Important disclosure

National Australia Bank Limited

NAB Low Rate Card

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

Balance Transfer

0% p.a. for 28 months on balance transfers.
Purchase Rate

13.49%

p.a

Balance Transfer Rate

0%

p.a

RateCity says

“A low rate credit card that offers a high amount of interest-free days, so you can spend with peace of mind.”

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

13.49%

p.a

Balance Transfer Rate

0%

p.a

Annual Fee

$0

for 12 months then $59 thereafter

Pros and cons

For Low Rate Card

Benefits

  • Lower than average ongoing variable purchase rate
  • $0 annual fee in the first 12 months and $59 p.a thereafter.
  • Apple Pay, Google Pay and Samsung Pay available

Drawbacks

  • No reward program
  • Does not offer free supplementary cards

NAB Rate Credit card overview

For Low Rate Card

Details

Card Level

Standard

Card Type

Visa

Interest Free Days

55

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

$0

for 12 months then $59 thereafter

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

13.49%

p.a

Cash advance rate

21.74%

Cash advance fee

3% or $3

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

90%

Minimum monthly repayments required.

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

Specials
  • Balance Transfer 0% p.a. for 28 months on balance transfers.

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

Balance Transfer

0% p.a. for 28 months on balance transfers with 3% balance transfer fee and $0 annual fee in first year.*
Purchase Rate

13.74%

p.a

Annual Fee

$0

for 12 months then $58 thereafter

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  • Apple & Google Pay
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p.a

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  • Apple, Google & Samsung Pay
  • Balance transfer
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Get $250 back to your new card when you spend $1,500 on eligible purchases in the first 3 months from approval.
Purchase Rate

13.74%

p.a

Annual Fee

$58

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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