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NAB
Credit Cards Review

Compare NAB Credit Cards Compare NAB credit cards – read our review and compare the features and benefits available from NAB. We can help you to make an informed decision and find a card that suits you.

NAB Credit Cards offer great rates together with a range of benefits such as introductory periods with 0% on balance transfers and very low annual fees, plus low rates after initial bonus periods expire. Customers can also benefit from up to 55 interest free days, providing you with time to pay off balances over a period that suits you.

Customers can access credit card statements online with the NAB online banking service, allowing you to manage your account 24 hours a day, 7 days a week.

NAB credit cards come with up to 55 interest free days on purchases (where applicable), which effectively allows you to delay payment for any purchases you make over the set period. As long as you always ensure your balance is paid off in full within the agreed interest free period, you won't pay any interest. If you require additional time to make the payment, the typical interest rate will be applied to your balance.

Top 5 Credit Cards products*

Card
Issuer
Balance Transfers
Purchases
Std.Rate(p.a)
Annual Fee
Apply
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St.George Vertigo Platinum
0% for 26 months on Balance Transfers & Complimentary Insurances.
Low annual rate of 12.74%p.a coupled with a 26 month 0% Balance Transfer offer, with 2% Balance Transfer Fee! Also, $0 annual card fee for the first year (saving you $99). BT reverts to variable cash advance rate.
Rate 0% 26 months
Fee 2%fee
N/A
12.74%
1st Yr No annual Fee, then $99
Apply >
More Info
Westpac Low Rate Card
0% for 24 months on Balance Transfers (subject to 1% fee). No Annual Fee in 1st Year, then $59.
Get 0% on Balance Transfers for 24 months on balance transfers requested at card application (1% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 19.49%. 1st year No Annual Fee, then only $59.
Rate 0% 24 months
Fee 1%fee
N/A
13.49%
1st Year Free, then $59
Apply >
More Info
St.George Vertigo
0% for 16 months on Balance Transfers (NO BT fee). Annual fee of $55.
**Offer ends 23rd Jan 2019** Low annual rate of 13.74%p.a coupled with a 16 month 0% BT offer, with NO BT Fee! $55 Annual Fee. Balance transfers revert to the variable cash adv rate of 19.49%p.a
Rate 0% 16 months
Fee N/A
N/A
13.24%
$55
Apply >
More Info
BankSA Vertigo Platinum
0% for 26 months on Balance Transfers & Low annual rate of 12.74%p.a. 1st Yr No annual Fee, then $99.
**Offer ends 23rd Jan 2019** 26 months 0% balance transfers (Subject to 2% Balance Transfer Fee). Balance transfers revert to the variable cash advance rate of 19.49%. 1st Yr No annual Fee, then $99.
Rate 0% 26 months
Fee 2%fee
N/A
12.74%
1st Yr No annual Fee, then $99.
Apply >
More Info
BankSA Vertigo
0% for 16 months on Balance Transfers & Low annual rate of 13.74%p.a
**Offer Ends 23rd Jan 2019** Low annual rate coupled with 0% for 16 months on Balance Transfers (Subject to NO BT Fee). $55 Annual Fee. Balance transfers revert to the variable cash advance rate of 19.49%.
Rate 0% 16 months
Fee N/A
N/A
13.74%
$55
Apply >
More Info

St.George Vertigo Platinum

Advice

Low annual rate of 12.74%p.a coupled with a 26 month 0% Balance Transfer offer, with 2% Balance Transfer Fee! Also, $0 annual card fee for the first year (saving you $99). Balance transfers revert to the variable cash advance rate of 19.49%. Also, get a range of complimentary insurances and concierge service.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 26 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Balance Transfer Fee: 2% p.a.
Purchases: 12.74% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: 1st Yr No annual Fee, then $99
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Westpac Low Rate Card

Advice

Get 0% on Balance Transfers for 24 months on balance transfers requested at card application (1% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 19.49%. 1st year No Annual Fee, then only $59.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 24 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.49% p.a.
Purchases: 13.49% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: 1st Year Free, then $59
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

St.George Vertigo

Advice

**Offer ends 23rd Jan 2019** Low annual rate of 13.74%p.a coupled with a 16 month 0% Balance Transfer offer, with NO BT Fee! Balance transfers revert to the variable cash adv rate of 19.49%p.a

Introductory Offer
Balance Transfer Rate: 0% p.a. for 16 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.74% p.a.
Purchases: 13.24% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an income of $15,000 or more per year

BankSA Vertigo Platinum

Advice

Balance transfers revert to the variable cash advance rate of 19.49%. 1st Yr No annual Fee, then $99.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 26 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Balance Transfer Fee: 2% p.a.
Purchases: 12.74% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: 1st Yr No annual Fee, then $99.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

BankSA Vertigo

Advice

Low ongoing rate and Balance Transfer offer. Balance transfers revert to the variable cash advance rate of 19.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 16 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.74% p.a.
Purchases: 13.74% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Suncorp Clear Options Platinum Card

Advice

Up to 60,000 Bonus Reward Points when you spend $1,500 each month using a Suncorp Clear Options Platinum Credit Card for six months from card approval.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $129
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • Are at least 18 years of age
  • Have a good credit rating
  • Earn taxable income of $25,000 per year or more
  • Are a permanent Australian resident

Westpac 55 Day Classic Card

Advice

Get 0% on Balance Transfers for 20 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 21.29%. $0 Annual Fee for the First year and subsequent years when you spend a minimum of $5000.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 20 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.84% p.a.
Purchases: 19.84% p.a.
Cash Advance: 21.29% p.a.
Annual Fee: 1st Yr Free, then $30
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Westpac 55 Day Platinum Card

Advice

Get 0% on Balance Transfers for 20 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 21.29%.$0 Annual Fee for the First year ($90 thereafter).

Introductory Offer
Balance Transfer Rate: 0% p.a. for 20 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.84% p.a.
Purchases: 19.84% p.a.
Cash Advance: 21.29% p.a.
Annual Fee: 1st Yr Free, then $90
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

St.George No Annual Fee

Advice

Outside of special offer interest is applied from the moment a purchase is made. Balance transfers revert to the variable cash advance rate of 20.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 12 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.49% p.a.
Purchases: 20.49% p.a.
Cash Advance: 20.49% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Bank of Melbourne Vertigo Platinum

Advice

Balance transfers revert to the variable cash advance rate of 19.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 26 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Balance Transfer Fee: 2% p.a.
Purchases: 12.74% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: 1st Yr No annual Fee, then $99
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

ANZ Low Rate

Advice

0% p.a. first 15 months on balance transfers* & No Balance Transfer Fee! *Reverts to standard balance transfer rate, currently 21.74% p.a. Eligibility criteria, T&Cs, fees and charges apply.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 12.49% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $58 p.a.
Standard Features
Credit Limit: Subject to Status (min $1,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $15,000.pa

ANZ First

Advice

0% p.a. first 18 months on balance transfers with a 2% Balance Transfer fee. Reverts to standard balance transfer rate, currently 21.49% p.a.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.49% p.a.
Purchases: 19.74% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $30
Standard Features
Credit Limit: Subject to Status (min $1,000)
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $15,000.pa

St.George Amplify Platinum (Qantas)

Advice

Earn 50,000 Qantas Points. Spend 2k in 90 days from card approval.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: $99
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have a minimum income of $35,000 per year

Bank of Melbourne Vertigo

Advice

Low ongoing rate and Balance Transfer offer. Balance transfers revert to the variable cash advance rate of 19.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 16 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.74% p.a.
Balance Transfer Fee: 1% p.a.
Purchases: 13.74% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an income of $15,000 or more per year

Virgin Australia Velocity Flyer Card (BT offer)

Advice

Enjoy an exclusive $129 Virgin Australia Gift Voucher each year. Simple make a retail purchase in the 2 months prior to requesting your voucher. Use your Virgin Australia Gift Voucher when booking Virgin Australia flights on any fare type (including sale fares) or selected Virgin Australia Holidays’ packages anytime within 6 months of voucher issue date.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $64 first year, then $129 p.a.
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Virgin Low Rate Card

Introductory Offer
Balance Transfer Rate: 0% p.a. for 14 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.69% p.a.
Purchases: 11.99% p.a.
Cash Advance: 21.69% p.a.
Annual Fee: $99 - 50% off in 1st year = $49.50
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Virgin Money Velocity Flyer Card (Annual Fee Offer)

Advice

Exclusive offer - $64 annual fee for the first year! Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 6 mths
Annual Rates
Balance Transfers: 20.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: $129 - $65 off in 1st year = $64
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Westpac Altitude Platinum

Advice

Earn 60,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible purchases within 90 days of card approval. $0 annual card fee for the first year (saving $150) + a $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.24% p.a.
Purchases: 20.24% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: 1st Yr $50 Annual Fee, then $200
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Approval Criteria
  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $65,000p.a

Virgin Australia Velocity Flyer Card (BT & Purchase Rate Offer)

Advice

Exclusive reduced flights offer when you and a friend travel together on Virgin Australia domestic Saver fares up to 4 times a year!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 14 mths
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $129
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

St.George Amplify

Advice

You have a choice of St.George Amplify Reward Points or Qantas Reward Points.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 14 mths
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: $79
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

St.George Amplify Signature (Qantas)

Advice

Earn 80,000 bonus Qantas Points - when you spend $4,000 on a new card within 90 days of card approval

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: $179 in first yr, then $279
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have a minimum income of $75,000 per year

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