NAB Low Rate Card
A simple low interest rate credit card with your choice of offers: get a promotional balance transfer or select our cash back offer
- Purchase rate
- 13.49%
- Annual fee
- $99.00
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.
| 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.
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
Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right · Last updated 28 April 2026 · Product ID 0c2ca397-dc24-4eb0-8fb9-e098c582ebd5 · View on CDR.gov.au · View Source Data (JSON)