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

History

    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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