--- title: "NAB Low Rate Card — NATIONAL AUSTRALIA BANK" description: "Credit & Charge Cards from NATIONAL AUSTRALIA BANK. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/national-australia-bank/products/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5 source: "CDR Compare" language: en-AU last_updated: 2026-04-28T13:59:59Z --- # NAB Low Rate Card — NATIONAL AUSTRALIA BANK > Credit & Charge Cards from NATIONAL AUSTRALIA BANK. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** A simple low interest rate credit card with your choice of offers: get a promotional balance transfer or select our cash back offer ## At a glance - **Purchase rate:** 13.49% - **Annual fee:** $99.00 ## Apply Applications are handled by the provider: [Apply at NATIONAL AUSTRALIA BANK](https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Introductory · 2 years (0% p.a. balance transfer (BT) for 24 months with 3% BT fee. NAB may offer different introductory rates at its discretion, including for promotional purposes. · Not applicable) | 0% | — | — | | Purchase (NAB may discount the purchase rate at its discretion, including for promotional purposes. · Not applicable) | 13.49% | — | — | | Balance transfer (NAB may discount the purchase rate at its discretion, including for promotional purposes. · Not applicable) | 13.49% | — | — | | Cash advance (Not applicable) | 21.74% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Annual fee — Charged yearly · NAB may waive or discount fees at its discretion, as part of a package or promotional offer. · Discount −$59.00 — Reduced Annual Fee in First Year · Discount −$59.00 — NAB Portfolio Facility - no annual fee (eligibility: Other: Part of NAB Portfolio Facility) · Discount −$59.00 — NAB Private Portfolio Package - no annual fee (eligibility: Other: Part of NAB Private Portfolio Package) · Discount −$59.00 — NAB Private Tailored Package - no annual fee (eligibility: Other: Part of NAB Private Tailored Package) | Ongoing | $99.00 | | International transaction single currency | Transaction | 3.5% of transaction | | International transaction multi currency | Transaction | 3.5% of transaction | | Cash advance — Minimum fee $3.50 | Transaction | 3.5% of transaction | | Late payment | Event | $20.00 | ## Features - **Card access** — NAB Visa Credit Card - **Additional cards** — up to 1 (Up to one additional cardholder) - **Unlimited transactions** - **Balance transfers** — Enjoy 0% p.a. on balance transfers for 24 months on a new NAB Low Rate Card (3% BT fee NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Cashback offer** — 400 ($400 Cash Back when $5000 is spent on everyday purchases within 150 days of account opening. NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Interest-free transfers** — 6 months (NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Interest-free period** — 55 days (Up to 55 interest free days on purchases) - **Digital wallet** — Apple Pay - **Digital wallet** — Google Pay - **Digital wallet** — Samsung Pay - **Digital wallet** — Garmin Pay - **Digital banking** - **Bill payment (BPAY)** — BPAY - **Discounts on other products** — Visa Entertainment (NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Fraud protection** (Fraud protection NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.) ## Eligibility - **Residency status** — Must be an Australian resident - **Minimum age** — 18 years - **Individuals only** - **Lending criteria apply** ## Constraints - **Minimum limit** — $1,000.00 ## Bundles - **NAB Private Tailored Package** — 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. - **NAB Portfolio Package** — The NAB Portfolio Package is designed to provide a wide range of discounts and extra benefits . - **NAB Private Portfolio Package** — 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. ## More information from NATIONAL AUSTRALIA BANK - [Overview](https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card) - [Terms & conditions](https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card) - [Eligibility](https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card) - [Fees & pricing](https://www.nab.com.au/personal/credit-cards/fees-charges) ## Data provenance - Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right - Product ID: `0c2ca397-dc24-4eb0-8fb9-e098c582ebd5` - Last updated by the provider: 28 April 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/national-australia-bank/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5 - Provider page: https://www.cdrcompare.au/brands/national-australia-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000004 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/national-australia-bank/products/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5) — product data published by Australian data holders under the Consumer Data Right. 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