The Finance Algorithm
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NAB Low Fee Card

Enjoy our lowest annual card fee of only $30 and our special cashback offer.

Credit cardsBank updated 1 Oct 2026
Apply at National Australia Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
22.49%
Cash advance
22.99%
Interest-free days
44
Annual fee
$49
Foreign transaction fee
3.50%
Balance transfer
0.00% for 1 yr
NAB Low Fee Card card

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 22.49%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers22.49%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions50th lowest of 51
Interest-free daysDays without interest on purchases when the balance is paid in full44 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions37th longest of 42, level with 4 others

Rates

Every rate NAB publishes for this credit card, 3 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transfer0% 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.-1 yr intro-0.00%-Not applicable
Cash advance---22.99%-Not applicable
PurchaseNAB may discount the purchase rate at its discretion, including for promotional purposes.---22.49%-Not applicable

Rate changes

2 changes logged, newest first.

DateRateWasNowChange
2 Oct 2026Cash advance21.74%22.99%up 1.25
2 Oct 2026Purchase20.99%22.49%up 1.50

Each change is logged the night it appears in the rates National Australia Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

5 fees published, grouped by when they're charged.

While you hold it1

  • Annual fee

    NAB may waive or discount fees at its discretion, as part of a package or promotional offer. NAB Portfolio Facility - no annual fee NAB Private Portfolio Package - no annual fee NAB Private Tailored Package - no annual fee

    $49 a year

When you make a transaction3

  • Cash advance
    3.50% of transaction
  • International transaction multi currency
    3.50% of transaction
  • International transaction single currency
    3.50% of transaction

When particular things happen1

  • Late payment
    $20

Features

Digital bankingFraud protectionUnlimited transactionsBalance transfers44 interest-free days1 additional cardApple PayGoogle PaySamsung PayGarmin PayPurchase Protection Insurance

Eligibility and limits

  • Minimum age 18
  • Residency: Must be an Australian resident
  • Available to individuals
  • Amount from $1,000, no maximum
  • Lending criteria apply

Published by National Australia Bank under the Consumer Data Right, last changed by them on 1 Oct 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.