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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
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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 29 September 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
6.7/10

Based on 4255 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 7/10
    Good service but low rates.

    The NAB has always had very good customer service. Would be nice if they were offering better interest rates.

    Read full review

    The NAB has always had very good customer service. Would be nice if they were offering better interest rates.

    Price
    3/10
    Features
    6/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Maria, New South Wales reviewed 2 months ago
  • Overall 1/10
    They don't get card security or customer service.

    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 review

    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.

    Price
    1/10
    Features
    1/10
    Customer service
    1/10
    Convenience
    1/10
    Trust
    1/10
    Less
    Margy, Queensland reviewed 3 months ago
  • Overall 9/10
    No frills, value card.

    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 review

    I have been using this product for quite some years. It's uncomplicated and works so I've got no reason to change.

    Price
    9/10
    Features
    7/10
    Customer service
    -1/10
    Convenience
    10/10
    Trust
    8/10
    Less
    Krista, New South Wales reviewed 4 months ago
  • Overall 9/10
    Easy to understand and good customer service

    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 review

    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.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Olivia, New South Wales reviewed 4 months ago
  • 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 4 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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