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NAB Low Fee Credit Card

The NAB Low Annual Fee credit card is a no frills card with an annual fee of just $30, and a generous introductory offer.

Introductory Offer: 0% p.a. on Balance Transfers for 18 months*.

Offer Conditions: A one off 2% balance transfer fee applies, Balance transfer reverts to Cash Advance Rate of 21.74% p.a. after 18 months, offer available to new customers only. Standard Balance Transfer Rate: 4.99% for 6 months. Not available in conjunction with the Balance Transfer Special offer. Minimum monthly repayments are required. NAB may vary or end this offer at any time.

The NAB Low Fee Visa credit card comes packaged with a surprising range:

  • Up to 44 interest free days on purchases - providing you pay off your balance in full every month including any balance transfer amount.
  • Low annual fee - Just $30 p.a.
  • 1 Additional Card Holder - Add an additional card holders for $0
  • Get peace of mind with Purchase Protection Insurance - If you use your NAB Qantas Rewards Card to pay for a new personal retail item in full - and that item is lost, stolen or accidentally damaged at any time within 90 days of the date of purchase - you're covered for the cost of repairing or replacing it.

  • 7 complimentary insurances - when you meet eligibility criteria, including Overseas Travel InsuranceSpend at least $500 of your prepaid transportation, accommodation, and/or land tour costs on your NAB Low Fee Card prior to commencing your trip and you could be covered for travel cancellation, overseas medical expenses, lost luggage or travel documents. 
Credit Card Details
Provider NAB
Prestige Level Standard
Credit Card Type Visa
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 19.74%
Cash Advance Rate 21.74%
Interest Charged From Purchase date
Interest Free Period Up to 44 days on purchases
Balance Transfer
Balance Transfer Rate 0%
Balance Transfer Period 18 months
Balance Transfer Fee 2%
Balance Transfer Processing Time 10 - 14 days
Max. Balance Transfer 90% of credit limit
Revert rate 21.74% p.a.
Intro Offer 0% p.a. on Balance Transfers for 18 months, reverts to the Cash Advance Rate of 21.74% p.a. A one off 2% balance transfer fee applies.
Offer end date -
Rewards Program No
Rewards Points No
Acceptance Criteria
Age to Apply 18
Min. Income -
Residency Australia
Temporary residents No
Min. Credit Limit $500
Joint applicants No
Fees & Terms
Min. Monthly Repayment -
Annual Fee $30
Over Limit Fee $0
Duplicate Statement fee $7
Late Payment Fee $15
Min. Monthly Repayment % -
Max. Credit Limit $2,500
Cash advance fee 2% of the cash advance amount or minimum fee of $2.50, whichever is greater
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee 2.5% of transaction value
Overseas atm withdrawal fee $4
Complimentary travel insurance No

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.