NAB credit cards
Compare 12 NAB credit cards on rates, fees and rewards, side by side.
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| Card | Name and rating | Annual fee | Purchase rate | Rewards program | Sign-up bonus | Interest-free days | |
|---|---|---|---|---|---|---|---|
 | NAB Low Rate Credit Card 69 reviews | $0 | 13.99% p.a. | — | — | Up to 55 | 60 second approval |
 | $175 | 19.50% p.a. | NAB Rewards | 200,000 pts | Up to 44 | 60 second approval | |
 | $59 | 13.49% p.a. | — | — | Up to 55 | 60 second approval | |
 | $0 | 13.99% p.a. | — | — | Up to 55 | 60 second approval | |
 | $195 | 22.49% p.a. | NAB Rewards | 100,000 pts | Up to 44 | 60 second approval | |
 | $395 | 22.49% p.a. | NAB Rewards | 110,000 pts | Up to 44 | 60 second approval | |
 | NAB Low Fee Card 48 reviews | $49 | 22.49% p.a. | — | — | Up to 44 | 60 second approval |
 | NAB Qantas Rewards Premium Card 18 reviews | $295 | 22.49% p.a. | Qantas Frequent Flyer | 100,000 pts | Up to 44 | 60 second approval |
 | $449 | 22.49% p.a. | Qantas Frequent Flyer | 130,000 pts | Up to 44 | 60 second approval | |
 | $295 | 19.50% p.a. | Qantas Business Rewards | 150,000 pts | Up to 44 | 60 second approval | |
 | $108 | 16.50% p.a. | — | — | Up to 35 | 60 second approval | |
 | Undisclosed | No interestPay in full each month | — | — | Up to 0 |
What people say online
Leans negative
Our ongoing analysis of online discussion about this issuer.
NAB's credit cards offer rewards and points that can offset annual fees, but the product is hampered by frustrating application processes with opaque rejection criteria, recently removed travel insurance benefits, and persistent annual fees that limit appeal despite potential rewards value.
What's happening with NAB credit cards in October
By 
David BoydUpdated 8 October 2026
- Market news
NAB cuts credit card rewards points up to 50% ahead of RBA surcharge ban.
NAB has reduced rewards earn rates on its credit cards in advance of regulatory changes banning credit card surcharges. Other banks are expected to follow similar moves.
If you earn rewards on a NAB credit card, you'll accumulate points more slowly than before, which means the value you get from spending on that card has decreased.
NAB by the numbers
How do NAB cards compare?
View all →- American Express Explorer Credit CardvsNAB Qantas Rewards Signature Card
- American Express Explorer Credit CardvsNAB Rewards Signature Card
- American Express Low Rate Credit CardvsNAB Low Rate Credit Card
- American Express Platinum Business CardvsNAB Business Card
- American Express Platinum CardvsNAB Rewards Platinum Card
- ANZ Business BlackvsNAB Business Card
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Sources
- Credit Card Compare
- Australian credit card statistics
- Issuer
- NAB