HomeCredit CardsNAB › Low Rate Card

Rates and fees information correct as of March 1st 2017.

Benefits & Features of the NAB Low Rate Card

Spend your money on everyday purchases with our lowest rate card.

Save on interest - Enjoy our lowest everyday purchase rate.

Have more time to pay - Get up to 55 days interest free if you pay your closing balance by the due date each month.

Enjoy special offers with Visa - Special offers on shows, events, experiences and movies from Visa Entertainment.

Add a loved one as an additional cardholder at no extra cost. Just remember you're still responsible for the card.

The NAB Low Rate Card also comes with these great benefits;

Fraud protection: NAB Defence detects fraudulent transactions. If fraud occurs, we'll give back all your money.

Online security: Verified by Visa reduces online fraud by confirming your identity with a password.

Another card? Add an additional cardholder at no extra cost.

Emergency assistance: We're here for you 24/7 if your credit card is lost or stolen.

Contactless payments: Make payments under $100 by tapping your credit card.

Rates and Fees:
Purchase Interest Rate
13.99% p.a.
Cash Advance Rate
21.74% p.a.
Annual Fee
$59
Balance Transfer Fee
There is a balance transfer fee of 3%.
Minimum Repayments
2% or $25 which ever is greater
Late Payment Fee
$9
Special Offers:

Balance Transfer Offers
0% for 18 months with a revert rate of 21.74% p.a.
Introductory Purchase Rate Offers
No offers
Other Special Offers
Currently no special offers.

Rewards:
Rewards Available
Perks:
Max Interest Free Days
55
Travel Insurance
VIP Treatment
Overseas Spending:
Currency Conversion Fee
3%
OS ATM Charges
$2.5 or 2% the higher of
Est ATM Cost
$15.00 for AU$300 withdrawal
Credit Limits:
Minimum Credit Limit
$500
Maximum Credit Limit
No Limit
Security:
Security & Protection
Protection against fraud with NAB Defence. Shop with confidence online with Verified by Visa.
Quick Comparison:

The NAB Low Rate Card has the 66th lowest interest rate of 13.99% and the 29th highest cash advance rate at 21.74% (26 others have the same) compared to 171 other credit cards. 81 cards have a lower annual fee than $59 (9 have the same) and 53 have a lower or the same late payment fee of $9.

From NAB site:

Spend your money on things that matter more and less on your credit card's interest. Enjoy our lowest rate on everyday purchases.
Download Key Facts Sheet* ⇣Go to Site ⇢

* Key fact sheet is downloaded from NAB website. (PDF, 137KB)

Apply Online ⇢ Compare Credit Card
About NAB:

National Australia Bank (abbreviated NAB, branded nab) is one of the four largest financial institutions in Australia in terms of market capitalisation and customers. NAB was ranked 21st largest bank in the world measured by market capitalisation and 41st largest bank in the world as measured by total assets in 2014. NAB operates 1,590 branches and service centres and 4,412ATMs across Australia, New Zealand and Asia serving 12.7 million customers.

NAB has a "AA-" long term issuer rating by Standard & Poor's.

More about National Australia Bank from Wikipedia

People compare the NAB Low Rate Card with...
Low Rate credit card
Commonwealth Bank Low Rate credit card

Purchase Rate:
13.24% p.a.
Cash Advance Rate:
21.24% p.a.
Annual Fee:
$59
Special offers: You could win a $5,000 Flight Centre gift card. Simply apply for a new CommBank credit card by 30 April 2017 and activate your card for a chance to win.*

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Visa Credit Card
Northern Inland CU Visa Credit Card

Purchase Rate:
14.00% p.a.
Cash Advance Rate:
14.00% p.a.
Annual Fee:
$40
Balance transfer offer:
0% N/A
Intro purchase rate offer:
8.99% for 6 months then 14.00%

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Visa Silver
BankVic Visa Silver

Purchase Rate:
11.95% p.a.
Cash Advance Rate:
11.95% p.a.
Annual Fee:
$0
Balance transfer offer:
6.99% for 6 months then 11.95%
Intro purchase rate offer:
6.99% for 6 months then 11.95%

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Light Visa Credit Card
Holiday Coast CU Light Visa Credit Card

Purchase Rate:
11.99% p.a.
Cash Advance Rate:
18.99% p.a.
Annual Fee:
$25
Balance transfer offer:
0% for 6 months then 18.99%

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Vertigo Platinum Card
BankSA Vertigo Platinum Card

Purchase Rate:
12.74% p.a.
Cash Advance Rate:
21.49% p.a.
Annual Fee:
$99
Balance transfer offer:
0% for 12 months then 12.74%
Intro purchase rate offer:
0% for 6 months then 12.74%
Special offers: $0 annual fee for the first year for existing BankSA customers.

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Vertigo Platinum Card
St.George Bank Vertigo Platinum Card

Purchase Rate:
12.74% p.a.
Cash Advance Rate:
21.49% p.a.
Annual Fee:
$99
Balance transfer offer:
0% for 12 months then 12.74%
Intro purchase rate offer:
0% for 6 months then 12.74%
Special offers: $0 annual fee for the first year for existing St.George customers.

Compare card

> Apply Online
Compare NAB Low Rate Card
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