NAB Low Fee Card

0% for 15 months then 19.74%

0% for 15 months (2.00% balance transfer fee)

$30

NAB Low Fee Card Review

Rates and fees information correct as at 27 July 2016.

Review published: 19 April 2013

What's hot:

  • Low $30 annual fee

  • 0% p.a on purchases and balance transfers for 15 months

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 be free of interest for the first 15 months with 0% p.a on purchases and if you are looking to move debt across you'll also enjoy a 0% p.a. on balance transfers for the same 15 month period (with a one-off 2% balance transfer fee).

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 and there's also a generous 0% purchase rate for the first 15 months. 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 15 months. And unlike a lot of other cards, after the balance transfer period is up, the rate reverts to the purchase rate, as opposed to the high cash advance rate.

Who it's 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.

Any catches?

Getting a duplicate statement will cost you $7 - don't make it a regular thing!

How are NAB credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
7.2

Based on 1409
NAB credit cards reviews

6.3 6.4 7.2 7.6 7.4

Read NAB credit card reviews by the Mozo community

Latest reviews of NAB Low Fee Card

NAB

NAB Low Fee Card credit card review

Overall rating   8 / 10

Excellent customer service.

Bank is flexible to your needs and promptly respond to any queries I have.

Full review

Bank is flexible to your needs and promptly respond to any queries I have.

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

John (VIC), reviewed 3 months ago

NAB

NAB Low Fee Card credit card review

Overall rating   9 / 10

Great Rates

Awesome customer service

Full review

Awesome customer service

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Simone (NSW), reviewed 4 months ago

NAB

NAB Low Fee Card credit card review

Overall rating   10 / 10

Average purchase rate, convenient to use overseas.

19.74% per annum purchase rate isn't too bad. Seems high but all credits are. It's convenient and they always send reminders when payment is due. Customer service is great.

Full review

19.74% per annum purchase rate isn't too bad. Seems high but all credits are. It's convenient and they always send reminders when payment is due. Customer service is great.

    Price   5 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Isabelle (QLD), reviewed 4 months ago

NAB

NAB Low Fee Card credit card review

Overall rating   10 / 10

Good customer service. Phone service also good

Have been with them for over 20 years. They're a trusted bank, yes they raise their fees occasionally but all banks do that. Their customer service is always good when I go into the branch.

Full review

Have been with them for over 20 years. They're a trusted bank, yes they raise their fees occasionally but all banks do that. Their customer service is always good when I go into the branch.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Tristan (WA), reviewed 6 months ago

NAB

NAB Low Fee Card credit card review

Overall rating   5 / 10

Not enough staff or ATMs, high rates.

This bank often doesnt even provide external ATMs. So if the mall is closed I have to get charged for using a non NAB atm. They always have extensive lines, so they don't seem to be employing enough people.

Full review

This bank often doesnt even provide external ATMs. So if the mall is closed I have to get charged for using a non NAB atm. They always have extensive lines, so they don't seem to be employing enough people.

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Ros (NSW), reviewed 8 months ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Rates

  • 19.74%

  • 0% for 15 months

  • 0% for 15 months (2.00% balance transfer fee)

  • no

  • 21.74%

  • 44

Fees

  • $30.00

  • none

  • none

  • none

  • $9.00

  • 2%, Min $2.50

  • 3.00%

  • $7.00

  • $5.00

  • $0.00

Other financial bits

  • $25.00

  • 2.0

Features

  • 1

  • none

  • Purchase Protection

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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