NAB
NAB Low Rate Business Card
If you’re a small business, our low rate business credit card can help you manage your cash flow.
Credit cardsBank updated 1 June 2026
At a glance
- Purchase rate
- 13.99%
- Cash advance
- 13.99%
- Interest-free days
- 55
- Annual fee
- $60 · discounted first 1 yr
- Foreign transaction fee
- 3.00%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 13.99% | — | Not applicable |
| IntroductoryIntroductory 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… | — | 1 yr intro | — | 0.00% | — | Not applicable |
| Purchase | — | — | — | 13.99% | — | Not applicable |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Late Payment Fee | Event | $15 | — | — |
| Annual Card Fee | Periodic | $60 | Every 1 yr | NAB may waive or discount fees at its discretion, as part of a package or promotional offer. Waive Card Fee |
| Cash Advance Fee | Transaction | 3.00% of transaction | — | Minimum fee is $3.00 |
| International Transaction Fee Multi-Currency | Transaction | 3.00% of transaction | — | — |
| International Transaction Fee Single Currency | Transaction | 3.00% of transaction | — | — |
§ 03 — Features
Digital bankingUnlimited transactions55 interest-free days1000 additional cardsApple PayGoogle PaySamsung PayGarmin PayUnauthorised Transaction Insurance
- · 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.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must be an Australian citizen or permanent resident
- · Available to businesses
- · Amount $1,000 to $18,000,000
- · Have 12 months of business financial data.
- · Registered for GST
- · Have a valid ABN/ACN
§ 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 1 June 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.