Purchase rate
19.74% p.a.
Balance transfer rate
0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)
Annual fees
Interest free days on purchases

Mozo editorial review NAB Low Fee Card - last updated: 5 February 2022

binocular icon
What's hot
  • 0% p.a on balance transfers for 12 months (3% BT fee applies)
  • Low $30 annual fee
What's not
  • High 21.74% p.a. cash advance rate
  • 3% 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 12 month period (with a one-off 3% balance transfer fee).

key icon
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% 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 12 months (3% 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.

Who is it good for

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.

question icon
Any catches

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


Rates and fees information correct as at 18 May 2022 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.

19.74% p.a.


0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)


21.74% p.a.








2%, Min $2.50










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?

Customer service
Based on 4301 NAB credit card reviews

Latest reviews of NAB Low Fee Card Credit Card

About NAB