NAB
NAB Low Fee Card
Enjoy our lowest annual card fee of only $30 and our special cashback offer.
Credit cardsBank updated 28 Apr 2026
At a glance
- Purchase rate
- 20.99%
- Cash advance
- 21.74%
- Interest-free days
- 44
- Annual fee
- $49
- Foreign transaction fee
- 3.50%
- Balance transfer
- 0.00% for 1 yr
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| 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 | — | — | — | 21.74% | — | Not applicable |
| PurchaseNAB may discount the purchase rate at its discretion, including for promotional purposes. | — | — | — | 20.99% | — | Not applicable |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash advance | Cash advance | 3.50% of transaction | — | — |
| Late payment | Event | $20 | — | — |
| Annual fee | Periodic | $49 | Every 1 yr | 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 |
| International transaction multi currency | Transaction | 3.50% of transaction | — | — |
| International transaction single currency | Transaction | 3.50% of transaction | — | — |
§ 03 — Features
Digital bankingFraud protectionUnlimited transactionsBalance transfers44 interest-free days1 additional cardsApple PayGoogle PaySamsung PayGarmin PayPurchase Protection Insurance
§ 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
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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.