• Additional cardholder at no extra cost. (You stay responsible for all use of the account.)
• Choose a MasterCard or Visa card.
• Access to NAB Cellar Selections – your gateway to 400+ Australian wine producers, brought to you by Wine Selectors.
• The option to earn FlyBuys points with everyday purchases.
• Three complimentary insurances - overseas travel, purchase protection and extended warranty insurance.
• VIP Lost Card Cover, complimentary for the first 12 months
• Special offers on shows, events, experiences and movies from either Visa Entertainment or MasterCard applause.
• Emergency travel assistance (from Visa Global Customer Assistance Services or MasterCard Global Service) 24 hours, 7 days.
• Secure online shopping with either Verified by Visa or MasterCard SecureCode.
• The balance transfer rate will revert to the purchase rate at the end of the balance transfer period.
• Read the terms and conditions

• Low balance transfer rate for 12 months.
• No cost for additional cardholders.
• Range of rewards and perks: NAB Cellar Selections & Visa Entertainment/MasterCard Applause.
• 3 complimentary insurances: overseas travel, purchase protection and extended warranty insurance.
• Interest rates revert back to the ongoing standard rates after the promo period ends.

How does the NAB Gold Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	NAB Gold Credit Card	19.74%	21.74%	$90	1.00%	12 months
	The Average Credit Card	17.13%	21.03%	$95	2.87%	8 months

You can transfer from:



• American Express
• ANZ
• Aussie
• Bank of Melbourne
• Bank of Queensland
• Bank SA
• Bankwest
• Citibank
• Commonwealth Bank
• HSBC
• St.George
• Suncorp
• Virgin
• Westpac
• Woolworths

You cannot transfer from:



• NAB

The NAB Gold credit card offers some incredibly low rates as well as security features, flexibility to suit your needs and plenty of other extras. Currently you get a very competitive balance transfer and purchase rate of 1.00% p.a. for 12 months. Time is ticking so you’ll have to get in fast to benefit from this!

Pros

In addition to the introductory rates on balance transfers and purchases, the extras you get with the NAB Gold credit card also make it a really good one. These include the option of earning FlyBuys points with everyday purchases, having an additional card holder at no extra cost, a pretty low annual fee, 3 complimentary insurances (overseas travel, purchase protection and extended warranty insurance), you get complimentary VIP Lost Card Cover for 12 months, emergency assistance, the choice of MasterCard or Visa Card and secure online shopping.

If you’re a mid to high income earner who travels, enjoys online shopping and some of the finer things in life, like good wine and entertainment, you could also benefit from a range of special offers you’ll have access as a card holder. These offers may include shows, events, experiences and movies from either Visa Entertainment or MasterCard Applause, as well as access to NAB Cellar Selections – your gateway to 400+ Australian wine producers.

Cons

The promotional rates do revert back to more standard rates for balance transfers and purchases. If you’re always on top of your repayments though, this shouldn’t be an issue. Remember that even the best card will cost you if you’re not on top of these.

Conclusion

If you appreciate flexibility, convenience and security, this card could work really well for you. Just make sure that the annual fee is worth your while by ensuring you’ll be saving more than that each year by using the card. If you apply online you’ll get a fast response and you will receive your NAB Gold card within 5 working days.