Credit cards | Find the right card and apply online - NAB Take a look at our range of credit cards to find one that suits your needs, with low rate, low fee and rewards options available. Explore credit card offers Help me choose a credit card Important Upcoming Credit Card Changes​ Interest, fees, charges and earn rates (if applicable) are changing from 1 October 2026.​ Find the right credit card for you Low Rate and Low Fee cards Low interest rate credit card offers Your choice of offers to suit your credit needs, select either our promotional balance transfer offer or our cashback offer. May suit if you are not likely to pay off your closing balance in full every month. NAB Low Rate Card balance transfer offer Looking to transfer your existing credit card or store card debt to a new NAB credit card? Enjoy our promotional balance transfer rate for 26 months. Minimum credit limit Annual card fee Variable purchase rate From 1 October 2026, this will be 13.99%. Benefits and considerations Our lowest interest rate on purchases Our lowest interest rate on purchases Up to 55 interest free days on purchases Up to 55 interest free days on purchases Complimentary mobile phone insurance Complimentary mobile phone insurance Special offers with Visa Entertainment including pre-sale tickets and member promotions Special offers with Visa Entertainment including pre-sale tickets and member promotions Add an additional cardholder at no extra cost Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies Fraud and theft protection with world class security technologies Global assistance for card emergencies Global assistance for card emergencies Opt out of replacing your physical card and use a digital card instead. Opt out of replacing your physical card and use a digital card instead. Higher annual card fee than the NAB Low Fee Card. Higher annual card fee than the NAB Low Fee Card. You won’t earn rewards points. You won’t earn rewards points. 0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee 0% p.a. on balance transfers for 26 months. Unpaid balance transfer reverts to variable cash advance rate. From 1 October 2026, the variable cash advance rate will increase to 22.99%. 0% p.a. on balance transfers for 26 months. Unpaid balance transfer reverts to variable cash advance rate. From 1 October 2026, the variable cash advance rate will increase to 22.99%. Existing NAB customers enjoy no annual fee for the first year , reverting to $99 p.a. from the second year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. Existing NAB customers enjoy no annual fee for the first year , reverting to $99 p.a. from the second year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. We can’t process balance transfers from certain issuers – see our indicative list. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below. NAB Low Rate Card cashback offer Looking for a credit card that offers a low interest rate and provides $400 cashback? Minimum credit limit Annual card fee Variable purchase rate From 1 October 2026, this will be 13.99%. Benefits and considerations Our lowest interest rate on purchases Our lowest interest rate on purchases Up to 55 interest free days on purchases Up to 55 interest free days on purchases Complimentary mobile phone insurance Complimentary mobile phone insurance 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. From 1 October 2026, the variable cash advance rate will increase to 22.99%. We can’t process balance transfers from certain issuers – see our indicative list. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. From 1 October 2026, the variable cash advance rate will increase to 22.99%. We can’t process balance transfers from certain issuers – see our indicative list. Special offers with Visa Entertainment including pre-sale tickets and member promotions Special offers with Visa Entertainment including pre-sale tickets and member promotions Add an additional cardholder at no extra cost Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies Fraud and theft protection with world class security technologies Global assistance for card emergencies Global assistance for card emergencies Opt out of replacing your physical card and use a digital card instead. Opt out of replacing your physical card and use a digital card instead. Higher annual card fee than the NAB Low Fee Card. Higher annual card fee than the NAB Low Fee Card. You won’t earn rewards points. You won’t earn rewards points. $400 cashback when you spend $5,000 on purchases within 150 days from account opening. $400 cashback when you spend $5,000 on purchases within 150 days from account opening. Existing NAB customers also enjoy $0 annual card fee for the first year (fee reverts to $99 in year two). If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. Existing NAB customers also enjoy $0 annual card fee for the first year (fee reverts to $99 in year two). If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. Purchases must be processed and charged to your account in the 150 day period from account opening to count towards the spend criteria. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below. Low annual fee credit cards May suit you if you want a low fee card, with a choice of standard or platinum benefits. NAB Low Fee Card A no-frills card with our lowest annual fee and access to special offers, complimentary purchase protection insurance , complimentary mobile phone insurance and fraud protection. You could also earn up to $250 cashback. Minimum credit limit Annual card fee Variable purchase rate From 1 October 2026, this will be 22.49%. Benefits and considerations Our lowest annual fee card Our lowest annual fee card Purchase Protection Insurance on personal items for loss, theft, or accidental damage Purchase Protection Insurance on personal items for loss, theft, or accidental damage Complimentary mobile phone insurance Complimentary mobile phone insurance Up to 44 interest free days on purchases Up to 44 interest free days on purchases 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. Special offers with Visa Entertainment including pre-sale tickets and member promotions Special offers with Visa Entertainment including pre-sale tickets and member promotions Add an additional cardholder at no extra cost Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies Fraud and theft protection with world class security technologies Global assistance for card emergencies Global assistance for card emergencies Opt out of replacing your physical card and use a digital card instead. Opt out of replacing your physical card and use a digital card instead. You won’t earn rewards points. You won’t earn rewards points. Higher interest rates compared to our NAB Low Rate Card Higher interest rates compared to our NAB Low Rate Card Enjoy $250 cashback $250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening. $250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening. Existing NAB customers enjoy $350 cashback when you spend $1,500 on purchases within 90 days from account opening, plus a $0 annual card fee for the first year, reverting to $49 p.a. from the second year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app, or with the assistance of a banker to enjoy this offer. Existing NAB customers enjoy $350 cashback when you spend $1,500 on purchases within 90 days from account opening, plus a $0 annual card fee for the first year, reverting to $49 p.a. from the second year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app, or with the assistance of a banker to enjoy this offer. Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below. NAB Qantas Rewards credit cards Suitable for earning Qantas Rewards Points for flights, products and more. NAB Qantas Rewards Premium Card Earn Qantas Points and enjoy platinum services and complimentary insurances . plus the opportunity to earn bonus points and cashback. Minimum credit limit Annual card fee Variable purchase rate From 1 October 2026, this will be 22.49%. Benefits and considerations Complimentary insurances Complimentary insurances Free Qantas Frequent Flyer membership (a saving of $99.50). Free Qantas Frequent Flyer membership (a saving of $99.50). Earn 1 bonus point for every dollar on eligible Qantas services. Earn 1 bonus point for every dollar on eligible Qantas services. Up to 44 interest free days on purchases Up to 44 interest free days on purchases 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Add an additional cardholder at no extra cost Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies Fraud and theft protection with world class security technologies NAB Concierge Service NAB Concierge Service Global assistance for card emergencies Global assistance for card emergencies Opt out of replacing your physical card and use a digital card instead. Opt out of replacing your physical card and use a digital card instead. Capped monthly points earn compared to our NAB Rewards cards. Capped monthly points earn compared to our NAB Rewards cards. Higher interest rates compared to our NAB Low Rate Card Higher interest rates compared to our NAB Low Rate Card Lower points earn per dollar compared to our NAB Qantas Signature Card. Lower points earn per dollar compared to our NAB Qantas Signature Card. Higher annual fee compared to some of our other cards. Higher annual fee compared to some of our other cards. Up to 100,000 bonus Qantas Points and $150 cashback 60,000 bonus points when you spend $3,000 on everyday purchases within the first 90 days of account opening 60,000 bonus points when you spend $3,000 on everyday purchases within the first 90 days of account opening 40,000 bonus points when you keep your card for over 12 months 40,000 bonus points when you keep your card for over 12 months $150 cashback when you meet minimum spend criteria $150 cashback when you meet minimum spend criteria 0% balance transfer (BT) rate for 12 months with 3% BT fee. Unpaid BT reverts to variable cash advance rate. 0% balance transfer (BT) rate for 12 months with 3% BT fee. Unpaid BT reverts to variable cash advance rate. Existing NAB customers also enjoy a $100 reduction in annual card fee (from $295 to $195) for the first year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. Existing NAB customers also enjoy a $100 reduction in annual card fee (from $295 to $195) for the first year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Qantas Rewards Credit Card in the last 24 months. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below. NAB Qantas Rewards Signature Card Our highest Qantas Points earn rate with platinum services and complimentary insurances plus the chance to earn bonus points and cashback. Minimum credit limit Annual card fee From 1 October 2026, this will be $449. Variable purchase rate From 1 October 2026, this will be 22.49%. Benefits and considerations Complimentary insurances Complimentary insurances Free Qantas Frequent Flyer membership (a saving of $99.50). Free Qantas Frequent Flyer membership (a saving of $99.50). Earn 1 bonus point for every dollar on eligible Qantas services. Earn 1 bonus point for every dollar on eligible Qantas services. Up to 44 interest free days on purchases Up to 44 interest free days on purchases 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Add an additional cardholder at no extra cost Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies Fraud and theft protection with world class security technologies NAB Concierge Service NAB Concierge Service Global assistance for card emergencies Global assistance for card emergencies Opt out of replacing your physical card and use a digital card instead. Opt out of replacing your physical card and use a digital card instead. Capped monthly points earn compared to our NAB Rewards cards. Capped monthly points earn compared to our NAB Rewards cards. Higher interest rates compared to our NAB Low Rate Card Higher interest rates compared to our NAB Low Rate Card Higher annual fee compared to some of our other cards. Higher annual fee compared to some of our other cards. Up to 130,000 bonus Qantas Points and $250 cashback Offer ends 30 September 2026. 100,000 bonus points when you spend $5,000 on everyday purchases within the first 90 days of account opening 100,000 bonus points when you spend $5,000 on everyday purchases within the first 90 days of account opening 30,000 bonus points when you keep your card for over 12 months 30,000 bonus points when you keep your card for over 12 months $250 cashback when you meet minimum spend criteria $250 cashback when you meet minimum spend criteria 0% balance transfer (BT) rate for 12 months with 3% BT fee. Unpaid BT reverts to variable cash advance rate. 0% balance transfer (BT) rate for 12 months with 3% BT fee. Unpaid BT reverts to variable cash advance rate. Existing NAB customers also enjoy a $100 reduction in annual card fee (from $420 to $320) for the first year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. Existing NAB customers also enjoy a $100 reduction in annual card fee (from $420 to $320) for the first year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Qantas Rewards Credit Card in the last 24 months. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below. NAB Rewards credit cards Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more. NAB Rewards Platinum Card Earn NAB Rewards Points and enjoy platinum services and complimentary insurances , with the chance to earn up to 100,000 bonus points. Minimum credit limit Annual card fee Variable purchase rate From 1 October 2026, this will be 22.49%. Benefits and considerations Complimentary insurances Complimentary insurances Earn up to 2 NAB Rewards Points per $1 Earn up to 2 NAB Rewards Points per $1 Uncapped points earn

Uncapped points earn Up to 44 interest free days on purchases Up to 44 interest free days on purchases 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Add an additional cardholder at no extra cost Add an additional cardholder at no extra cost Fraud and theft protection with world class security technologies Fraud and theft protection with world class security technologies NAB Concierge Service NAB Concierge Service Global assistance for card emergencies Global assistance for card emergencies Opt out of replacing your physical card and use a digital card instead. Opt out of replacing your physical card and use a digital card instead. Complimentary mobile phone insurance Complimentary mobile phone insurance Higher interest rates compared to our NAB Low Rate Card Higher interest rates compared to our NAB Low Rate Card Lower point earn rate compared to our NAB Rewards Signature Card. Lower point earn rate compared to our NAB Rewards Signature Card. Higher annual fee compared to some of our other cards. Higher annual fee compared to some of our other cards. NAB Rewards Points cannot be used to redeem Qantas Points. NAB Rewards Points cannot be used to redeem Qantas Points. Up to 100,000 bonus NAB Rewards Points 80,000 bonus points when you apply for a NAB Rewards Platinum Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening. 80,000 bonus points when you apply for a NAB Rewards Platinum Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening. 20,000 bonus points when you keep your card for over 12 months. 20,000 bonus points when you keep your card for over 12 months. Existing NAB customers also enjoy a $100 reduction in annual card fee (from $195 to $95) for the first year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. Existing NAB customers also enjoy a $100 reduction in annual card fee (from $195 to $95) for the first year. If you’re already a NAB customer, you must apply through your Internet Banking , the NAB app , or with the assistance of a banker to enjoy this offer. Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Rewards Credit Card in the last 24 months. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information. NAB Rewards Signature Card Our highest NAB Rewards Points earn rate with premium services and complimentary insurances . You could also earn up to 110,000 bonus points. Minimum credit limit Monthly card fee From 1 October 2026, the monthly card fee will revert to a $395 annual fee. Variable purchase rate From 1 October 2026, this will be 22.49%. Benefits and considerations Fee-free international transactions Fee-free international transactions Complimentary delayed flight lounge pass Complimentary delayed flight lounge pass Uncapped points earn Uncapped points earn Complimentary mobile phone insurance Complimentary mobile phone insurance Shop at the NAB Rewards Store Shop at the NAB Rewards Store Earn up to 3 NAB Rewards Points per $1 until 30 September 2026. Earn up to 3 NAB Rewards Points per $1 until 30 September 2026. From 1 October 2026, earn up to 2.5 NAB Rewards Points per $1. From 1 October 2026, earn up to 2.5 NAB Rewards Points per $1. Complimentary insurances Complimentary insurances Add an additional cardholder at no extra cost Add an additional cardholder at no extra cost Up to 44 interest free days on purchases Up to 44 interest free days on purchases 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. Fraud and theft protection with world class security technologies Fraud and theft protection with world class security technologies Global assistance for card emergencies Global assistance for card emergencies NAB Concierge Service NAB Concierge Service Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Opt out of replacing your physical card and use a digital card instead. Opt out of replacing your physical card and use a digital card instead. Higher interest rates compared to our NAB Low Rate Card Higher interest rates compared to our NAB Low Rate Card Higher annualised monthly fee compared to some of our other cards Higher annualised monthly fee compared to some of our other cards NAB Rewards Points cannot be used to redeem Qantas Points. NAB Rewards Points cannot be used to redeem Qantas Points. Up to 110,000 bonus NAB Rewards Points 80,000 bonus points when you apply for a NAB Rewards Signature Card, are approved and spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus points when you keep your card for over 12 months. 80,000 bonus points when you apply for a NAB Rewards Signature Card, are approved and spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus points when you keep your card for over 12 months. Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Rewards Credit Card in the last 24 months. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below. NAB Rewards Platinum Card with Velocity Experience uncapped rewards points, transferred monthly to your Velocity account to redeem on flights or the Velocity Rewards Store. You could also earn up to 90,000 bonus Velocity Points. Minimum credit limit Annual card fee Variable purchase rate From 1 October 2026, this will be 22.49%. Benefits and considerations Uncapped points earn Uncapped points earn Earn up to 2 NAB Rewards Points per $1 Earn up to 2 NAB Rewards Points per $1 Complimentary insurances Complimentary insurances Up to 44 interest free days on purchases Up to 44 interest free days on purchases 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. Add an additional cardholder at no extra cost Add an additional cardholder at no extra cost NAB Concierge Service NAB Concierge Service Global assistance for card emergencies Global assistance for card emergencies Complimentary mobile phone insurance Complimentary mobile phone insurance Higher interest rates compared to our NAB Low Rate Card Higher interest rates compared to our NAB Low Rate Card Lower point earn rate compared to our NAB Rewards Signature Card. Lower point earn rate compared to our NAB Rewards Signature Card. Higher annual fee compared to some of our other cards. Higher annual fee compared to some of our other cards. Up to 90,000 bonus Velocity Points Automatically redeem 70,000 Velocity Points (from 140,000 NAB Rewards Bonus Points) when you spend $4,000 within the first 90 days of account opening. Automatically redeem 70,000 Velocity Points (from 140,000 NAB Rewards Bonus Points) when you spend $4,000 within the first 90 days of account opening. Plus 20,000 Velocity Points (from 40,000 NAB Rewards Bonus Points) when you keep your card for over 12 months. Plus 20,000 Velocity Points (from 40,000 NAB Rewards Bonus Points) when you keep your card for over 12 months. Minimum monthly repayments required. Offer commenced on 15 January 2026 and ends upon withdrawal. Available to new cardholders only. Eligibility criteria and terms and conditions apply. See important information below. NAB Rewards Signature Card with Velocity Experience uncapped rewards points to transfer monthly to your Velocity account with our highest points earn NAB Rewards credit card. You could also earn up to 80,000 bonus Velocity Points. Minimum credit limit Monthly card fee From 1 October 2026, the monthly card fee will revert to a $395 annual fee. Variable purchase rate From 1 October 2026, this will be 22.49%. Benefits and considerations Fee-free international transactions Fee-free international transactions Complimentary delayed flight lounge pass Complimentary delayed flight lounge pass Convert 2 NAB Rewards Points into 1 Velocity Point until 30 September 2026. From 1 October 2026, convert 3 NAB Rewards Points into 1 Velocity Point. Convert 2 NAB Rewards Points into 1 Velocity Point until 30 September 2026. From 1 October 2026, convert 3 NAB Rewards Points into 1 Velocity Point. Complimentary mobile phone insurance Complimentary mobile phone insurance Earn up to 3 NAB Rewards Points per $1 until 30 September 2026. Earn up to 3 NAB Rewards Points per $1 until 30 September 2026. From 1 October 2026, earn up to 2.5 NAB Rewards Points per $1. From 1 October 2026, earn up to 2.5 NAB Rewards Points per $1. Complimentary insurances Complimentary insurances Add an additional cardholder at no extra cost Add an additional cardholder at no extra cost Up to 44 interest free days on purchases Up to 44 interest free days on purchases 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate. We can’t process balance transfers from certain issuers – see our indicative list. Fraud and theft protection with world class security technologies Fraud and theft protection with world class security technologies Global assistance for card emergencies Global assistance for card emergencies NAB Concierge Service NAB Concierge Service Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions Higher interest rates compared to our NAB Low Rate Card Higher interest rates compared to our NAB Low Rate Card Higher annualised monthly fee compared to some of our other cards Higher annualised monthly fee compared to some of our other cards Up to 80,000 bonus Velocity Points Receive 60,000 Velocity Points (by earning and automatically redeeming 120,000 NAB Rewards Bonus Points) when you spend $5,000 on everyday purchases within the first 90 days of account opening. Receive 60,000 Velocity Points (by earning and automatically redeeming 120,000 NAB Rewards Bonus Points) when you spend $5,000 on everyday purchases within the first 90 days of account opening. Plus receive a further 20,000 Velocity Points (by earning and automatically redeeming 40,000 NAB Rewards Bonus Points) when you keep your card for over 12 months. Plus receive a further 20,000 Velocity Points (by earning and automatically redeeming 40,000 NAB Rewards Bonus Points) when you keep your card for over 12 months. Offer only available online for new cardholders. Minimum monthly repayments required. Offer commenced on 29 July 2025 and ends upon withdrawal. Eligibility criteria and terms and conditions apply. See important information below. New Earn Velocity Points Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card. Convert 2 NAB Rewards Points into 1 Velocity Point (until 30 September 2026). From 1 October 2026, convert 3 NAB Rewards Points into 1 Velocity Point. Convert 2 NAB Rewards Points into 1 Velocity Point (until 30 September 2026). From 1 October 2026, convert 3 NAB Rewards Points into 1 Velocity Point. Enjoy hassle-free automatic redemption, which transfers your NAB Rewards Points direct into your Velocity account each month. Enjoy hassle-free automatic redemption, which transfers your NAB Rewards Points direct into your Velocity account each month. To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page. To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB. Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time. NAB credit card eligibility To apply for a NAB credit card, you must be: 18 years or older 18 years or older Receiving a regular income Receiving a regular income an Australian resident for tax purposes an Australian resident for tax purposes an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency visa. an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency visa. The following visa categories are not acceptable: Visitor visa (exception, a Special Category visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging. Visitor visa (exception, a Special Category visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging. Manage your card with the NAB app Tap and pay for purchases with digital wallets . Tap and pay for purchases with digital wallets . Access your digital cards . Access your digital cards . Control contactless payments, online purchases and overseas transactions. Control contactless payments, online purchases and overseas transactions. Block, unblock and reorder your card if it's lost or stolen. Block, unblock and reorder your card if it's lost or stolen. Notify us if you're going overseas so we can protect your card. Notify us if you're going overseas so we can protect your card. Help and support Get help with your NAB credit card. Avoid paying credit card interest Credit card fees and how to avoid them Avoid exceeding your credit limit Choosing your first credit card Learn more about the application process How to apply for a credit card Learn more about what you’ll need to apply for a NAB credit card. How to apply for a personal loan Learn more about what you’ll need to apply for a NAB Personal Loan. Resume a saved application Save the progress of your application and return at any time. More about credit cards How to apply for a credit card Learn more about what you’ll need to apply for a NAB credit card. How to get a good credit score Learn how to improve your creditworthiness to help yourself get ahead. Choosing between a credit card or personal loan Key differences between credit cards and personal loans. Visit a NAB branch Visit your nearest NAB branch to speak to us in person. Important Information Important Information Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later. Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB. Fees and charges Read our credit card terms and conditions . Credit card fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today. Interest, fees, charges and earn rates (if applicable) are changing from 1 October 2026. Learn more about card changes . Credit cards issued by National Australia Bank Limited. NAB Credit Card Terms and Conditions NAB Electronic Banking (card based) terms and conditions NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB) Credit card fees and charges Indicator rates for other personal lending products