--- title: "NAB Low Fee 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/fbce13b1-77db-4226-9f55-9028ee31884f source: "CDR Compare" language: en-AU last_updated: 2026-04-28T13:59:59Z --- # NAB Low Fee 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** Enjoy our lowest annual card fee of only $30 and our special cashback offer. ## At a glance - **Purchase rate:** 20.99% - **Annual fee:** $49.00 ## Apply Applications are handled by the provider: [Apply at NATIONAL AUSTRALIA BANK](https://www.nab.com.au/personal/banking/credit-cards/nab-low-fee-card) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Balance transfer (0% p.a. for 12 months standard balance transfer rate. 3% balance transfer fee applies. 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) | 20.99% | — | — | | 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 −$30.00 — NAB Portfolio Facility - no annual fee (eligibility: Other: Part of NAB Portfolio Facility) · Discount −$30.00 — NAB Private Portfolio Package - no annual fee (eligibility: Other: Part of NAB Private Portfolio Package) · Discount −$30.00 — NAB Private Tailored Package - no annual fee (eligibility: Other: Part of NAB Private Tailored Package) | Ongoing | $49.00 | | International transaction single currency | Transaction | 3.5% of transaction | | International transaction multi currency | Transaction | 3.5% of transaction | | Cash advance | Cash advance | 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. Additional cardholder must be 16 years of age or older.) - **Unlimited transactions** - **Balance transfers** (3% fee NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Interest-free period** — 44 days (Up to 44 interest free days on purchases) - **Digital banking** - **Bill payment (BPAY)** — BPAY - **Insurance included** — Purchase Protection Insurance (Complimentary) - **Digital wallet** — Apple Pay - **Digital wallet** — Google Pay - **Digital wallet** — Samsung Pay - **Digital wallet** — Garmin Pay - **Interest-free transfers** — 12 months (NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.) - **Cashback offer** — 200 ($200 cashback when you spend $1,500 on purchases within 90 days from account opening. 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 - **Minimum age** — 18 years - **Individuals only** - **Residency status** — Must be an Australian resident - **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-fee) - [Terms & conditions](https://www.nab.com.au/personal/credit-cards/low-fee) - [Eligibility](https://www.nab.com.au/personal/credit-cards/fees-charges) - [Fees & pricing](https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card) - [Bundle information](https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card) ## Data provenance - Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right - Product ID: `fbce13b1-77db-4226-9f55-9028ee31884f` - Last updated by the provider: 28 April 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/national-australia-bank/fbce13b1-77db-4226-9f55-9028ee31884f - 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/fbce13b1-77db-4226-9f55-9028ee31884f) — product data published by Australian data holders under the Consumer Data Right. 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