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The NAB Low Rate credit card charges 13.49% p.a. with a 0% balance transfer for 28 months. At $59/yr, it competes directly with CommBank and Westpac low-rate cards — strong for debt consolidation.
NAB Credit Cards at a Glance
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1 Qantas pt/$1, 100k bonus. $295/yr. Visa acceptance.
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Why the NAB Low Rate credit card Stands Out
✓ What makes it worth it:
- 13.49% p.a. ongoing rate
- 0% balance transfer for 28 months
- $59 annual fee
- Up to 55 interest-free days
- Manage via NAB app
✗ What to consider:
- No rewards or cashback
- 2% balance transfer fee
- No complimentary insurance
- 3% foreign transaction fee
Verdict: Who Should Get This Card?
The NAB Low Rate is strong for balance transfers — 28 months at 0% is the second-longest in Australia (behind Westpac’s 32 months). If you want the absolute longest 0% period, see the balance transfer guide. For the lowest ongoing rate, ANZ Low Rate at 12.49% wins.
Ready to apply? Go directly to NAB:
✓ Official NAB website • ✓ Secure application • ✓ Takes 5-10 minutes
How does 28 months compare to other banks? ▼
Westpac offers 32 months (longest), NAB 28 months (second), CommBank 22 months. All charge a 2% transfer fee.
Can I make purchases during the BT period? ▼
Yes, but purchases accrue interest at 13.49% unless you pay the full balance. Prioritise clearing the transfer.
What’s the minimum transfer amount? ▼
NAB requires a minimum $500 balance transfer. Maximum is typically 80% of your credit limit.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the NAB website before applying.
