Compare NAB credit cards. Apply for a new card with some of the most competitive interest rates and rewards.
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!
*NAB may vary or end this offer at any time.
No. You can apply for a card from them and, if approved, keep it separate from your existing bank. There is no need to switch banks.
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 to 24 months.
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.
New customers can transfer balances from either one or two cards from other providers. For transfers from non-NAB cards each amount needs to be at least $200. 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 transfer offered to new customers.
No, there is no fee for the transfer. The balance will be charged the introductory interest rate for a period of time, usually between six and 12 months, after which the rate will return to a higher level.
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 to enable transactions and improve security.
You can authorise your NAB card by using your NIN for telephone or internet transactions, your input PIN at retail checkouts and ATMs, or with the new payWave technology at participating outlets.
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 in order to move money, pay bills and generally manage your account and card.
NAB periodically offers the chance to increase credit limit to customers who demonstrate a good credit history. Customers may also request an 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.
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.
If you already have one, you can link it to a new card. NAB occasionally offers free Qantas membership with certain card offers.
To apply, you need your email address for NAB to contact you regarding your application; your income and how much you spend; your employer’s contact details; if you are self-employed, your accountant’s contact information; details of your debts and property; and an identification document such as your driver’s licence or passport.
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.
Yes. Customers with the NAB Low Rate Visa Card have access to payWave – contactless smart card technology that allows payments to be made without swiping on transactions below $100, by presenting their card in front of the machine. Cardholders must provide a PIN or signature for purchases over $100, or at stores that do not support contactless smart cards.
NAB was formed as part of National Australian Bank Group, which was established in 1858 to provide financial services across Australia, New Zealand and the UK. The company’s branches in Australia came under the name National Australia Bank. Over the past century and a half, NAB has become one of Australia’s 'big four banks’.
NAB operates more than 1,800 branches with over 40,000 people in the organisation and 460,000 shareholders. In addition to access to NAB branches across Australia, customers can manage their accounts with internet banking, 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.