NAB credit cards

NAB
NAB's overall rating for credit cards

(as rated by the Mozo community)

7.2 / 10

based on 1409 reviews

As one of Australia’s big four banks, NAB offers customers all the security and convenience you could ask for when choosing the right credit card for your spending. Operating since 1982, NAB is the head of the National Australian Bank Group, and a household name in Australia.

Read on for all the facts figures and features of NAB credit cards, plus our handy comparison tables which will help you choose which NAB card is right for you.

Rates and fees verified as correct at 05 December, 2016. Other information correct at the time of writing.

What credit cards do NAB offer?

Low rate credit cards Low rate credit cards

Do you tend to carry a balance on your credit card? If you’re likely to forget a payment (or two) then a low rate credit card is a great way to keep interest costs down. There’s only one offering from NAB, but with a low rate and plenty of interest free days, how can you go wrong? A low rate card is also a great option if you’re looking to manage credit card debt with a balance transfer deal.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

0% p.a. for 15 months then 13.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$59

55

Go to site

0% p.a. for 15 months then 13.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$100

55


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Low fee credit cards Low fee credit cards

NAB have just one low fee offering, but if you’re someone who makes a habit of paying off your full credit card balance each and every month, it might be worth a look! It comes with reasonably high interest rate attached, so make sure you take full advantage of your interest free days if you opt for this low fee option.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

0% p.a. for 15 months then 19.74% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$30

44

Go to site

0% p.a. for 15 months then 13.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$59

55

Go to site

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Rewards credit cards Rewards credit cards

If you’re a frequent flyer or you like to shop up a storm, check out the great rewards card offerings from NAB. You can choose between a Flybuys, Qantas or Velocity card and for the latter two, choose either the classic or platinum version. Like most rewards cards, these ones come with sizeable annual fees and interest rates, so if you opt for one, make it worth it by cashing in on all the great rewards and extra features.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Visa, up to $20,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$95

Go to site

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$95

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $25,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$250

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $25,000 per month

19.99% p.a.

4.99% p.a. for 6 months and then 21.74% p.a.

$250

Go to site

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$95

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$150

Go to site

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Prestige cards Prestige cards

Looking for a premium credit card but not interested in rewards points? Aside from the platinum rewards cards on offer from NAB, there’s also a straight out platinum offering. All the perks of a premium card, but this one has no real rewards points power.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Visa, up to $20,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$95

Go to site

0% p.a. for 15 months then 13.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$100

0% p.a. for 15 months then 19.74% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$90

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $25,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$250

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $25,000 per month

19.99% p.a.

4.99% p.a. for 6 months and then 21.74% p.a.

$250

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$150

Go to site

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Frequent flyer credit cards Frequent flyer credit cards

You’re spoilt for choice with frequent flyer options from NAB - whether you’re a dedicated Qantas customer or you prefer Velocity, there’s a credit card option for you. All your rewards earnings will be automatically credited to the program you choose.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$95

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $25,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$250

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $25,000 per month

19.99% p.a.

4.99% p.a. for 6 months and then 21.74% p.a.

$250

Go to site

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$95

Go to site

1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

$150

Go to site

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Frequently Asked Questions about NAB credit cards

    How many interest free days will I get with a NAB credit card?

    What fees might I be charged?

    What is the minimum monthly payment I must make on a NAB credit card?

    Can I use paypass or paywave with my NAB credit card?

    Can I use my NAB credit card while I’m travelling overseas?

    What kind of insurance options does my NAB credit card offer?

    What rewards options do I have with my NAB rewards credit card?

    What happens if I am the victim of credit card fraud?

How are NAB credit cards rated?

Mozo users have rated NAB credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

NAB credit cards

Overall 7.2*

Price

Features

Customer service

Convenience

Trust

1409 Reviews

* Overall rating based on reviews in the past 12 months.

Recent NAB credit card reviews Recent NAB credit card reviews

NAB

NAB credit card review

Overall rating   9 / 10

NAB offer many options

Sometimes I require customer service because I often travel overseas. When I call they offer exceptional service and nothing is too much of a problem - after getting through the security questions, they give me fantastic service over the phone.

Full review

Sometimes I require customer service because I often travel overseas. When I call they offer exceptional service and nothing is too much of a problem - after getting through the security questions, they give me fantastic service over the phone.

    Price   7 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Michael (VIC), reviewed about 1 month ago

NAB

NAB Low Fee Card credit card review

Overall rating   10 / 10

Great facility

Good Bank

Full review

Good Bank

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Brian (NSW), reviewed about 1 month ago

NAB

NAB Low Fee Card credit card review

Overall rating   9 / 10

NAB offers the right products for me

I pay my card in full each month and have no problems.

Full review

I pay my card in full each month and have no problems.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Diane (NSW), reviewed 3 months ago

NAB

NAB Low Fee Card credit card review

Overall rating   10 / 10

Excellent

I have found NAB rates and customer service to be excellent.

Full review

I have found NAB rates and customer service to be excellent.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Margaret (VIC), reviewed 4 months ago

NAB

NAB Premium Card credit card review

Overall rating   4 / 10

Not good and high interest rates

The bank does not look at your spending habits

Full review

The bank does not look at your spending habits

    Price   3 / 10

    Features   2 / 10

    Customer service   6 / 10

    Convenience   8 / 10

    Trust   2 / 10

Less

Phillip (QLD), reviewed 4 months ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a NAB credit card? What do you need to apply for a NAB credit card?

When you’re ready to go ahead and apply for a NAB credit card, you can do so over the phone, in a branch or quickly and easily online. You’ll have to be over 18 and an Australian resident, as with any credit card application, and provide details about yourself and your finances including: 

For more, check out our guide on applying for a credit card.

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