{
  "source": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5",
    "lastUpdated": "2026-04-28T13:59:59Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "NAB Low Rate Card",
    "description": "A simple low interest rate credit card with your choice of offers: get a promotional balance transfer or select our cash back offer",
    "brand": "NAB",
    "applicationUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card",
      "termsUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card",
      "eligibilityUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card",
      "feesAndPricingUri": "https://www.nab.com.au/personal/credit-cards/fees-charges"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "imageUri": "https://www.nab.com.au/content/experience-fragments/nab/en/featured_banner/product/personal_credit_card/nab-low-rate-product-cards/master"
      }
    ],
    "bundles": [
      {
        "name": "NAB Private Tailored Package",
        "description": "The NAB private tailored package is an exclusive package specifically designed for nab private clients of national australia bank (NAB). we offer through the package a wide range of concessions and benefits on many of nab’s most competitive products.",
        "additionalInfoUri": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-private-tailored-package-terms-and-conditions.pdf",
        "productIds": [
          "fbce13b1-77db-4226-9f55-9028ee31884f",
          "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5",
          "263a9294-f2d8-4f5e-885c-363e1c2010b9",
          "c43ad795-9db1-4e1f-a7f5-845714ecedfd",
          "8a47c774-0065-4850-992c-42d73253f3eb",
          "e10279eb-1172-48dd-b6d2-08bed9605c5d"
        ]
      },
      {
        "name": "NAB Portfolio Package",
        "description": "The NAB Portfolio Package is designed to provide a wide range of discounts and extra benefits .",
        "productIds": [
          "fbce13b1-77db-4226-9f55-9028ee31884f",
          "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5",
          "263a9294-f2d8-4f5e-885c-363e1c2010b9",
          "c43ad795-9db1-4e1f-a7f5-845714ecedfd",
          "8a47c774-0065-4850-992c-42d73253f3eb",
          "e10279eb-1172-48dd-b6d2-08bed9605c5d"
        ]
      },
      {
        "name": "NAB Private Portfolio Package",
        "description": "The NAB private portfolio package is an exclusive package specifically designed for nab private clients of national australia bank (NAB). we offer through the package a wide range of concessions and benefits on many of nab’s most competitive products.",
        "additionalInfoUri": "https://www.nab.com.au/personal/private-banking/tailored-banking-solutions/private-portfolio-package",
        "productIds": [
          "fbce13b1-77db-4226-9f55-9028ee31884f",
          "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5",
          "263a9294-f2d8-4f5e-885c-363e1c2010b9",
          "c43ad795-9db1-4e1f-a7f5-845714ecedfd",
          "8a47c774-0065-4850-992c-42d73253f3eb",
          "e10279eb-1172-48dd-b6d2-08bed9605c5d"
        ]
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "NAB Visa Credit Card"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "1",
        "additionalInfo": "Up to one additional cardholder",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "BALANCE_TRANSFERS",
        "additionalValue": "Enjoy 0% p.a. on balance transfers for 24 months on a new NAB Low Rate Card",
        "additionalInfo": "3% BT fee\r\n\r\nNAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalValue": "400",
        "additionalInfo": "$400 Cash Back when $5000 is spent on everyday purchases within 150 days of account opening. \r\n\r\nNAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "INTEREST_FREE_TRANSFERS",
        "additionalValue": "P6M",
        "additionalInfo": "NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 interest free days on purchases",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Visa Entertainment",
        "additionalInfo": "NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Fraud protection\r\nNAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be an Australian resident"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria apply"
      }
    ],
    "fees": [
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "99.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "NAB may waive or discount fees at its discretion, as part of a package or promotional offer.",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/fees-charges",
        "discounts": [
          {
            "description": "Reduced Annual Fee in First Year",
            "discountType": "FEE_CAP",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "59.00"
            },
            "rateBased": {
              "rateType": "INTEREST_ACCRUED",
              "rate": "1.0"
            },
            "additionalValue": "P12M",
            "additionalInfo": "$0 Annual Fee for first year",
            "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
          },
          {
            "description": "NAB Portfolio Facility - no annual fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "59.00"
            },
            "rateBased": {
              "rateType": "INTEREST_ACCRUED",
              "rate": "1.0"
            },
            "additionalInfo": "No annual credit card fees on up to 2 eligible NAB credit card accounts that you include in your package.",
            "additionalInfoUri": "https://www.nab.com.au/personal/home-loans/nab-portfolio-facility",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Part of NAB Portfolio Facility",
                "additionalInfoUri": "https://www.nab.com.au/personal/home-loans/nab-portfolio-facility"
              }
            ]
          },
          {
            "description": "NAB Private Portfolio Package - no annual fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "59.00"
            },
            "rateBased": {
              "rateType": "INTEREST_ACCRUED",
              "rate": "1.0"
            },
            "additionalInfo": "No annual credit card fees on up to 2 eligible NAB credit card accounts that you include in your package.",
            "additionalInfoUri": "https://www.nab.com.au/personal/private-banking/tailored-banking-solutions/private-portfolio-package",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Part of NAB Private Portfolio Package",
                "additionalInfoUri": "https://www.nab.com.au/personal/private-banking/tailored-banking-solutions/private-portfolio-package"
              }
            ]
          },
          {
            "description": "NAB Private Tailored Package - no annual fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "59.00"
            },
            "rateBased": {
              "rateType": "INTEREST_ACCRUED",
              "rate": "1.0"
            },
            "additionalInfo": "No annual credit card fees on up to 2 eligible NAB credit card accounts that you include in your package.",
            "additionalInfoUri": "https://www.nab.com.au/personal/private-banking/tailored-banking-solutions/nab-private-tailored-package",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Part of NAB Private Tailored Package",
                "additionalInfoUri": "https://www.nab.com.au/personal/private-banking/tailored-banking-solutions/nab-private-tailored-package"
              }
            ]
          }
        ]
      },
      {
        "name": "International transaction single currency",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/fees-charges"
      },
      {
        "name": "International transaction multi currency",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/fees-charges"
      },
      {
        "name": "Cash advance",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": "Minimum fee $3.50",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/fees-charges"
      },
      {
        "name": "Late payment",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/fees-charges"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "INTRODUCTORY",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "interestPaymentDue": "IN_ADVANCE",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Not applicable"
          }
        ],
        "additionalValue": "P24M",
        "additionalInfo": "0% p.a. balance transfer (BT) for 24 months with 3% BT fee.\r\nNAB may offer different introductory rates at its discretion, including for promotional purposes.",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.2174",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Not applicable"
          }
        ],
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1349",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Not applicable"
          }
        ],
        "additionalInfo": "NAB may discount the purchase rate at its discretion, including for promotional purposes.",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.1349",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalInfo": "Not applicable"
          }
        ],
        "additionalInfo": "NAB may discount the purchase rate at its discretion, including for promotional purposes.",
        "additionalInfoUri": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card"
      }
    ]
  }
}