get the handy benefit of platinum credit cards with travel accident insurance. You can have the Low Fee Platinum card linked to the flybuys rewards program but this really isn't a rewards credit card. If you want real rewards value for your spend you'd be better off looking at the NAB Qantas Rewards Card.

If that's not enough, then you should know that it also won a 2023 Mozo Experts Choice Award for best Premium Card Benefits.

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Key features

The NAB Low Fee Platinum card has a 0% p.a interest rate on balance transfers for 12 months (3% BT fee applies), after which the rate reverts to the variable cash advance rate of 21.74% p.a. Other features include a $90 annual fee, 44 interest free days and a 19.74% p.a. variable purchase rate.

What about the platinum perks? You'll have interstate flight inconvenience insurance, transport accident insurance, domestic hotel burglary insurance, am extended warranty and price protection. When you consider the cost of overseas travel insurance alone, the $90 annual fee for the Low Fee Platinum card is worth it. Not to mention there is COVID-19 medical cover available under selected benefits, but T&Cs apply so be sure to read the product disclosure statement.

With the NAB Low Fee Platinum Card you will get all the benefits of Visa such as Visa Entertainment applause features, 24/7 travel assistance via Visa Global Customer Assistance Services as well as online shopping verified by Visa. 

If you're heading overseas you'll pay a 3.00% foreign exchange margin on any purchases.


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Who is it good for

The NAB Low Fee Platinum could be great for someone looking to knock off debt quickly thanks to the 0% balance transfer rate for the first 12 months (3% BT fee applies).

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Any catches

If you're using the card to blast debt for good, don't let that balance transfer debt sit there for too long or you'll end up paying 21.74% p.a. on any debt left outstanding after 12 months.

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

$90.00

none

none

none

$15.00

3%, Min $3

3.00%

$0.00

$0.00

$0.00

Features

$25.00

2.0

1

From 30 June, 2022, some COVID-19 travel insurance cover may be available under selected benefits of the International Travel Insurance section.

Payment options

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

Rewards privileges

Concierge,
Extended Warranty,
Purchase Protection,
International Travel Insurance,
Interstate Flight Inconvenience Insurance,
Rental Vehicle Excess in Australia Insurance

Other benefits

Travel Insurance, Extended Warranty, Purchase Protection, Guaranteed Pricing

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 Platinum Card Credit Card

About NAB

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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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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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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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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

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American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

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

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G&C Mutual Bank

Platinum Visa Credit Card

Qantas Frequent Flyer

$299

50,000

1 point up to 20,000 points/month

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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

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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

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American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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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

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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

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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

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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

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

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9.90% p.a.

No current offer

$59

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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

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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

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

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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

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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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StraightUp Card

n/a

No current offer

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

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