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NAB

NAB Low Rate Card

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Balance Transfer

0% p.a. for 32 months on balance transfers. No annual fee in the first year.

Unpaid Balance Transfers revert to Cash Advance Rate. Minimum monthly repayments and T&Cs apply.

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

Purchase Rate

Purchase Rate

12.99

% p.a

Balance Transfer Rate

Balance Transfer Rate

0

% p.a

for 32 months then 21.74%

Annual Fee

Annual Fee

$0

for 12 months then $59

Max Free Days

Max Free Days

55

Late Payment Fee

$15

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Purchase Rate

Purchase Rate

12.99

% p.a

Balance Transfer Rate

Balance Transfer Rate

0

% p.a

for 32 months then 21.74%

Annual Fee

Annual Fee

$0

for 12 months then $59

Max Free Days

Max Free Days

55

Late Payment Fee

$15

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Quick credit card review

For Low Rate Card

These are the benefits of this credit card.

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

These are the drawbacks of this credit card.

  • No reward program
  • Does not offer free supplementary cards

TMD

Credit card overview

For Low Rate Card

TMD

Details

Card Level

Standard

Card Type

Visa

Interest Free Days

Interest Free Days

55

Minimum monthly repayment

2% or $25

Minimum credit limit

$1k

Maximum credit limit

No set max

Free supplementary cards

Number free supplementary

1

Instant Approval

Fees

Annual Fee

Annual Fee

$0

for 12 months then $59

Annual Fee Spend Waiver

Supplementary card annual fee

$0

Late Payment Fee

$15

Over limit fee

$0

Duplicate statement fee

$7

TMD

Electronic Wallet Service

TMD

Important Rates

Rates

Purchase Rate

Purchase Rate

12.99

% p.a

Cash advance rate

21.74%

Cash advance fee

2% or $2.5

Balance Transfer

Balance Transfer Rate

Balance Transfer Rate

0

% p.a

for 32 months then 21.74%

Transfer Limit

90%

Minimum monthly repayments required.

Balance Transfer Fee

$0

TMD

Overseas spending

Foreign Exchange Fee

3% on Visa

Overseas charges

Overseas charges

$5

Estimated ATM Cost

$14

for AU $300 withdrawal

Rewards

Program name

Rewards Available

Eligibility

Minimum age

18

Minimum income

$0

Eligibility conditions

Residency

TMD

Specials
  • Balance Transfer 0% p.a. for 32 months on balance transfers. No annual fee in the first year.
    Unpaid Balance Transfers revert to Cash Advance Rate. Minimum monthly repayments and T&Cs apply.

Target Market Determination

Visit NAB to view Target Market Determination.

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