NAB Low Rate Platinum (0% p.a. on purchase interest rate for 15 months* on a new NAB Low Rate Platinum Card)

Purchase Rate
13.99% 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 15 months
  • Special Offer: 0% p.a. on balance transfers for 15 months* on a new NAB Low Rate Platinum.
  • Standard Balance Transfer Rate: 0% p.a. for 6 months. One off 2% Balance Transfer fee applies. Unpaid Balance Transfers revert to Cash Advance Rate. Minimum monthly repayments required.
  • Apply by NAB may vary or end this offer.
  • Platinum Concierge Service - your own 24 hour, 7 day personal assistant.
  • Access to seven complimentary insurances including Overseas Travel Insurance when you make an eligible purchase
  • Access to our 24/7 NAB Service Centre.
  • Up to 44 days interest free on purchases while you have a balance transfer.

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

Fee & Repayments

Annual Fee $100.00
Annual Fee First Year $100.00
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
Important Information *Offer commenced 25 February 2019. For approved applicants who apply for a new personal NAB Low Rate Platinum credit card before the offer is withdrawn. The special purchase interest rate will apply for a 15 month statement period from account opening. After 15 months period, any unpaid purchases will then attract the card’s standard purchase rate (currently 13.99% p.a. as at 25 February 2019). Interest rates are subject to change and available at 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 NAB credit card offer. 1. After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a as at 25 February 2019). Interest rates are subject to change and available at Interest free days on purchases do not apply while you have a balance transfer. 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. 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. Credit card terms and conditions available here. Fees and charges are payable. Approval and credit limit are subject to NAB's credit assessment criteria. Information, including interest rates and fees are subject to change. Correct as at 25 February 2019. ©2019 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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