{
  "source": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/5f5dfdb4-43b1-41e6-923e-546bb801e026",
  "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": "5f5dfdb4-43b1-41e6-923e-546bb801e026",
    "lastUpdated": "2026-06-01T13:59:59Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "NAB Business Card",
    "description": "Manage your employee's business expenses by giving them their own charge card.",
    "brand": "NAB",
    "applicationUri": "https://www.nab.com.au/business/business-cards/nab-business-card",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.nab.com.au/business/business-cards/nab-business-card",
      "termsUri": "https://www.nab.com.au/business/business-credit-cards/terms-conditions",
      "eligibilityUri": "https://www.nab.com.au/business/business-cards/nab-business-card",
      "feesAndPricingUri": "https://www.nab.com.au/business/tools/rates-fees-and-charges#commercial"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CHARGE",
        "imageUri": "https://share.google/images/6TnXKbyjA2NmZ6iRJ"
      }
    ],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "NAB Business Visa Credit Card",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "1000",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Unauthorised Transaction Insurance",
        "additionalInfo": "Complimentary",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P35D",
        "additionalInfo": "Enjoy 35 days interest-free on business purchases (excludes cash advances)",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Visa Business Offers",
        "additionalInfo": "NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "VISA Secure reduces online fraud by confirming your identity with a secret code to your mobile",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Fraud protection\r\nNAB Defence detects fraudulent transactions. If fraud occurs, we’ll give back all your money.",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "featureType": "FRAUD_PROTECTION"
      },
      {
        "featureType": "GUARANTOR"
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfo": "Account limit"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00",
        "additionalInfo": "Card limit"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "18000000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "eligibilityType": "MIN_TURNOVER",
        "additionalValue": "75000.00",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be an Australian citizen or permanent resident",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have 12 months of business financial data.",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Registered for GST",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have a valid ABN/ACN",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      }
    ],
    "fees": [
      {
        "name": "Monthly Card Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "NAB may waive or discount fees at its discretion, as part of a package or promotional offer.",
        "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-business-card"
      },
      {
        "name": "Late Payment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "International Transaction Multi-Currency",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD"
      },
      {
        "name": "International Transaction Single Currency",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD"
      },
      {
        "name": "Cash Advance Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "currency": "AUD",
        "additionalValue": "Minimum of $3.00"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.165",
        "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/business/business-cards/nab-business-card"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.165",
        "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/business/business-cards/nab-business-card"
      }
    ]
  }
}