Important disclosure

National Australia Bank Limited

NAB Low Fee Card

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee
  • Instant approval

Balance Transfer

0% p.a. on balance transfers for 12 months (3% BT fee applies).
Purchase Rate

19.74%

p.a

Balance Transfer Rate

0%

p.a

RateCity says

“Wanting to keep ongoing costs down with your credit card? This low fee offering comes with a low annual fee and high amount of interest-free days.”

Tags
  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee
  • Instant approval
Purchase Rate

19.74%

p.a

Balance Transfer Rate

0%

p.a

Annual Fee

$30

Pros and cons

For Low Fee Card

Benefits

  • Lower than average annual fee
  • Apple Pay, Google Pay and Samsung Pay available
  • Free supplementary cards
  • Purchase protection insurance

Drawbacks

  • Higher than average ongoing variable purchase rate
  • No reward program

NAB Rate Credit card overview

For Low Fee Card

Details

Card Level

Standard

Card Type

Visa

Interest Free Days

44

Minimum monthly repayment

2% or $25

Minimum credit limit

$1k

Maximum credit limit

No set max

Free supplementary cards

Instant Approval

Target Market Determination

Visit National Australia Bank Limited to view Target Market Determination.

Fees

Annual Fee

$30

Annual Fee Spend Waiver

Supplementary card annual fee

$0

Late Payment Fee

$15

Over limit fee

$0

Duplicate statement fee

$7

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

19.74%

p.a

Cash advance rate

21.74%

Cash advance fee

3% or $3

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

No set max

Balance Transfer Fee

3%

Overseas spending

Foreign Exchange Fee

3% on Visa

Overseas charges

$5

Estimated ATM Cost

$14

for AU $300 withdrawal

Rewards

Program name

Rewards Available

-

Eligibility

Minimum age

18

Minimum income

Eligibility conditions

-

Residency

Perks

  • FREE SUPPLEMENTARY CARDS Supplementary cardholder must be over 16 years of age
  • PURCHASE PROTECTION INSURANCE Cover lasts for 62 days per year
Specials
  • Balance Transfer 0% p.a. on balance transfers for 12 months (3% BT fee applies).
  • Cashback $200 cashback when you spend $1,500 on purchases within 90 days from account opening
    T & C applies.

Promoted credit cards

Promoted

Longer Balance Transfer

Low Rate Card

  • Balance transfer
  • Low annual fee
Purchase Rate

11.99%

p.a

Annual Fee

$0

for 12 months then $49 thereafter

Promoted

Lower Purchase Rate

Black Card

  • Apple & Google Pay
  • Balance transfer
  • No annual fee

special

Earn $300 Kogan.com credit
Purchase Rate

0.00%

p.a

for up to 9 months, then 20.99%

Annual Fee

$0

Promoted

Lower Annual Fee

First

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

Cashback

Earn $125 back to your new ANZ First card when you spend $750 on eligible purchases in the first 3 months from approval, plus $0 annual fee in the first year.*T&Cs apply.
Purchase Rate

20.99%

p.a

Annual Fee

$0

for 12 months then $30 thereafter

Promoted

More Free Days

Lifestyle

  • Apple & Google Pay
  • Balance transfer
  • No annual fee
Purchase Rate

4.99%

p.a

for up to 5 months, then 12.84%

Annual Fee

$0