7.5 / 10

based on 20808 reviews as rated by Mozo community

NAB credit cards

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. Plus, its a 2020 Mozo Experts Choice Award-winning credit card provider. 

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.

What credit cards do NAB offer?

Rates and fees verified as correct at 24 October, 2020. Other information correct at the time of writing. Advertiser disclosure.

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 on purchases  

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

55

Go to site

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

0

Go to site

0% p.a.

No current offer

$180 $15/month - waived if no spend & no balance owing

0

Go to site

0% p.a.

No current offer

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

0

Go to site

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 on purchases  

19.74% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$30

44

Go to site

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

55

Go to site

Rewards credit cards

If you’re a frequent flyer or you like to shop up a storm, check out the great classic or platinum rewards card offerings from NAB. 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  

0.66 points per dollar on Visa, up to $3,000 per month, then
0.33 points per dollar on Visa, up to $6,000 per month

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$250

Go to site

1 point per dollar on Visa, up to $5,000 per month, then
0.5 points per dollar on Visa, up to $20,000 per month

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

Go to site

1 point per dollar on Visa, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$195

Go to site

1.25 points per dollar on Visa, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$295

Go to site

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  

19.74% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$90

Go to site

0.66 points per dollar on Visa, up to $3,000 per month, then
0.33 points per dollar on Visa, up to $6,000 per month

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$250

Go to site

1 point per dollar on Visa, up to $5,000 per month, then
0.5 points per dollar on Visa, up to $20,000 per month

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

Go to site

1 point per dollar on Visa, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$195

Go to site

1.25 points per dollar on Visa, uncapped

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$295

Go to site

Frequent flyer credit cards

Love to fly Qantas? Check out NAB's range of frequent flyer credit cards to start getting your rewards point stash up to scratch. All your rewards earnings will be automatically credited to the Qantas Frequent Flyer program.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

0.66 points per dollar on Visa, up to $3,000 per month, then
0.33 points per dollar on Visa, up to $6,000 per month

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$250

Go to site

1 point per dollar on Visa, up to $5,000 per month, then
0.5 points per dollar on Visa, up to $20,000 per month

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

Go to site

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about NAB credit cards

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

Making the most of your interest free days is one of the best ways to minimise debt and keep your credit card balance under control. Most NAB cards offer 44 interest free days, but remember that this period starts at the beginning of your statement cycle - not when you make the purchase - so depending on when you hit the shops, you may have less than 44 days to pay the balance off.

What fees might I be charged?

To have a NAB credit card in your wallet, you’ll pay an annual fee, which is different for each different type of card. Other fees that could apply include all the regulars - like late payment, cash advance or international transactions fees. Some of them, like late payment fees, are set dollar amounts, while others, including international transaction fees, will be calculated as a percentage of the transaction amount.

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

This one gets a bit tricky, because there are two payments you might see on your NAB credit card statement. The first is the monthly payment. To work out what your monthly payment might be, check out our table below:

Closing balanceMonthly payment
Less than $25The whole balance
$25 - $1,250$25
More than $1,2502% of your closing balance

After that, comes your total minimum payment, which is the amount you need to pay off that month. Sometimes this is the same as your monthly payment, but if you went over your credit limit last month or you have payments overdue on your account then it will be different.

In this case, the higher amount will be added to your monthly payment to get your total minimum payment. 

Confused? Here’s an example: If your closing balance was $300, your monthly payment would be $25. But, say you didn’t pay off your total minimum balance last month, and still owe $40, plus, this month, you bought a new laptop, which pushed you $30 over your credit card limit. The higher amount - $40 - will be added to your $25 monthly payment to get your total minimum payment for this month - $65. This can build up quickly, until you find yourself with big repayments to make and even bigger debt behind them. For more info on keeping your repayments under control, check out our guide on managing your credit card balance.

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

Depending on what NAB credit card you opt for, you’ll be using either the VISA, MasterCard or AMEX system, all of which offer contactless payment options.

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

Absolutely! As mentioned above, there are fees for foreign transactions, but Visa and Mastercard are both widely accepted around the world, so your NAB credit card is too. Premium cards even offer complimentary travel insurance, so if you don’t want the comprehensive cover of a standalone travel insurance policy, it might be very handy to have your credit card with you.
But keep in mind that you might end up hit with ATM fees, cash withdrawal fees and changing exchange rates. If you don’t want that hassle, check out a prepaid travel card for your next trip.

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

NAB platinum credit cards offer seven different complimentary insurance covers, including:

• Purchase protection insurance

• Extended warranty insurance

• Price protection insurance

• Overseas travel insurance

• Interstate flight inconvenience insurance

• Transport accident insurance

• Domestic hotel burglary insurance

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

If you’ve got a NAB rewards card, you can choose between NAB's own rewards program, or a Qantas Frequent Flyer option, which allows you to funnel your rewards points straight into the Qantas Frequent Flyer Program. You can then redeem them in the Qantas store for a bunch of retail products, or use them on travel arrangements, like flights, accommodation or rental cars.

Read our guide on calculating rewards points to make sure you’re getting the most out of your rewards credit card.

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

Credit card fraud is something you should definitely be aware of when using a credit card. For your peace of mind, NAB monitors card activity 24/7, so if an unusual transaction is made on your account, they can block the card, just in case. 

On the flip side, this means that if you’re travelling and plan to use your credit card, you should let the bank know before you go, so they don’t mistakenly lock you out of your account while overseas. NAB also offers a 100% money back guarantee in the case of credit card fraud.

How are NAB credit cards rated?

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

Icon of credit-cards
NAB credit cards
Overall
6.7/10
Price
Features
Customer service
Convenience
Trust
4258 reviews

Recent NAB credit card reviews

NAB Low Fee Card review
Overall 10/10
Best bank ever used

This bank is very customer oriented. If I have charges on my account that are suspicious they contact me immediately.

Read full review

This bank is very customer oriented. If I have charges on my account that are suspicious they contact me immediately.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Carol, Queensland reviewed 8 days ago
NAB Credit Card review
Overall 8/10
Good bank.

I have been with NAB for many years and they have always been good to me.

Read full review

I have been with NAB for many years and they have always been good to me.

Price
8/10
Features
5/10
Customer service
8/10
Convenience
8/10
Trust
6/10
Less
Ineke, New South Wales reviewed 25 days ago
NAB Credit Card review
Overall 10/10
Everything on credit and move money accordingly.

I have had a credit card with NAB for years. It is a VISA card and I put all my expenses on the credit card. I then receive Qantas Frequent Flyer Points. I simply move money onto my card and never rack up high levels of interest. If you are disciplined and pay off the card it can be very rewarding. I cashed in some frequent flyer points today for a Caltex fuel card.

Read full review

I have had a credit card with NAB for years. It is a VISA card and I put all my expenses on the credit card. I then receive Qantas Frequent Flyer Points. I simply move money onto my card and never rack up high levels of interest. If you are disciplined and pay off the card it can be very rewarding. I cashed in some frequent flyer points today for a Caltex fuel card.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Jess, New South Wales reviewed 25 days ago
NAB Credit Card review
Overall 10/10
Great customer service

They have been fantastic with the COVID pandemic. Lowering the monthly repayment for three months.

Read full review

They have been fantastic with the COVID pandemic. Lowering the monthly repayment for three months.

Price
7/10
Features
5/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Alicia, New South Wales reviewed 29 days ago
NAB Credit Card review
Overall 9/10
Definitely a friendly customer first bank.

They have been very helpful with all applications and always friendly.

Read full review

They have been very helpful with all applications and always friendly.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
9/10
Trust
8/10
Less
Talie, Victoria reviewed about 2 months ago

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.

Credit card quick links