Thumbnail icon for NAB

NAB Low Fee Card

Purchase rate
19.74% p.a.
Balance transfer rate
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
Annual fees
$30
Interest free days on purchases
44

Mozo editorial review NAB Low Fee Card

Last updated: 25 February 2019.

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What's hot
  • 0% p.a on balance transfers for 6 months (2% BT fee applies)
  • Low $30 annual fee
What's not
  • High 21.74% cash advance rate
  • 2% balance transfer fee
Mozo snapshot

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).

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Key features

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.

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Who is it good for

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.

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Any catches

Late payments will cost you $15 each time - don't make it a regular thing!

Details

Rates and fees information correct as at 7 June 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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

Fees
  • $30.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $0.00

  • $0.00

  • $0.00

Features
  • $25.00

  • 2.0

  • 1

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit

Rewards privileges

Purchase Protection

Other benefits

Standard balance transfer rate of 0% for 6 months is not available in conjunction with the balance transfer special offer; Purchase Protection

Customer Reviews

How are NAB credit cards rated by the Mozo community?

Overall customer rating
6.7/10

Based on 4232 NAB credit card reviews

Price
5.9/10
Features
6.0/10
Customer service
6.7/10
Convenience
7.5/10
Trust
6.9/10

Latest reviews of NAB Low Fee Card

  • Overall 6/10
    Simple.

    Easy to use, app very user friendly, easy to pay off.

    Read full review

    Easy to use, app very user friendly, easy to pay off.

    Price
    5/10
    Features
    5/10
    Customer service
    -1/10
    Convenience
    10/10
    Trust
    6/10
    Less
    Helen, Queensland reviewed 17 days ago
  • Overall 5/10
    6 out of 10

    Flexible when discussing interest rates for credit card.

    Read full review

    Flexible when discussing interest rates for credit card.

    Price
    5/10
    Features
    4/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    5/10
    Less
    Ben, Victoria reviewed 20 days ago
  • Overall 8/10
    Competitive rewards program

    There are less and less branches, and the branches that are left are only open for short hours. Everything is referred back to online. There are times that you just want to speak to someone face to face. I don't trust online with all details of my finance.

    Read full review

    There are less and less branches, and the branches that are left are only open for short hours. Everything is referred back to online. There are times that you just want to speak to someone face to face. I don't trust online with all details of my finance.

    Price
    6/10
    Features
    8/10
    Customer service
    -1/10
    Convenience
    4/10
    Trust
    7/10
    Less
    Karina, New South Wales reviewed 2 months ago
  • Overall 10/10
    We love NAB.

    I love NAB, we have been with them for a few years now for our credit card and one thing we love is being able to get velocity frequent flyer points! We have been able to have a few free flights in the past couple of years and has saved our family a lot.

    Read full review

    I love NAB, we have been with them for a few years now for our credit card and one thing we love is being able to get velocity frequent flyer points! We have been able to have a few free flights in the past couple of years and has saved our family a lot.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Mikayla, South Australia reviewed 6 months ago
  • Overall 7/10
    Low fees and friendly staff means great service.

    I like the way they set me up with all that I required. They are very accessible and keep me up with product news and alterations.

    Read full review

    I like the way they set me up with all that I required. They are very accessible and keep me up with product news and alterations.

    Price
    5/10
    Features
    -1/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Sue, Queensland reviewed 6 months ago
NAB

About NAB

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.

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