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
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.
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.
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
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 26 months and then 21.74% p.a. (2.00% 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
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
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
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
HSBC
Platinum Credit Card
19.99% p.a.
0% p.a. for 36 months and then 21.99% p.a.
$129 $29 in the first year
Rewards Plus
American Express
Cashback Credit Card
Cashback Rewards
$120
No current offer
1 point uncapped
Westpac
Altitude Platinum
Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 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
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
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
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
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
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
Bankwest
Zero Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
St.George
Amplify Rewards Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Rewards
Bankwest
Zero Platinum Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
NAB
Low Rate Card
0% p.a. for 26 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
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
Citi
Rewards Credit Card
21.49% p.a.
0% p.a. for 30 months and then 22.24% p.a.
$149 $49 in the first year
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
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
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
