NAB credit cards

No. You can apply for a card from NAB and, if approved, keep it separate from your existing bank. There is no need to switch banks.

NAB has a large number of offers, with each tailored towards a different need.

Balance transfers: Many of NAB’s credit cards feature a low or 0% balance transfer interest rate, for periods which can range from the first six months to much longer periods when special offers are available.

Rewards points: NAB’s range of credit cards includes packages that offer great rewards giving you the chance to earn points on everyday transactions and redeem them for a wide selection of products and services. Options include NAB’s in-house program, NAB Rewards, as well as cards which earn Qantas Frequent Flyer points.

NAB Rewards points can be exchanged for merchandise from an online catalogue, travel, retail gift cards, and frequent flyer points with four partner airline programs: Virgin Australia Velocity Frequent Flyer, Air New Zealand Airpoints, Singapore Airlines KrisFlyer and Asia Miles.

NAB also offers cards with low interest rates on purchases, a low annual fee card, and a range of cards for businesses.

With a NAB rewards credit card, you earn points on everyday purchases, but there is often an opportunity to earn bonus points when you use your card for transactions with each reward scheme’s partner companies.

Some cards also have a large number of bonus points as an introductory offer.

New customers can transfer balances from either one or two cards from other providers. Existing NAB cardholders don’t need to apply for a new credit card to transfer a balance, although the balance transfer interest rate may be higher than the promotional introductory rate for balance transfers offered to new customers.

There may be an upfront balance transfer fee to pay. Check the details for the card before you apply for a balance transfer.

Apart from NAB, most other banks offer balance transfers. Check out our balance transfer comparison to check NAB's offers against various others.

Your NAB identification number (NIN) is the eight-digit number printed on the reverse of your credit card. Every NAB customer has a unique identification number, used in online and telephone banking and when contacting the NAB service centre, to enable transactions and improve security.

You can authorise transactions on your NAB card by using your NIN for telephone or internet transactions, your input PIN at retail checkouts and ATMs, or with contactless technology for transactions under $100 at participating outlets.

Once you have your card and NIN, you can set up internet and telephone banking, which will allow access to your account with your NIN and password in order to move money, pay bills and generally manage your account and card.

Credit card customers may request a credit limit increase. When a request is made, NAB will consider the customer’s credit history and financial circumstances before making a decision, and will also ensure that the customer is aware of the implications of an increase. NAB also allows customers to reduce their credit limit to help manage debts.

Yes. If you already have a Qantas Frequent Flyer membership, you can link it to a new NAB card. If you’re not a QFF member, you will need to become one so that you can receive Qantas points. NAB occasionally offers free Qantas membership with certain card offers.

To apply, you need:

• Your email address for NAB to contact you regarding your application;
• Your income and expense details;
• Your employer’s contact details;
• If you are self-employed, your accountant’s contact information;
• Details of your debts and property;
• An identification document such as your driver’s licence or passport.

You will be given a response online within 60 seconds. If approved, you will usually receive your new NAB credit card by post within 5-10 business days.

Yes. All NAB cards have contactless technology that allows payments to be made, without swiping or inserting the card, for transactions below $100. Simply tap or present the card in front of the contactless POS terminal. Cardholders must provide a PIN or signature for purchases over $100, or at stores that do not support contactless smart cards.