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 6 month period (with a one-off 2% balance transfer fee).
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 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 6 months (2% 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 cash advance rate, as opposed to the lower purchase rate.
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.
Late payments will cost you $15 each time - don't make it a regular thing!
| 19.74% p.a. | |
| none | |
| 0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee) | |
| yes | |
| 21.74% p.a. | |
| 44 |
| $30.00 | |
| none | |
| none | |
| none | |
| $15.00 | |
| 2%, Min $2.50 | |
| 3.00% | |
| $0.00 | |
| $0.00 | |
| $0.00 |
| $25.00 | |
| 2.0 | |
| 1 | |
| none |
Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit
Purchase Protection
Standard balance transfer rate of 0% for 6 months is not available in conjunction with the balance transfer special offer; Purchase Protection
It is just like all the other banks.
Read full reviewIt is just like all the other banks.
They are prompt and very efficient if you have a problem with someone using your account.
Read full reviewThey are prompt and very efficient if you have a problem with someone using your account.
During the pandemic NAB reduced my monthly rate automatically, I did not have to contact them and ask for a reduction as this can be embarrassing. I appreciated that they did the right thing.
Read full reviewDuring the pandemic NAB reduced my monthly rate automatically, I did not have to contact them and ask for a reduction as this can be embarrassing. I appreciated that they did the right thing.
This bank is very customer oriented. If I have charges on my account that are suspicious they contact me immediately.
Read full reviewThis bank is very customer oriented. If I have charges on my account that are suspicious they contact me immediately.
They are a necessary evil unfortunately
Read full reviewThey are a necessary evil unfortunately
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
NAB
Qantas Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$250
NAB
Low Fee Platinum Card
19.74% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$90
NAB
Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$195
NAB
Qantas Rewards Signature Card
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
NAB
Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$295
NAB
StraightUp Card
0% p.a.
No current offer
$240 $20/month - waived if no spend & no balance owing
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months and then 20.99% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
Bendigo Rewards
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 28 months and then 20.99% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
Bendigo Rewards
$89
No current offer
1.5 points uncapped
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
Velocity Frequent Flyer
$129 $64 in the first year
100,000
0.66 points up to $1,500/month, then
0.5 points uncapped
Westpac
Altitude Black
Altitude Rewards
$250 $99 in the first year
180,000
1.25 points uncapped
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
100,000
1.25 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 28 months and then 20.99% p.a.
20.74% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
Virgin Money
Virgin Australia Velocity High Flyer Card
0% p.a. for 12 months and then 20.99% p.a.
20.74% p.a.
$289
Velocity Frequent Flyer
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Great Southern Bank
Low Rate Credit Card
0% p.a. for 33 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months and then 9.90% p.a.
0% p.a. for 15 months then 9.90% p.a.
$49 $0 in the first year
Bank of Melbourne
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
BankSA
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
Virgin Money
Low Rate Card
11.99% p.a.
0% p.a. for 15 months and then 21.69% p.a. (1.00% balance transfer fee)
$99
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months then 11.99% p.a.
No current offer
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
$89
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
