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NAB Low Rate Credit Card

The NAB Low Rate Visa credit card is all about providing value, as it offers NAB’s lowest purchase rate at 13.99% p.a. combined with a low annual fee of $59.

Introductory Offer: 0% p.a on Purchases for 6 months.

Offer Conditions: Offer available to new customers only. Minimum monthly repayments are required. NAB may vary or end this offer at any time.

In terms of features the NAB Low Rate Visa credit card comes packaged with a surprising range:

  • Up to 55 interest free days on purchases - providing you pay off your balance in full every month including any balance transfer amount.
  • Super low annual fee - Just $59
  • 1 Additional Card Holder - Add an additional card holder for $0
  • Card Security - Verified by Visa to protect your online payments.
  • Visa payWave - provides the convenience of tap and go quick payments on transactions up to $100.
  • Choose your card color - A choice of a pink or silver.
  • 24/7 emergency travel assistance - provided by Visa Customer Assistance Services,
  • Visa Entertainment - special offers on events and entertainment
  • 0% p.a. on Balance Transfers for 6 months - Reverts to the Cash Advance rate of 21.74% after 6 months. A 2% Balance Transfer fee applies. Minimum monthly repayments required.
  • Balance Transfer limit - 90% of your approved credit limit.
Credit Card Details
Provider NAB
Prestige Level Standard
Credit Card Type Visa
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 13.99%
Cash Advance Rate 21.74%
Interest Charged From Purchase date
Interest Free Period Up to 55 days on purchases
Balance Transfer
Balance Transfer Rate 0.00%
Balance Transfer Period 6 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 Purchases for 6 months
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 $59
Over Limit Fee $0
Duplicate Statement fee $7.00
Late Payment Fee $15
Min. Monthly Repayment % -
Max. Credit Limit -
Cash advance fee 2% of the cash advance amount or minimum fee of $2.50, whichever is greater
Additional card holder fee $0.00
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.