---
title: "NAB Low Rate Business 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/aea04112-8a33-4d90-991a-b30ad00699a8
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-01T13:59:59Z
---

# NAB Low Rate Business 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**

If you’re a small business, our low rate business credit card can help you manage your cash flow.

## At a glance

- **Purchase rate:** 13.99%
- **Annual fee:** $60.00

## Apply

Applications are handled by the provider: [Apply at NATIONAL AUSTRALIA BANK](https://www.nab.com.au/business/business-cards/nab-low-rate-business-card)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Introductory · 1 year (Introductory interest rate Offer commenced on 4 February 2019. The special introductory interest rate of 0% p.a. on purchases applies for 12 months from the date your account is opened by NAB. At the end of the 12 months, any purchase amounts owing will attract the interest rate for purchases that is then applicable to your account, which is equal to the NAB Low Rate Business Card rate advertised on nab.com.au and is subject to change. Minimum monthly repayments must be made by the due date each month. · Not applicable) | 0% | — | — |
| Purchase (Not applicable) | 13.99% | — | — |
| Cash advance (Not applicable) | 13.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Card Fee — Charged yearly · NAB may waive or discount fees at its discretion, as part of a package or promotional offer. · Discount −$60.00 — Waive Card Fee (eligibility: Introductory period: Annual card fee waiver Each Card issued under the Facility has an annual card fee of $60, payable in advance. However, the annual card fee will be waived for the first 12 months from the date the Facility was opened. The first annual card fee will be payable and debited to the Account: • for any Card issued and Used before the first anniversary of the date the Facility was opened – in the first Statement Period following that first anniversary; and • for any Card which is first Used after the first anniversary of the date the Facility was opened – in the first Statement Period following the first Use of the Card. The fee will be a pro-rata amount based on the number of statement periods (whole or part) remaining from the date of first Use until the next anniversary of the Facility being opened. We will confirm the date the Facility was opened with you in writing. The subsequent annual card fees for each Card issued and used under the Facility will be debited annually on the statement date immediately after each anniversary of the date the facility was opened.) | Ongoing | $60.00 |
| Late Payment Fee | Event | $15.00 |
| International Transaction Fee Single Currency | Transaction | 3% of transaction |
| International Transaction Fee Multi-Currency | Transaction | 3% of transaction |
| Cash Advance Fee — Minimum fee is $3.00 | Transaction | 3% of transaction |

## Features

- **Card access** — NAB Business Visa Credit Card
- **Additional cards** — up to 1000
- **Unlimited transactions**
- **Interest-free period** — 55 days (Up to 55 interest free days on business 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 Business Offers (Enjoy 0% p.a. on purchases for 12 months on a new NAB Low Rate Business Card.
No annual card fee for the first year.NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.)
- **Insurance included** — Unauthorised Transaction Insurance (Complimentary)
- **VISA Secure reduces online fraud by confirming your identity with a secret code to your mobile**
- **Fraud protection
NAB Defence detects fraudulent transactions. If fraud occurs, we’ll give back all your money.**

## Eligibility

- **Business customers**
- **Minimum age** — 18 years
- **Minimum turnover** — $75,000.00 p.a.
- **Residency status** — Must be an Australian citizen or permanent resident
- **Have 12 months of business financial data.**
- **Registered for GST**
- **Have a valid
ABN/ACN**

## Constraints

- **Minimum limit** — $5,000.00 (Account limit)
- **Minimum limit** — $1,000.00 (Card limit)
- **Maximum limit** — $18,000,000.00

## More information from NATIONAL AUSTRALIA BANK

- [Overview](https://www.nab.com.au/business/business-cards/nab-low-rate-business-card)
- [Terms & conditions](https://www.nab.com.au/business/business-credit-cards/terms-conditions)
- [Eligibility](https://www.nab.com.au/business/business-cards/nab-low-rate-business-card)
- [Fees & pricing](https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3)

## Data provenance

- Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right
- Product ID: `aea04112-8a33-4d90-991a-b30ad00699a8`
- Last updated by the provider: 1 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/national-australia-bank/aea04112-8a33-4d90-991a-b30ad00699a8
- 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/aea04112-8a33-4d90-991a-b30ad00699a8) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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