NAB Low Rate Business Card

Purchase Rate

13.25 %
p.a.
Cash Advance Rate
13.25% p.a.
Interest Free
Up to 44 days
Annual Fee
$55.00
Balance Transfer Rate
0% p.a.
for first 12 months
  • A low cost credit card to help you manage your cashflow.
  • 0% on purchases in the first 12 months.*
  • No annual card fee for the first year.**
  • Apply by NAB may vary or end this offer at any time.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance
Terms & Conditions
Important information: * Introductory interest rate: Offer applies to approved applicants only. Offer available until withdrawn. NAB may vary or end this offer at any time with no notice. To be eligible for the introductory interest rate offer, you must apply for a NAB Low Rate Business Card before the offer is withdrawn. The special introductory interest rate of 0% p.a. on purchases applies for 12 months from the date your account is opened by NAB. At the end of the 12 months, any purchase amounts owing will attract the interest rate for purchases then applicable to your account which is, equal to the NAB Low Rate Business Card indicator rate for purchases, which is available at nab.com.au and is subject to change. Minimum monthly repayments must be made by the due date each month. ** Offer applies to approved applicants only. Offer available until withdrawn. NAB may vary or end this offer at any time with no notice. To be eligible for the annual card fee waiver, you must apply for a NAB Low Rate Business Card before the offer is withdrawn. The annual card fee waiver will apply to each card issued and used within one year of opening your account and will apply for 12 months from the day of use. The annual card fee will be charged to the card in the statement period following the anniversary of first use of the card, which is currently $60 and is subject to change. 1. Interest free days on business purchases: If you pay your account in full by the due date each month. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office, purchases of travellers cheques and transactions for gambling or gaming related purposes). 2. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 2227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 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 NAB account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders 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. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet and NAB Purchase Protection Insurance Policy Information Booklet which may be amended from time to time. NAB does not guarantee this insurance. 3. This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. To access the NAB Concierge Services call 1300 730 213, 24 hours a day, 7 days a week. See the (PDF, 234KB) for full details. Approval and credit limit is subject to NAB’s credit assessment criteria. Information, including interest rate and annual credit card fees are subject to change. Details are correct at 18 June 2018 and are subject to change by NAB. Credit cards are issued by 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).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

NAB Low Rate Business Card

Purchase Rate 13.25 % p.a.
Cash Advance Rate 13.25% p.a.
Interest Free Up to 44 days
Annual Fee $55.00
Balance Transfer Rate 0 % p.a. for first 12 months

Top Features

  • A low cost credit card to help you manage your cashflow.
  • 0% on purchases in the first 12 months.*
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Annual Fee $55.00
Minimum Repayment Greater of 2% or $25.00
Annual Fee First Year $0.00
Interest Charged From PurchaseDate
Rewards Joining Fee -
Late Payment Fee $15.00
Supplementary Card Fee $0.00
Duplicate Statement Fee $7.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $5.00
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $100.00
Terms & Conditions

Important information: * Introductory interest rate: Offer applies to approved applicants only. Offer available until withdrawn. NAB may vary or end this offer at any time with no notice. To be eligible for the introductory interest rate offer, you must apply for a NAB Low Rate Business Card before the offer is withdrawn. The special introductory interest rate of 0% p.a. on purchases applies for 12 months from the date your account is opened by NAB. At the end of the 12 months, any purchase amounts owing will attract the interest rate for purchases then applicable to your account which is, equal to the NAB Low Rate Business Card indicator rate for purchases, which is available at nab.com.au and is subject to change. Minimum monthly repayments must be made by the due date each month. ** Offer applies to approved applicants only. Offer available until withdrawn. NAB may vary or end this offer at any time with no notice. To be eligible for the annual card fee waiver, you must apply for a NAB Low Rate Business Card before the offer is withdrawn. The annual card fee waiver will apply to each card issued and used within one year of opening your account and will apply for 12 months from the day of use. The annual card fee will be charged to the card in the statement period following the anniversary of first use of the card, which is currently $60 and is subject to change. 1. Interest free days on business purchases: If you pay your account in full by the due date each month. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office, purchases of travellers cheques and transactions for gambling or gaming related purposes). 2. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 2227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 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 NAB account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders 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. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet and NAB Purchase Protection Insurance Policy Information Booklet which may be amended from time to time. NAB does not guarantee this insurance. 3. This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. To access the NAB Concierge Services call 1300 730 213, 24 hours a day, 7 days a week. See the (PDF, 234KB) for full details. Approval and credit limit is subject to NAB’s credit assessment criteria. Information, including interest rate and annual credit card fees are subject to change. Details are correct at 18 June 2018 and are subject to change by NAB. Credit cards are issued by 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).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.