NAB
NAB

NAB Low Fee Card

Purchase Rate
19.74% p.a.
Cash Advance Rate
21.74% p.a.
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Interest Free
Up to 44 days
Annual Fee
$30.00
  • Standard Balance Transfer Rate: 0% p.a. for 6 months. Once off 2% balance transfer fee applies.
  • Also, with our lowest annual card fee, this is a handy card for everyday use.
  • Access to six complimentary insurances when you make an eligible purchase.
  • Get peace of mind with Purchase Protection Insurance. If you use your NAB Low Fee 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.
  • Additional cardholder at no extra cost.
  • Up to 44 days interest free on purchases.

Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$30.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $30.00
Annual Fee First Year $30.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $2.50
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Other Charges

Duplicate Statement Fee $7.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $5.00
Overseas ATM Withdrawal Fee $4.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $100.00
Terms & Conditions
1. Interest free days on purchases If you pay your account in full, or if your statement displays an interest free days payment, that amount in full, by the due date each month. 2. Standard Balance Transfer Rate After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74% p.a. as at 1 October 2020). Interest rates are subject to change and available at www. nab.com.au. While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time. 3. Included insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover. If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the insurance information booklet. For cardholders of the NAB Low Fee Credit Card and the NAB Visa Debit Card (and certain other cards that are no longer for sale, as listed in the policy information booklet), there is one included insurance cover: purchase protection. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Purchase Protection Insurance Policy Information Booklet dated 31 March 2021 which may be amended from time to time. For insurable events that occurred prior to 31 March 2021, the eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Purchase Protection Insurance Policy Information Booklet dated 1 September 2019. 4. This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions (PDF, 239KB) for full details. Credit card terms and conditions. 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 1 October 2020 and subject to change. Credit cards issued by National Australia Bank Limited. ©2021 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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