NAB Low Fee Platinum Credit Card

On website

NAB Low Fee Platinum Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

19.74% p.a. ongoing

Annual fee

$90.00 p.a. ongoing

Highlights

  • Access the Platinum Concierge Service available 24/7.
  • Enjoy 12 months at 0% p.a. on balance transfers (a 3% balance transfer fee applies). Reverting to the variable cash advance rate of 21.74% p.a.
  • Access six complimentary insurances when making an eligible purchase.

Pros and cons

Pros

  • 12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverts to variable cash advance rate of 21.74% p.a.
  • Low ongoing $90 annual fee.
  • Complimentary insurance including international travel insurance.
  • Access to the 24 /7 NAB Concierge Service.

Cons

  • There's a 3% fee on balance transfers.
  • You can't earn rewards points with this card.
  • Up to 44 days interest-free, which is shorter than the 55 days on many other cards.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes

Additional cardholders

Additional Cardholders
1
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$6,000.00
Maximum Credit Limit
$30,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 44 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
3%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
90%
Balance Transfer Revert Rate
21.74%

Rates, fees, charges

Cash advances

Cash Advance Rate
21.74% p.a.
Cash Advance Fee
$3.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
19.74% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$90.00
Dishonour Fee
$30.00
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
Yes
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust


account

Reviewed by Credit Card Compare Staff

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

I'm happy with my card

Reviewed by Naughty & Necessary


No fees or interest credit card

Reviewed by Christine


Great as part of a package

Reviewed by Ady


Trust the NAB

Reviewed by Leonie


Generally happy with this card

Reviewed by SSW


Great rewards

Reviewed by Sally


It's a good card

Reviewed by Koula


NAB is the best bank I've ever dealt with

Reviewed by Joy Harris


I love my card, it never lets me down

Reviewed by Christine


12 months interest-free was a life saver!

Reviewed by Jessie


nab card

Reviewed by Nigel


Handy credit card to have

Reviewed by Raschle


Fantastic credit card

Reviewed by Tiffany


Generally pleased with this card

Reviewed by Grant


Switched from Low Annual Fee Card

Reviewed by Norina


Saved a ton

Reviewed by Paula


Like the payWave feature

Reviewed by jamie


Rip-off annual fee

Reviewed by Malik


Good online budgeting tool

Reviewed by Catherine


OK for travel insurance, but a few problems

Reviewed by Anney


AmEx card earns 1.5 points per dollar

Reviewed by Janice


Best card currently available

Reviewed by Heather


Disappointing and misleading

Reviewed by Annoyed


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