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 19 February, 2018. 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 6 months then 13.99% p.a.

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

$59

55

Go to site

0% p.a. for 9 months then 13.99% p.a.

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

$100

55

Go to site

Hide

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  

19.74% p.a.

0% p.a. for 16 months and then 21.74% p.a. (2.00% balance transfer fee)

$30

44

Go to site

0% p.a. for 6 months then 13.99% p.a.

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

$59

55

Go to site

Hide

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  

0.5 points per dollar on Visa, up to $3,000 per month

19.99% p.a.

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

$95

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.

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

$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.

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

$395

Go to site

0.75 points per dollar on Visa, uncapped

19.99% p.a.

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

$95

Go to site

1 point per dollar on Visa, uncapped

19.99% p.a.

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

$195

Go to site

1.25 points per dollar on Visa, uncapped

19.99% p.a.

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

$295

Go to site

Hide

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  

0% p.a. for 9 months then 13.99% p.a.

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

$100

Go to site

19.74% p.a.

0% p.a. for 20 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.

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

$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.

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

$395

Go to site

1 point per dollar on Visa, uncapped

19.99% p.a.

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

$195

Go to site

1.25 points per dollar on Visa, uncapped

19.99% p.a.

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

$295

Go to site

Hide

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  

0.5 points per dollar on Visa, up to $3,000 per month

19.99% p.a.

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

$95

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.

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

$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.

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

$395

Go to site

Hide

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   6 / 10

They are all the same

Had a past experience with bank manager who had selective memory problems

Full review

Had a past experience with bank manager who had selective memory problems

    Price   2 / 10

    Features   4 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   4 / 10

Less

Victor (TAS), reviewed 3 days ago

NAB

NAB credit card review

Overall rating   8 / 10

Good service and helpful staff

Simple banking, all connected and stable internet banking facilities. Every service issue I have ever had, has been sorted quickly and efficiently.

Full review

Simple banking, all connected and stable internet banking facilities. Every service issue I have ever had, has been sorted quickly and efficiently.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Ken (VIC), reviewed 4 days ago

NAB

NAB credit card review

Overall rating   0 / 10

Poor layout

Their fees are ridiculous. They take payments even though you have no money and then charge you extra interest.

Full review

Their fees are ridiculous. They take payments even though you have no money and then charge you extra interest.

    Price   3 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   0 / 10

Less

Dan (QLD), reviewed 4 days ago

NAB

NAB Low Fee Card credit card review

Overall rating   6 / 10

Its 50%

Interest still high.

Full review

Interest still high.

    Price   10 / 10

    Features   -1 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Raelene (SA), reviewed 4 days ago

NAB

NAB Low Fee Card credit card review

Overall rating   9 / 10

Excellent customer service

When paying off balances on my credit card, they apply payment to highest interest item first!

Full review

When paying off balances on my credit card, they apply payment to highest interest item first!

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Geoffrey (NSW), reviewed 17 days 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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