NAB Low Fee Card | Review Details & Apply Online

NAB Low Fee Card

Card features
balance transfer
purchase rate
annual fee
NAB Low Fee Card
Low $30 p.a. ongoing annual fee.
Complimentary purchase protection insurance.
0% p.a. for 6 months on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
Add to comparison
6 months
0% p.a.
then 21.74%
with a 2% fee
19.74% p.a.

Pros & cons

What's good?

What's not so good?

Low $30 p.a. ongoing annual fee.
Complimentary purchase protection insurance.
0% p.a. for 6 months on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
Additional cardholder at no extra cost.
Handy payWave “tap and go” technology to make in store purchases even faster.
There is no promotional balance transfer offer.

*NAB may vary or end this offer at any time.

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

3.6 out of 5.0 based on 57 reviews91% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Great card and service, but too tempting for me

Reviewed and recommended by Tara on 19 Dec 2016

I had previously obtained this card because I have been through NAB for a number of years, and it was offered. At first I was questioning whether or not I wanted a credit card, because we all know they can be tricky little things to have. I researched and researched I weighed up pros and cons (not that there were many) and decided I’d give it a go.

It was my first credit card, and I could not have been happier. NAB has been such a blessing to deal with — friendly staff that offer to help as much as possible, they talk to you like a person and not just a customer. They help you find what product is best suited for your needs. I recommend NAB to everyone I know. However, since obtaining this card I have paid the outstanding balance and requested it to be closed, because I was always finding it too tempting to buy the latest technology, or the little decor touches that make a house feel like home. Things that were unimportant and I didn’t need them.

No frills card from good bank with good service

Reviewed and recommended by Julie on 03 Dec 2016

Got to love a bank that doesn’t keep its customers waiting. It’s a great card with no frills, just a low rate. I would recommend the NAB, and this card is definitely worth looking into getting, simply due to the low fees they charge compared to other cards and banks. Service is great too.

Helps me spread out my expenses

Reviewed and recommended by Cameron on 22 Nov 2016

It’s never failed to satisfy me. I always need it and it’s very convenient to use. I have had to use this card to buy Christmas presents online, as well as for upcoming Boxing Day sales and birthdays. They always seem to be clumped at the start of the year for me, so it would usually be a struggle without it.

12+ months and no interest - I am almost debt free

Reviewed and recommended by Megan on 21 Nov 2016

This isn’t a credit card packed full of rewards but it has one HUGE thing going for it — a 12 month (or more) interest-free period! Thanks to the interest-free period I was able to consolidate my debts and pay them all off within the year, without paying a cent of interest. If you can be strict with yourself and need to make a large one-off purchase or consolidate debts, then this card is as good as an interest-free loan.

Remember though, this is not free money. After 12 months the normal interest rate applies, so if you have reached your limit and paid nothing off you will feel it. This is a great card for those putting a plan in place for their budget.

Outstanding customer service

Reviewed and recommended by Andrea on 01 Nov 2016

The customer service team is good and always ready to help. It’s a good, reliable card and I have never had issues. There are no hidden costs and charges and it’s a great online banking system which is user-friendly.

NAB has an always-accessible customer service team ready to assist over the phone and online. I would recommend this card, but more importantly, NAB customer service is outstanding .

PayPass and app make it easy and secure

Reviewed and recommended by Gihani on 31 Oct 2016

This card is easy to work with and makes transferring and receiving money easy, especially through the NAB app. The card is also PayPass enabled, making it easy to pay for things on the go and making shopping easy.

The card and account are very secure and transactions can easily be monitored and viewed.

Competitive low fees, exceptional service

Reviewed and recommended by Emily on 21 Oct 2016

This was my first credit card with my major bank. I have had no troubles with them over the years and fees and charges remain competitive and low. Linking to my main bank account makes keeping on top of everything easy.

They have also offered exceptional Australian-based customer service when issues have come up. I have never been left feeling like I was not a valued customer.

Nine months interest free, interest still low

Reviewed and recommended by Jess on 17 Oct 2016

I would not go with any other bank. These guys always keep me informed about interest rates, etc. I love my NAB credit card.

I got nine months interest free, and the interest is still low.

I have this card for things that pop up that I might not think about, like fixing my spare tyre and booking a trip home really quickly. Credit cards are wicked.

I would tell my friends about this for sure — well, actually I do.

Credit in a hurry can be a lifesaver

Reviewed and recommended by Pauline on 15 Oct 2016

The credit card is great for using online, or when there’s a bargain and pay day is too far away.

It’s also good for when something breaks and needs to be repaired or replaced in a hurry, for example your fridge or freezer, which has actually happened to me. So having this card in my purse can be a life saver at times.

Low cost, good for emergencies

Reviewed and recommended by K on 29 Sep 2016

It’s easy to use, monthly repayments are in the middle range between high and low, and it has a low interest rate. I have this card because it comes in handy in case of emergencies or if anything unexpected happens. I don’t generally carry cash on me unless i know i am buying something.

i would recommend NAB to everyone as I always get great customer service.

Show 47 more reviews
Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 44 days on purchases
Minimum repayment

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 months2%90% of credit limit21.74% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
90% of credit limit
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the NAB Low Fee Card at the promotional balance transfer rate from:

  • NAB

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 months2%90% of credit limit 21.74% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

Cash advances 1.81% 21.74% p.a.
Purchases 1.65% 19.74% p.a.


Annual fee
$30 p.a.
Cash advance fee
whichever is greater, $2.50 or 2%
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Temporary residents are eligible
Age Pension, Disability Pension, Overseas Pension, Veteran's Pension and Widower's Pension are acceptable.
Austudy, Carer's Allowance, Child Support Payments, Family Tax Benefits and Parenting Payments and Foster Care Allowance are acceptable.
Joint applications are not allowed
Youth Allowance is not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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