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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
Apply
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0% for 24 months on Balance Transfers.
**Offer Ends 30th June 2018**Low annual rate of 12.74%p.a coupled with a 24 month 0% Balance Transfer offer, with 1% Balance Transfer Fee! Balance transfers revert to the variable cash advance rate of 19.49%.
Rate 0% 24 months
Fee N/A
N/A
12.74%
$99
0% for 24 months (1% BT fee) + $0 annual fee for the first year!
**Offer ends 30th July 2018** Low annual rate of 12.74%p.a coupled with a 24 month 0% Balance Transfer offer, with 1% Balance Transfer Fee! Also, $0 annual card fee for the first year (saving you $55). Balance transfers revert to the variable cash advance
Rate 0% 24 months
Fee 1%fee
N/A
12.74%
1st Yr No annual Fee, then $55
0% for 24 months on Balance Transfers & Low annual rate of 12.74%p.a
**Offer ends 26th September 2018** 24 months 0% balance transfers (Subject to 1% Balance Transfer Fee). Balance transfers revert to the variable cash advance rate of 19.49%.
Rate 0% 24 months
Fee N/A
N/A
12.74%
$99
0% for 18 months on Balance Transfers & Low annual rate of 13.74%p.a
**Offer Ends 26th September 2018** Low annual rate coupled with 0% for 18 months (Subject to 1% Balance Transfer Fee). Balance transfers revert to the variable cash advance rate of 19.49%.
Rate 0% 18 months
Fee 1%fee
N/A
13.74%
$55
0% for 26 months on Balance Transfers - subject to a 2% balance transfer fee
Get 0% on Balance Transfers for 26 months. A fee of 2% of the transferred balance applies. Rate then reverts to applicable variable cash advance rate of 19.49%. Annual Fee of only $59, 1st year free. Offer ends 31st July 2018.
Rate 0% 26 months
Fee 2%fee
N/A
13.49%
$59

Advice

Low annual rate of 12.74%p.a coupled with a 24 month 0% Balance Transfer offer, with a 1% balance transfer fee. Balance transfers revert to the variable cash advance rate of 19.49%. $0 annual card fee for the first year (saving you $99)!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 24 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Balance Transfer Fee: 1% p.a.
Purchases: 12.74% p.a.
Cash Advance: 19.49% 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

Advice

Low annual rate of 13.24%p.a coupled with a 18 month 0% Balance Transfer offer, with NO Balance Transfer Fee! Also, $0 annual card fee for the first year (saving you $55). Balance transfers revert to the variable cash advance rate of 21.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 24 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Balance Transfer Fee: 1% p.a.
Purchases: 12.74% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: 1st Yr No annual Fee, then $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 1 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

Advice

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

Introductory Offer
Balance Transfer Rate: 0% p.a. for 24 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Balance Transfer Fee: 1% p.a.
Purchases: 12.74% p.a.
Cash Advance: 19.49% 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

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 18 mths
Balance Transfer Fee: 1%fee
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

Advice

You must request balance transfers at card application to get 0% for 26 Month offer. A fee of 2% of the transferred balance applies. Rate then reverts to applicable variable cash advance rate of 19.49%. Offer ends 31st July 2018.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 26 mths
Balance Transfer Fee: 2%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: $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

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

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

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

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

Advice

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

Introductory Offer
Balance Transfer Rate: 0% p.a. for 24 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Balance Transfer Fee: 1% p.a.
Purchases: 12.74% p.a.
Cash Advance: 19.49% 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

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

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

Advice

Earn 50,000 bonus points. Spend $2k in 90 days from card approval. 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: 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

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 18 mths
Balance Transfer Fee: 1%fee
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

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
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

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

Advice

Earn 60,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval. $0 annual card fee in the first year (saving $150). Exclusions apply.

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 No Annual Fee, then $150
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

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

Advice

$0 annual card fee for the first year (saving you $79). You have a choice of St.George Amplify Reward Points or Qantas Reward Points. Balance transfers revert to the variable cash advance rate of 20.24%.

Introductory Offer
Balance Transfer Rate: 3% p.a. for 36 mths
Balance Transfer Fee: 0%fee
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: 1st Yr Free, then $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

Advice

Earn Qantas Airmiles or Amplify Reward points. Earn 90,000 bonus points. Spend $4k in 90 days from card approval. 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: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: $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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