NAB Credit Cards

National Australia Bank (NAB) offers a diverse range of credit cards to suit every kind of spender, from rewards enthusiasts to those seeking low fees or simple, no-frills banking. As one of the country’s “Big Four” banks, NAB’s credit card lineup is known for flexibility, digital convenience, and access to both rewards and security features. Here’s a fresh look at what NAB credit cards offer in 2025.

Types of NAB Credit Cards

1. Rewards Credit Cards
NAB’s rewards cards let you earn points on everyday purchases, with options to redeem for travel, shopping, cashback, and more. The NAB Rewards Signature Credit Card is a standout, offering up to 3 NAB Rewards Points per $1 spent at Webjet, and between 0.5–1.5 points per $1 on other eligible purchases. There are no international transaction fees, and you can transfer points to programs like Velocity, flybuys, and Accor Live Limitless.

2. Qantas and Velocity Partner Cards
NAB also offers cards linked to Qantas and Velocity frequent flyer programs, with generous bonus points for new cardholders. For example, the NAB Qantas Rewards Signature Card can offer up to 120,000 bonus Qantas Points, while the NAB Rewards Platinum Card can deliver up to 80,000 Velocity Points for eligible new customers.

3. Low Rate and Low Fee Cards
If you prefer simplicity and savings, the NAB Low Rate Card features a competitive 13.49% p.a. purchase rate, a $59 annual fee, and up to 55 interest-free days. It’s ideal for those who want to keep costs down and don’t need rewards. New customers can access 0% on balance transfers for up to 24 months (with a 3% transfer fee) or up to $300 cashback after meeting minimum spend requirements.

4. NAB StraightUp Credit Card
This is Australia’s first no-interest credit card, charging a flat monthly fee (from $10 to $30 depending on the credit limit) instead of interest. If you don’t use the card or have no balance, you pay nothing for that month. It’s a transparent option for those who want to avoid surprise charges.

Key Features and Benefits

  • Digital Wallet Support: All NAB credit cards work with Apple Pay, Google Pay, Samsung Pay, and popular wearables.
  • Complimentary Insurance: Many cards include travel, purchase protection, and extended warranty insurance (note: some insurance coverages and limits are changing from July 2025).
  • Fraud Protection: NAB Defence offers 24/7 monitoring for suspicious activity and emergency card assistance.
  • Flexible Rewards: Points can be redeemed for flights, gift cards, cashback, and transferred to major loyalty programs.
  • No International Transaction Fees: Select cards, like the NAB Rewards Signature, waive foreign transaction fees for global shoppers.

Important Updates for 2025

  • Fee Changes: From June 2025, late payment fees on most personal credit cards will rise from $15 to $20, and cash advance fees will increase to 3.5% or $3.50 (whichever is greater).
  • Insurance Adjustments: From July 2025, excesses and benefit limits for some complimentary insurances will change, and from May 2026, certain travel insurances will be removed or reduced on select cards.


NAB’s credit card range in Australia covers everything from high-reward travel cards to straightforward, low-cost options. With digital features, evolving benefits, and new changes for 2025, there’s a NAB card to fit every type of spender.