NAB
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
Credit cardsBank updated 28 Apr 2026
At a glance
- Purchase rate
- 13.49%
- Cash advance
- 21.74%
- Interest-free days
- 55
- Annual fee
- $99
- Foreign transaction fee
- 3.50%
- Balance transfer
- 13.49%
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferNAB may discount the purchase rate at its discretion, including for promotional purposes. | — | — | — | 13.49% | — | Not applicable |
| Cash advance | — | — | — | 21.74% | — | Not applicable |
| Introductory0% 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. | — | 2 yrs intro | — | 0.00% | — | Not applicable |
| PurchaseNAB may discount the purchase rate at its discretion, including for promotional purposes. | — | — | — | 13.49% | — | Not applicable |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Late payment | Event | $20 | — | — |
| Annual fee | Periodic | $99 | Every 1 yr | NAB may waive or discount fees at its discretion, as part of a package or promotional offer. Reduced Annual Fee in First Year NAB Portfolio Facility - no annual fee NAB Private Portfolio Package - no annual fee NAB Private Tailored Package - no annual fee |
| Cash advance | Transaction | 3.50% of transaction | — | Minimum fee $3.50 |
| International transaction multi currency | Transaction | 3.50% of transaction | — | — |
| International transaction single currency | Transaction | 3.50% of transaction | — | — |
§ 03 — Features
Digital bankingFraud protectionUnlimited transactionsBalance transfers55 interest-free days1 additional cardsApple PayGoogle PaySamsung PayGarmin Pay
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must be an Australian resident
- · Available to individuals
- · Amount $1,000 to no maximum
- · Lending criteria apply
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by NATIONAL AUSTRALIA BANK under the Consumer Data Right, last changed by them on 28 Apr 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.