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%. And if you're taking the Low Fee Card travelling, the news is good - the foreign exchange margins sits at 3.00%.
If you have existing debt on another card, the NAB Low Fee Card offers a 0% rate on balance transfers for 6 months (2% balance transfer fee applies). 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 is perfect 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
The NAB has always had very good customer service. Would be nice if they were offering better interest rates.
Read full reviewThe NAB has always had very good customer service. Would be nice if they were offering better interest rates.
The credit card should be able to be accessed by both cardholders so that both can pay the credit card off when they use it. However, the only person that can see the credit card balance because he is the primary owner is my husband (who is away all the time with work). I use the credit card all the time and I pay most of the credit card bills, yet the only way I can see the balance is to log into my husband's online banking so that I can pay the bill. We, my husband and I, have approached NAB many times about this, yet they to date have done nothing. How silly is this, when we both have internet banking accounts and I pay most of the bills for the household. So I have to go into my internet banking to pay all the money transfer bills and then I have to go into my husband's account to just pay the credit card bill, even though my credit card is the same account with a different number than my husband's, yet I cannot see it on my internet banking. Not to mention the terrible interest rate too.
Read full reviewThe credit card should be able to be accessed by both cardholders so that both can pay the credit card off when they use it. However, the only person that can see the credit card balance because he is the primary owner is my husband (who is away all the time with work). I use the credit card all the time and I pay most of the credit card bills, yet the only way I can see the balance is to log into my husband's online banking so that I can pay the bill. We, my husband and I, have approached NAB many times about this, yet they to date have done nothing. How silly is this, when we both have internet banking accounts and I pay most of the bills for the household. So I have to go into my internet banking to pay all the money transfer bills and then I have to go into my husband's account to just pay the credit card bill, even though my credit card is the same account with a different number than my husband's, yet I cannot see it on my internet banking. Not to mention the terrible interest rate too.
I have been using this product for quite some years. It's uncomplicated and works so I've got no reason to change.
Read full reviewI have been using this product for quite some years. It's uncomplicated and works so I've got no reason to change.
This credit card was very easy to apply for, even when I needed it quickly. Customer service was friendly and made the process easy to understand. Pick-up was also easy and convenient.
Read full reviewThis credit card was very easy to apply for, even when I needed it quickly. Customer service was friendly and made the process easy to understand. Pick-up was also easy and convenient.
Easy to use, app very user friendly, easy to pay off.
Read full reviewEasy to use, app very user friendly, easy to pay off.
National Australia Bank is one of the big four banks who provide a large variety of financial products to the Australian Community. In recent times NAB has set itself apart from the other big four banks; by expanding their ATM network, removing many fees and maintaining low standard variable home loan rates. NAB's changes to its financial products have made their home loan, credit card, loans, savings accounts and personal loans more competitive within the banking industry.
See NAB credit cards
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NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
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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
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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
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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
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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
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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
Promoted
NAB
StraightUp Card
0% p.a.
No current offer
$240 $20/month - waived if no spend & no balance owing
Promoted
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Bankwest
Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
St.George
No Annual Fee
20.74% p.a.
0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$0
Promoted
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Promoted
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Promoted
St.George
Amplify Platinum
Qantas Frequent Flyer
$99
60,000
0.5 points uncapped
Promoted
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
60,000
0.5 points uncapped
Promoted
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Promoted
Westpac
Altitude Black
Altitude Rewards
$250
150,000
1.25 points uncapped
Promoted
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
Promoted
Bankwest
More Platinum Mastercard
Bankwest More Rewards
$160
75,000
2 points up to 400,000 points/year
Promoted
St.George
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Promoted
Bankwest
Zero Platinum Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
Promoted
Westpac
Low Rate
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months and then 22.24% p.a.
0.90% p.a. for 15 months then 14.99% p.a.
$99
Promoted
NAB
Low Rate Card
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
Promoted
St.George
No Annual Fee
0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
20.74% p.a.
$0
Promoted
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
Promoted
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
Promoted
St.George
Vertigo Platinum
0% p.a. for 15 months then 12.99% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$99 $49 in the first year
Promoted
BankSA
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Bankwest
Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Promoted
St.George
Vertigo Platinum
0% p.a. for 15 months then 12.99% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$99 $49 in the first year
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$69
