NAB Low Rate Card (0% p.a. on purchases for 6 months* on a new NAB Low Rate Card)

Purchase Rate

13.99 %
p.a.
Cash Advance Rate
21.74% p.a.
Interest Free
Up to 55 days
Annual Fee
$59.00
Balance Transfer Rate
0% p.a.
for first 6 months
  • Enjoy the benefits of our lowest rate on everyday purchases.
  • 0% p.a. on purchases for 6 months* on a new NAB Low Rate Card.
  • Standard Balance Transfer Rate: 0% p.a. for 6 months. One off 2% BT fee applies. BT reverts to Cash Advance Rate. Not available in conjunction with the Balance Transfer Special offer. Minimum monthly repayments required.
  • 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.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Visit the issuer's website for additional information.

Terms & Conditions
*Offer commenced 13 November 2017. For approved applicants who apply for a new personal NAB Low Rate credit card before the offer is withdrawn. The special purchase interest rate will apply for a 6 month statement period from account opening. After the 6 month period, any unpaid purchases will then attract the card’s standard purchase rate (currently 13.99% p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au. 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. 1. If you pay your account in full by the due date each month. You won’t receive interest free days if you have a balance transfer. However, from 30 March 2020 you may still receive the benefit of interest-free days on purchases if you have an outstanding balance transfer, if you pay the ‘interest-free days payment’ specified on your monthly statement in full by the due date each month. For more information visit nab.com.au/btchange. 2. After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 March 2018). Interest rates are subject to change and available at nab.com.au. Interest free days on purchases do not apply while you have a balance transfer. However from 30 March 2020 you may still receive the benefit of interest-free days on purchases if you have an outstanding balance transfer, if you pay the ‘interest-free days payment’ specified on your monthly statement in full by the due date each month. For more information visit nab.com.au/btchange. Minimum monthly repayments must be made by the due date each month. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Standard balance transfer rate and term may be varied or withdrawn at any time. Credit card terms and conditions (PDF, 343KB). 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 13 November 2017 and subject to change. Credit cards issued by National Australia Bank Limited. ©2020 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 Card (0% p.a. on purchases for 6 months* on a new NAB Low Rate Card)

Purchase Rate 13.99 % p.a.
Cash Advance Rate 21.74% p.a.
Interest Free Up to 55 days
Annual Fee $59.00
Balance Transfer Rate 0 % p.a. for first 6 months

Top Features

  • Enjoy the benefits of our lowest rate on everyday purchases.
  • 0% p.a. on purchases for 6 months* on a new NAB Low Rate Card.
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Annual Fee $59.00
Minimum Repayment Greater of 2% or $25.00
Annual Fee First Year $59.00
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 $4.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $100.00
Terms & Conditions

*Offer commenced 13 November 2017. For approved applicants who apply for a new personal NAB Low Rate credit card before the offer is withdrawn. The special purchase interest rate will apply for a 6 month statement period from account opening. After the 6 month period, any unpaid purchases will then attract the card’s standard purchase rate (currently 13.99% p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au. 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. 1. If you pay your account in full by the due date each month. You won’t receive interest free days if you have a balance transfer. However, from 30 March 2020 you may still receive the benefit of interest-free days on purchases if you have an outstanding balance transfer, if you pay the ‘interest-free days payment’ specified on your monthly statement in full by the due date each month. For more information visit nab.com.au/btchange. 2. After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 March 2018). Interest rates are subject to change and available at nab.com.au. Interest free days on purchases do not apply while you have a balance transfer. However from 30 March 2020 you may still receive the benefit of interest-free days on purchases if you have an outstanding balance transfer, if you pay the ‘interest-free days payment’ specified on your monthly statement in full by the due date each month. For more information visit nab.com.au/btchange. Minimum monthly repayments must be made by the due date each month. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Standard balance transfer rate and term may be varied or withdrawn at any time. Credit card terms and conditions (PDF, 343KB). 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 13 November 2017 and subject to change. Credit cards issued by National Australia Bank Limited. ©2020 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.