NAB Credit Cards | Customer Reviews & Comparison

NAB Credit Cards

Compare NAB credit cards. Apply for a new card with some of the most competitive interest rates and rewards.

Earn up to 120,000 Qantas Points. Get 90,000 points when you spend $3,000 in the first 60 days from account approval date and an additional 30,000 points on payment of second year annual fee.
Seven complimentary insurances when you make an eligible purchase.
Reduced Annual Card Fee of $295 in first year (reverts to $395 after first year).

The NAB first opened in 1858 and their main focus of business is in Australia, New Zealand and the UK with numerous branches in all three countries. Their range of credit cards are impressive. Compare and review these credit cards before you apply!

balance transfer
purchase rate
annual fee
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NAB Qantas Rewards Signature Card
Earn up to 120,000 Qantas Points. Get 90,000 points when you spend $3,000 in the first 60 days from account approval date and an additional 30,000 points on payment of second year annual fee.
Seven complimentary insurances when you make an eligible purchase.
Reduced Annual Card Fee of $295 in first year (reverts to $395 after first year).
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
19.99% p.a.
ongoing
$295
1st year
then $395
NAB Low Rate Platinum Card
0% p.a. for 15 months on purchases.
Platinum Concierge Service plus seven complimentary travel insurances.
Up to 55 days on purchases.
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
15 months
0% p.a.
then 13.99%
$100
ongoing
0% p.a. for 6 months on purchases.
Make purchases with NAB’s lowest interest rate card and longest interest-free period.
Low $59 p.a. annual fee.
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
6 months
0% p.a.
then 13.99%
$59
ongoing
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.
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
19.74% p.a.
ongoing
$30
ongoing
NAB Rewards Signature Card
Earn up to 120,000 points. Get 90,000 points when you spend $3,000 in the first 60 days from account approval date and an additional 30,000 points on payment of second year annual fee.
Earn triple points when travelling overseas or overseas purchases made here in Australia.
Earn double points on purchases made in major department and hardware stores.
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
19.99% p.a.
ongoing
$295
ongoing
Earn Qantas Points on eligible everyday purchases.
0% p.a. for 6 months on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
Free membership into the Qantas Frequent Flyer Program saving you $99.50.
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
19.99% p.a.
ongoing
$95
ongoing
NAB Rewards Platinum Card
60,000 points when you spend $1,000 in 60 days of account opening.
Earn triple points when travelling overseas or overseas purchases made here in Australia.
Earn double points on purchases made in major department and hardware stores.
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
19.99% p.a.
ongoing
$195
ongoing
NAB Rewards Classic Card
Earn 30,000 points when you spend $500 in 60 days of account opening.
Earn triple points when travelling overseas or overseas purchases made here in Australia.
Earn double points on purchases made in major department and hardware stores.
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
19.99% p.a.
ongoing
$95
ongoing
24 hour, 7 day Platinum Concierge Service.
7 types of complimentary insurances including overseas travel insurance.
0% p.a. for 6 months on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
More info
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6 months
0% p.a.
then 21.74%
with a 2% fee
19.74% p.a.
ongoing
$90
ongoing
NAB Low Rate Business Card
0% p.a. for 12 months on purchases.
No annual fee for the first year.
Low 13.25% p.a. rate on purchases and cash advances.
More info
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-
12 months
0% p.a.
then 13.25%
$0
1st year
then $60
NAB Qantas Business Signature Card
100,000 Bonus Qantas Points when you spend $4,000 on everyday purchases in 60 days.
Experience fast online application.
Earn 1 Qantas Point per $1.50 spent on everyday business purchases.
More info
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-
18.50% p.a.
ongoing
$295
ongoing
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Earn up to 120,000 Qantas Points*

Conditions apply.
NAB Qantas Rewards Signature Card
Earn up to 120,000 Qantas Points. Get 90,000 points when you spend $3,000 in the first 60 days from account approval date and an additional 30,000 points on payment of second year annual fee.
0% p.a. for 6 months on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
Up to 44 days on purchases.
Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period.
Reduced Annual Card Fee of $295 in first year (reverts to $395 after first year).

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

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Q&As about NAB Credit Cards from customers

Q: If I want a NAB credit card, will I have to start banking with NAB?

No. You can apply for a card from NAB and, if approved, keep it separate from your existing bank. There is no need to switch banks.

Q: What types of cards do they offer?

NAB has a large number of offers, with each tailored towards a different need.

Balance transfers: Many of NAB’s credit cards feature a low or 0% balance transfer interest rate, for periods which can range from the first six months to much longer periods when special offers are available.

Rewards points: NAB’s range of credit cards includes packages that offer great rewards giving you the chance to earn points on everyday transactions and redeem them for a wide selection of products and services. Options include NAB’s in-house program, NAB Rewards, as well as cards which earn Qantas Frequent Flyer points.

NAB Rewards points can be exchanged for merchandise from an online catalogue, travel, retail gift cards, and frequent flyer points with four partner airline programs: Virgin Australia Velocity Frequent Flyer, Air New Zealand Airpoints, Singapore Airlines KrisFlyer and Asia Miles.

NAB also offers cards with low interest rates on purchases, a low annual fee card, and a range of cards for businesses.

Q: How can I earn more rewards points?

With a NAB rewards credit card, you earn points on everyday purchases, but there is often an opportunity to earn bonus points when you use your card for transactions with each reward scheme’s partner companies.

Some cards also have a large number of bonus points as an introductory offer.

Q: How easy is it to transfer a balance to NAB?

New customers can transfer balances from either one or two cards from other providers. Existing NAB cardholders don’t need to apply for a new credit card to transfer a balance, although the balance transfer interest rate may be higher than the promotional introductory rate for balance transfers offered to new customers.

There may be an upfront balance transfer fee to pay. Check the details for the card before you apply for a balance transfer.

Q: What is my NAB identification number and why is it important?

Your NAB identification number (NIN) is the eight-digit number printed on the reverse of your credit card. Every NAB customer has a unique identification number, used in online and telephone banking and when contacting the NAB service centre, to enable transactions and improve security.

Q: How do I authorise transactions on my NAB card?

You can authorise transactions on your NAB card by using your NIN for telephone or internet transactions, your input PIN at retail checkouts and ATMs, or with contactless technology for transactions under $100 at participating outlets.

Q: How easy is it to transfer money from my NAB bank account to my NAB card?

Once you have your card and NIN, you can set up internet and telephone banking, which will allow access to your account with your NIN and password in order to move money, pay bills and generally manage your account and card.

Q: How can I get a credit limit increase?

Credit card customers may request a credit limit increase. When a request is made, NAB will consider the customer’s credit history and financial circumstances before making a decision, and will also ensure that the customer is aware of the implications of an increase. NAB also allows customers to reduce their credit limit to help manage debts.

Q: Will I need my own Qantas Frequent Flyer account in order to earn points on a card linked to the Qantas Frequent Flyer program?

Yes. If you already have a Qantas Frequent Flyer membership, you can link it to a new NAB card. If you’re not a QFF member, you will need to become one so that you can receive Qantas points. NAB occasionally offers free Qantas membership with certain card offers.

Q: What will I need to fill in the application form?

To apply, you need:

  • Your email address for NAB to contact you regarding your application
  • Your income and expense details
  • Your employer’s contact details
  • If you are self-employed, your accountant’s contact information
  • Details of your debts and property
  • An identification document such as your driver’s licence or passport
Q: How long does it take before I find out about my application and get my card?

You will be given a response online within 60 seconds. If approved, you will usually receive your new NAB credit card by post within 5-10 business days.

Q: Do NAB have any contactless cards?

Yes. All NAB cards have contactless technology that allows payments to be made, without swiping or inserting the card, for transactions below $100. Simply tap or present the card in front of the contactless POS terminal. Cardholders must provide a PIN or signature for purchases over $100, or at stores that do not support contactless smart cards.

Q: How long have been NAB been in business?

NAB’s history goes as far back as 1858, when the National Bank of Australasia was established in Melbourne. In 1982 it merged with the Commercial Banking Company of Sydney, and later changed its name to National Australia Bank Limited. Over the past century and a half, NAB has become one of Australia’s ‘Big Four’ banks.

NAB operates in more than 900 locations, with over 30,000 staff servicing nine million customers. In addition to access to NAB branches across Australia, customers can manage their accounts via internet banking and a mobile app, accessing accounts remotely and managing common types of transactions online.

NAB offers financial services catering to both personal and business clients. The bank provides transaction, savings, investment accounts and specialised accounts. Other NAB services include credit cards, loans, investments, insurance, financial advice, and more.

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