NAB Low Rate Card (0% p.a. on Balance Transfers for 26 months on a new NAB Low Rate card)

Purchase Rate
12.99% p.a.
Cash Advance Rate
21.74% p.a.
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Interest Free
Up to 55 days
Annual Fee
Balance Transfer Rate
0% p.a. for first 26 months
  • Enjoy the benefits of our lowest rate on everyday purchases.
  • 0% p.a. on purchases for 26 months* on a new NAB Low Rate Card. One off 2% Balance Transfer fee applies. Unpaid Balance Transfers revert to Cash Advance Rate. Minimum monthly repayments required.
  • $0 annual fee for the first year (usually $59)
  • Apply by NAB may vary or end this offer at any time.
  • You’ll also enjoy the benefits of our lowest ongoing rate on everyday purchases.
  • Up to 55 days interest free on purchases do not apply with an outstanding balance transfer.
  • Additional cardholder at no extra cost.
  • Your choice of a pink or silver card.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $59.00
Annual Fee First Year $0.00
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
Offer commenced 26 April 2021. 1 Balance Transfer Special Offer For approved applicants who apply for a new personal NAB Low Rate credit card before the offer is withdrawn. The special purchase interest rate of 0% p.a. will apply for a 26 month statement period from when the account is opened. After the 26-month period, any unpaid purchases will then attract the card’s cash advance rate (currently 21.74% p.a. as at 26 April 2021). Interest rates are subject to change and available on our website. The balance transfer fee is 2% of the balance transferred and will be applied at the time the balance is transferred to NAB. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other offer. No annual fee will be charged for the first year. The annual fee of $59 will be charged in the 13 month from when the account is opened. 2 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. Fees and charges Please refer to our credit card terms and conditions to learn more. 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 26 April 2021. 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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