On website
NAB Low Fee Credit Card
Balance transfer
12 months at 0% p.a.
Purchase rate
19.74% p.a. ongoing
Annual fee
$30.00 p.a. ongoing
Highlights
- Receive $200 cashback when you spend $1,500 on purchases within 90 days from account opening.
- Low $30 p.a. ongoing annual fee.
- 12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverting to the variable cash advance rate of 21.74% p.a.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Eligibility
Additional cardholders
Credit limits
Repayments
Balance transfers
Balance transfer offer
Balance transfer conditions
Rates, fees, charges
Cash advances
Purchases
Account fees
Rewards
Rewards program basics
Rewards points per $1 spent
Additional perks
Insurance
Travel and lifestyle
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. Get an additional cardholder at no extra cost.
- Digital wallets. This card is compatible with Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and Fitbit Pay.
- Gambling transactions. Gambling transactions are not allowed with the NAB Low Fee Card.
Rewards and benefits
- Complimentary travel insurance. This card does not come with any complimentary travel insurance, either domestic or international.
- Concierge services. There is no concierge service available for cardholders.
- Insurances. This card comes with fraud protection but does not offer any additional insurance features.
- Rewards points. As expected with a no-frills card, there is no rewards program.
- Sign up bonus. NAB offers a signup bonus of $240 ($80 cashback per month) when you spend $500 or more in the first 3 months.
Rates and fees
- Annual fee. This card has an ongoing annual fee of $30 p.a.
- Balance transfers. You can transfer your existing credit card balances for a 3% fee and enjoy 0% p.a. interest on for 12 months. After that, any remaining balance will revert to an interest rate of 21.74% p.a.
- Cash advances. Interest will be charged at 21.74% p.a. on all cash advances. Interest will begin accruing immediately from the day of the transaction. NAB charge a one-off fee of 2.5% for any cash advances made with this card.
- Foreign exchange fee. Transactions made in a foreign currency while overseas or with an online store based overseas will incur a one-off 3% fee.
- Interest-free period. Up to 44 days interest-free on purchases (except cash advances) when you have paid your previous balance in full or made the minimum required payment.
- Purchases. There is no introductory offer on purchases. The standard ongoing rate of 19.74% p.a. will apply to any purchases that are not paid off in full.
Reviewed by Credit Card Compare Staff
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Love my NAB credit card
Reviewed by Crumbden
Generally pleased with this card
Reviewed by Heather
Pleased with the low fees
Reviewed by Anonymous
Very happy with this card
Reviewed by Anonymous
Very convenient for online shopping
Reviewed by Anonymous
My experience with the NAB Mastercard
Reviewed by Gary
Bank changed cards without asking me
Reviewed by Marty
Quite satisfied with this card
Reviewed by Beth
Excellent competitive product
Reviewed by Shirley
Quite please with this credit card
Reviewed by Anonymous
Great for emergencies
Reviewed by Jennifer M
Definitely worth it
Reviewed by love it
Only have this as I bank with NAB
Reviewed by CCdebt
Very happy!
Reviewed by Franca
Very confident shopping with with this card
Reviewed by Bunty
NAB Visa Mini
Reviewed by Dean
Simple card that offers only the basics
Reviewed by Apple
Nothing great about this card
Reviewed by Anon
Convenient
Reviewed by Renee Au
It's easy to handle
Reviewed by Anon
Convenient bank
Reviewed by Shanelle
Always good
Reviewed by Anon
Good card
Reviewed by Barbara
Usually pretty happy
Reviewed by Melissa
Balanced card to have
Reviewed by James
I am generally very pleased with this card
Reviewed by Christina
Convennience
Reviewed by Barbara
It's been helpful to have this card
Reviewed by Rebecca
Bonus card offred with our home loan
Reviewed by Maree
No perks, boring card
Reviewed by Lisa
Looking for an interest-free card
Reviewed by Sandy
Been very handy at times
Reviewed by Corinne
Has been a good card
Reviewed by Trish
Easy to use
Reviewed by Carl
My first ever credit card and not the best choice
Reviewed by s
Low fee and low interest
Reviewed by Catherine
Don't need rewards or high fees
Reviewed by Barbara
Low fee but high charges for international use
Reviewed by Sandra
Good for people on a budget
Reviewed by Katie
'Low fee' not as low as I expected
Reviewed by Lua
NAB is well-known for low fees and charges.
Reviewed by Steven
Provides cash when needed
Reviewed by Lisa
Low cost, good for emergencies
Reviewed by K
Credit in a hurry can be a lifesaver
Reviewed by Pauline
Nine months interest free, interest still low
Reviewed by Jess
Competitive low fees, exceptional service
Reviewed by Emily
No frills card from good bank with good service
Reviewed by Julie
Great card and service, but too tempting for me
Reviewed by Tara
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