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
Interest free days on purchases
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Mozo editorial review NAB Low Fee Platinum Card - last updated: 12 April 2021

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What's hot
  • 0% p.a on balance transfers for 6 months (2% BT fee)
  • Travel accident insurance
What's not
  • High 19.74% p.a. purchase rate
  • 2% balance transfer fee
Mozo snapshot

NAB's Low Fee Platinum Card comes with a competitive 0% p.a. rate on balance transfers for 6 months (with a one off 2% balance transfer fee). You'll also get the handy benefit of platinum credit cards with travel accident insurance. You can have the Low Fee Platinum card linked to the flybuys rewards program but this really isn't a rewards credit card. If you want real rewards value for your spend you'd be better off looking at the NAB Qantas Card or the NAB Velocity Card.

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Key features

The NAB Low Fee Platinum card has a 0% p.a interest rate on balance transfers for 6 months (2% BT fee applies). Other features include a $90 annual fee, 44 interest free days, a 19.74% p.a. purchase rate and a 21.74% p.a. cash advance rate.

What about the platinum perks? You'll have interstate flight inconvenience insurance, transport accident insurance, domestic hotel burglary insurance, a extended warranty and price protection. When you consider the cost of overseas travel insurance alone, the $90 annual fee for the Low Fee Platinum card is worth it.

With the NAB Low Fee Platinum Card you will get all the benefits of Visa such as Visa Entertainment applause features, 24/7 travel assistance via Visa Global Customer Assistance Services as well as online shopping verified by Visa. 

If you're heading overseas you'll pay a 3.00% foreign exchange margin on any purchases.

Who is it good for

The NAB Low Fee Platinum could be great for someone looking to knock off debt quickly thanks to the 0% balance transfer rate.

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Any catches

If you're using the card to blast debt for good, don't let that balance transfer debt sit there for too long or you'll end up paying 21.74% p.a. on any debt left outstanding after 6 months.


Rates and fees information correct as at 20 January 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 6 months and then 21.74% p.a. (2.00% balance transfer fee)


21.74% p.a.








2%, Min $2.50










Payment options

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

Rewards privileges

Extended Warranty,
Purchase Protection,
International Travel Insurance,
Transit Accident Insurance,
Interstate Flight Inconvenience Insurance,
Rental Vehicle Excess in Australia Insurance

Other benefits

Travel Insurance, Extended Warranty, Purchase Protection, Guaranteed Pricing

Customer Reviews

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