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The NAB Low Fee credit card costs $30/yr — one of the cheapest cards from a Big 4 bank. With a $15,000 income requirement, it is accessible for students, part-time workers, and newcomers building credit.
NAB Credit Cards at a Glance
Qantas PointsNAB Qantas Rewards Premium
1 Qantas pt/$1, 100k bonus. $295/yr. Visa acceptance.
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Why the NAB Low Fee credit card Stands Out
✓ What makes it worth it:
- Only $30 annual fee
- Low income requirement ($15,000)
- Up to 55 interest-free days
- Good for building credit with a Big 4 bank
- Visa — accepted everywhere
✗ What to consider:
- No rewards or cashback
- 20.99% purchase rate
- No complimentary insurance
- 3% foreign transaction fee
- No sign-up bonus
Verdict: Who Should Get This Card?
The NAB Low Fee is a solid entry-level card for building credit history. After 12-18 months of good repayment, you can upgrade to a rewards card. If you want $0 fee permanently, the Bankwest Zero Platinum is better.
Ready to apply? Go directly to NAB:
✓ Official NAB website • ✓ Secure application • ✓ Takes 5-10 minutes
Can I get this as my first credit card? ▼
Yes — NAB Low Fee is designed for people with limited credit history. Stable income of $15,000+ is the main requirement.
Can I upgrade later? ▼
Yes — after 12+ months of on-time payments, you can request an upgrade to NAB Rewards or NAB Qantas cards.
What credit limit will I get? ▼
Starting limits are typically $1,000–$5,000 depending on your income and credit file.
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.
