{"id":9530,"date":"2024-10-17T22:20:01","date_gmt":"2024-10-17T22:20:01","guid":{"rendered":"https:\/\/www.nerdwallet.com\/au\/?page_id=9530"},"modified":"2025-04-07T22:09:54","modified_gmt":"2025-04-07T22:09:54","slug":"nab-low-rate-credit-card","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/au\/credit-cards\/nab-low-rate-credit-card","title":{"rendered":"NAB Low Rate Credit Card: 2025 Overview"},"content":{"rendered":"\n<div class=\"wp-block-group has-lightest-blue-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"nw-block nw-block-product-card wp-block-nerdwallet-blocks-product-card\">\n\t\n<div\n\tclass=\"c-keto-product-card__wrapper nwb-product-card pc__layout-v3 offer-id__9074\"\n\tid=\"nab-low-rate-credit-card\"\n\t>\n\t\n\n\t\n\n\t<div class=\"in__body\">\n\t\t\t\t\t<div class=\"in__logo-wrapper\">\n\t\t\t\t<img loading=\"lazy\" width=\"460\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/nab-low-rate-card-460x290.png\" class=\"in__logo\" alt=\"NAB Low rate credit card\" srcset=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/nab-low-rate-card-460x290.png 460w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/nab-low-rate-card-300x189.png 300w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/nab-low-rate-card-333x210.png 333w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/nab-low-rate-card-276x174.png 276w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/nab-low-rate-card-100x63.png 100w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/nab-low-rate-card-40x25.png 40w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/nab-low-rate-card-150x95.png 150w, https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/nab-low-rate-card.png 512w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t<\/div>\n\t\t\n\t\t<div class=\"in__header\">\n\t\t\t\n\t\t\t<h3 id=\"nab-low-rate-credit-card\"  class=\"in__title\">NAB Low rate credit card<\/h3>\n\t\t\t\t\t<\/div>\n\n\t\t\n<div class=\"drivers-columns-layout drivers-content drivers-columns drivers-columns-4 wp-block-nerdwallet-blocks-product-card-driver\" data-nw-product-driver-5477=\"0% p.a. on balance transfers for 28 months with 3% BT fee\" data-nw-product-driver-5459=\" 13.49% p.a.\" data-nw-product-driver-5453=\"$59\" data-nw-product-driver-5471=\"Alternative cashback offer available\">\n\t<div><label>Intro Rate<\/label><a class=\"nw-tooltip\" title=\"0% per annum for 24 months on balance transfers. Reverts to 21.74% per annum after that. 3% balance transfer fee applies.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a>\n<br>0% p.a. on balance transfers for 28 months with 3% BT fee<\/div><div><label>Purchase Rate<\/label>\n<br> 13.49% p.a.<\/div><div><label>Annual Fee<\/label>\n<br>$59<\/div><div><label>Intro Offer<\/label><a class=\"nw-tooltip\" title=\"Not interested in the promotional balance transfer (BT) offer? Apply for the cash back offer instead: $300 cashback when you spend $1,500 on purchases within 90 days from account opening. Plus, get 0% p.a. On balance transfers for 12 months with 3% balance transfer fee. Unpaid BTs revert to variable cash advance rate.\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" aria-hidden=\"true\" focusable=\"false\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M140,180a12,12,0,1,1-12-12A12,12,0,0,1,140,180ZM128,72c-22.06,0-40,16.15-40,36v4a8,8,0,0,0,16,0v-4c0-11,10.77-20,24-20s24,9,24,20-10.77,20-24,20a8,8,0,0,0-8,8v8a8,8,0,0,0,16,0v-.72c18.24-3.35,32-17.9,32-35.28C168,88.15,150.06,72,128,72Zm104,56A104,104,0,1,1,128,24,104.11,104.11,0,0,1,232,128Zm-16,0a88,88,0,1,0-88,88A88.1,88.1,0,0,0,216,128Z\"><\/path><\/svg><\/a>\n<br>Alternative cashback offer available<\/div><\/div>\n\n\n\n\n\t\t<div class=\"in__cta\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n<p class=\"\">The NAB Low Rate Card costs $59 a year, has a 13.49% APR and provides 55 interest-free days. New applicants have two welcome offers to choose from: <\/p>\n\n\n\n<ol class=\"\">\n<li class=\"\"><strong>0% on balance transfers for 24 months<\/strong> (3% transfer fee, rate reverts to 21.74% after promo period ends), or <\/li>\n\n\n\n<li class=\"\"><strong>Up to $300 cashback<\/strong> after spending $1,500 in the first 90 days, with 0% on balance transfers for 12 months (3% fee applies).<\/li>\n<\/ol>\n\n\n\t<div class=\"c-block-table-of-contents nw-table-of-contents wp-block-table-of-contents \">\n\t\t<div class=\"c-block-table-of-contents__table-wrapper c-block-table-of-contents--scrollable\">\n\t\t\t<h2 id=\"jump-to\"  class=\"c-block-table-of-contents__title\">Jump to<\/h2>\n\t\t\t<ul class=\"c-block-table-of-contents__links\">\n\t\t\t\t<li class=\"c-block-table-of-contents__link\"><a href=\"#details\">Fees, interest rates and other details<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#overview\">Basic overview<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#rewards\">Promotional offers<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#nab-balance-transfer-rules\">NAB balance transfer rules<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#our-take\">Our take<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#eligibility\">Eligibility<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#how-to-submit-an-application\">How to submit an application<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#ratings\">Customer satisfaction ratings<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#frequently-asked-questions\">Frequently asked questions<\/a><\/li>\t\t\t<\/ul>\n\t\t\t<div class=\"c-block-table-of-contents__show-more--wrapper\">\n\t\t\t\t<span class=\"c-block-table-of-contents__show-more\">\n\t\t\t\t\t<label class=\"show-more-label\" for=\"c-block-table-of-contents__show-more\">Show more<\/label>\n\t\t\t\t\t<label class=\"hide-more-label\" for=\"c-block-table-of-contents__show-more\">Show less<\/label>\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"details\">Fees, interest rates and other details<\/h2>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tablepress\"><div class=\"c-tablepress-table-wrapper\" style=\"overflow-x: auto;\">\n<table id=\"tablepress-79\" class=\"tablepress tablepress-id-79\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><strong>Feature<\/strong><\/th><th class=\"column-2\"><strong>NAB Low Rate Card<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><strong>Annual fee<\/strong><\/td><td class=\"column-2\">$59.<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><strong>(Variable) purchase rate<\/strong><\/td><td class=\"column-2\">13.49% per annum.<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><strong>(Variable) cash advance rate<\/strong><\/td><td class=\"column-2\">21.74% per annum.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><strong>Balance transfer revert  rate<\/strong><\/td><td class=\"column-2\">21.74% per annum.<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><strong>Minimum credit limit<\/strong><\/td><td class=\"column-2\">$1,000.<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><strong>Interest-free days on purchases<\/strong><\/td><td class=\"column-2\">Up to 55 days.<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><strong>Additional cardholders<\/strong><\/td><td class=\"column-2\">Free (applicants must be at least 16 years old).<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><strong>Card network<\/strong><\/td><td class=\"column-2\">Visa.<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><strong>Intro offers<\/strong><\/td><td class=\"column-2\"><strong>Balance transfer offer:<\/strong> 0% interest for 24 months with a 3% transfer fee.<br \/>\n<br \/>\n<strong>Cashback and balance transfer offer:<\/strong> <br \/>\nEarn up to $300 in cashback when you spend at least $1,500 in the first 90 days. Plus, get 0% on balance transfers for the first 12 months, with a 3% transfer fee.<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><strong>Rewards program<\/strong><\/td><td class=\"column-2\">The NAB Low Rate Card doesn\u2019t earn rewards. <\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\"><strong>Included insurance<\/strong><\/td><td class=\"column-2\">No complimentary insurances.<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><strong>Benefits<\/strong><\/td><td class=\"column-2\">\u2022 Fraud and theft protection with NAB Defense.<br \/>\n\u2022 24\/7 emergency assistance if the card is lost or stolen.  <br \/>\n\u2022 Access to Visa Entertainment, a discount platform with deals on events, shows, experiences and more.<br \/>\n\u2022 Digital wallet capabilities through Apple Pay, Google Pay,  Samsung Pay, Apple Watch, Fitbit and Garmin Pay.<br \/>\n\u2022 Access to lower annual fees and bonus rewards for existing NAB customers. But remember, you cannot transfer a balance to the NAB Low Rate credit card from another NAB-branded credit card.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"overview\">Basic overview<\/h2>\n\n\n\n<p class=\"\">The NAB Low Rate Card comes with a lower rate on purchases (13.49%), two balance transfers offers for new cardholders and access to deals via the Visa Entertainment platform, but doesn\u2019t offer traditional rewards like points or ongoing cash back, nor does it offer complimentary insurance.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-to-get-a-credit-card\">How to get a credit card in Australia<\/a><\/p>\n\n\n\n<h3 id=\"understanding-the-annual-fees-value\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:300\">Understanding the annual fee&#8217;s value<\/h3>\n\n\n\n<p class=\"\">The NAB Low Rate Card\u2019s $59 annual fee is lower than the average for a low-rate card, according to NerdWallet\u2019s analysis of over 100 Australian credit cards. But, it doesn\u2019t earn traditional rewards, like points or cash back on everyday spending, so there are fewer opportunities to offset the annual fee.<\/p>\n\n\n\n<p class=\"\">If you choose the 0% for 24 months balance transfer welcome offer, savings made by moving a balance from a higher interest card may help cover some of the fee. &nbsp;<\/p>\n\n\n\n<p class=\"\">If you choose the cash back and balance transfer offer, the $300 bonus can help offset the annual fee for about five years \u2014 just note the $1,500 minimum spend required to earn the bonus.&nbsp;<\/p>\n\n\n\n<p class=\"\">Any savings made from the Visa Entertainment platform can help cover some of the cost.&nbsp;<\/p>\n\n\n\n<p class=\"\">Don\u2019t forget, the annual fee will be applied to your account each year, regardless of any savings you earn through cash back or discount platforms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rewards\">Promotional offers<\/h2>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\"><div class=\"c-block-tabs-wrapper \">\n\t<div role=\"tablist\" aria-label=\"Tabs\" class=\"c-block-tabs\">\n\t\t\t\t\t<div class=\"c-block-tabs__tab c-block-tabs__tab--active\"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"true\"\n\t\t\t\t aria-controls=\"0\"\n\t\t\t\t id=\"tab-0\"\n\t\t\t\t data-tabid=\"0\">Balance transfer offer<\/div>\n\t\t\t\t\t\t<div class=\"c-block-tabs__tab \"\n\t\t\t\t role=\"tab\"\n\t\t\t\t aria-selected=\"false\"\n\t\t\t\t aria-controls=\"1\"\n\t\t\t\t id=\"tab-1\"\n\t\t\t\t data-tabid=\"1\">Cash back + balance transfer offer<\/div>\n\t\t\t\t<\/div>\n\n\t<div class=\"c-block-tabs-all\">\n\t\t\n<div class=\"wp-block-nerdwallet-blocks-tabs\">\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"0\" role=\"tabpanel\" aria-labelledby=\"tab-0\">\n<div class=\"wp-block-group has-lightest-blue-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 id=\"balance-transfer-offer-for-new-cardholders\"  class=\"wp-block-heading\">Balance transfer offer for new cardholders:<\/h3>\n\n\n\n<p class=\"\">0% interest on balance transfer for up to 24 months, with a 3% transfer fee.&nbsp;<\/p>\n<\/div>\n\n\n\n<h4 id=\"what%e2%80%99s-the-welcome-offer-worth\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:400\">What\u2019s the welcome offer worth?<\/h4>\n\n\n\n<p class=\"\">You may be able to save money if you move a balance from a card with a higher interest rate.&nbsp;<\/p>\n\n\n\n<p class=\"\">For example, in the following scenario, moving a balance of $5,000 can save you roughly $1,180, which can help cover the annual fee for many years.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-table is-style-stripes\" style=\"padding-top:var(--wp--preset--spacing--40)\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>Option 1: 0% for 24 months (3% fee)<\/strong><\/td><td><strong><strong>Option 2:<\/strong> <strong>Card with 21% APR<\/strong><\/strong><\/td><\/tr><tr><td><strong>Balance<\/strong><\/td><td>$5,000.<\/td><td>$5,000.<\/td><\/tr><tr><td><strong>Monthly payment<\/strong><\/td><td>$215.<\/td><td>$215.<\/td><\/tr><tr><td><strong>Pay off period<\/strong><\/td><td>24 months.<\/td><td>30 months.<\/td><\/tr><tr><td><strong>Transfer fees<\/strong><\/td><td>$150.<\/td><td>$0.<\/td><\/tr><tr><td><strong>Interest accrued<\/strong><\/td><td>$0.<\/td><td>$1,330.<\/td><\/tr><tr><td><strong>Total amount spent<\/strong><\/td><td>$5,150.<\/td><td>$6,330.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"is-style-stripes\"><strong>Note: <\/strong>These calculations don\u2019t account for additional fees. Our example is for illustrative purposes only. You should always make at least the minimum payment set out on your credit card statement.<\/p>\n<\/div>\n\n\n\n<h3 id=\"understanding-the-balance-transfer-offer\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:400\">Understanding the balance transfer offer<\/h3>\n\n\n\n<p class=\"\">This offer is only available to new cardholders. A 3% transfer fee is applied to each transfer, and becomes part of the transferred balance.&nbsp;<\/p>\n\n\n\n<p class=\"\">If the transfer is made within 30 days of opening the account, you can move up to 90% of your new credit limit. That means if your credit limit is $5,000, you can move up to $4,500 (including fees). If you submit a transfer after 30 days of opening the account, you can move up to 100% of the credit limit. The downside to waiting 30 days for the 100% limit is that you\u2019ll have one less month at the promotional rate, which means you\u2019ll need to make higher repayments throughout the promotion.&nbsp;<\/p>\n\n\n\n<p class=\"\">The promotional interest rate (0%) is only valid for 24 months, after which, the balance transfer revert rate (21.74%) applies. Therefore, if you don\u2019t pay off the debt in full by this time, any remaining balance will be subject to a much higher rate.&nbsp;<\/p>\n\n\n\n<p class=\"\">To retain the 0% interest rate on your <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/what-is-a-balance-transfer-credit-card\">balance transfer<\/a>, you must pay the minimum monthly amount by your <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-to-read-your-credit-card-statement\">statement<\/a> due date each month, as well as meet any other credit card terms and conditions.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-tabs-content c-block-tabs-content\" data-tabid=\"1\" role=\"tabpanel\" aria-labelledby=\"tab-1\">\n<div class=\"wp-block-group has-lightest-blue-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 id=\"cash-back-and-balance-transfer-offer-for-new-cardholders\"  class=\"wp-block-heading\">Cash back and balance transfer offer for new cardholders:<\/h3>\n\n\n\n<p class=\"\">$300 cash back, plus 0% on balance transfers for 12 months (3% fee applies).<\/p>\n<\/div>\n\n\n\n<p class=\"\">Get up to $300 cash back when you spend at least $1,500 in the first 90 days of card ownership. If you meet the requirements, the cash back will be credited to your card within 120 days of opening the account.&nbsp;<\/p>\n\n\n\n<h3 id=\"what%e2%80%99s-the-welcome-offer-worth\"  class=\"wp-block-heading\">What\u2019s the welcome offer worth?<\/h3>\n\n\n\n<p class=\"\">The $300 cash back portion of the welcome offer can help cover the $59 annual fee for several years.<\/p>\n\n\n\n<p class=\"\">The balance transfer portion can also help save you money if you need to move a large balance from a card with a higher interest rate.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"\">For example, in the following scenario, moving a balance of $5,000 can save you roughly $380, which can help cover the annual fee for several years.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\" style=\"padding-top:var(--wp--preset--spacing--40)\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>Option 1: 0% for 12 months (3% fee)<\/strong><\/td><td><strong><strong>Option 2:<\/strong> <strong>Card with 21% APR<\/strong><\/strong><\/td><\/tr><tr><td><strong>Balance<\/strong><\/td><td>$5,000.<\/td><td>$5,000.<\/td><\/tr><tr><td><strong>Monthly payment<\/strong><\/td><td>$430.<\/td><td>$430.<\/td><\/tr><tr><td><strong>Pay off period<\/strong><\/td><td>12 months.<\/td><td>13 months.<\/td><\/tr><tr><td><strong>Transfer fees<\/strong><\/td><td>$150.<\/td><td>$0.<\/td><\/tr><tr><td><strong>Interest accrued<\/strong><\/td><td>$0.<\/td><td>$530.<\/td><\/tr><tr><td><strong>Total amount spent<\/strong><\/td><td>$5,150.<\/td><td>$5,530.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n<\/div>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 id=\"nab-balance-transfer-rules\"  class=\"wp-block-heading\">NAB balance transfer rules<\/h2>\n\n\n\n<p class=\"\">Before choosing the balance transfer offer, it\u2019s important to know the rules of how balance transfers work at NAB.<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>Transfer limits: <\/strong>You can move up to 90% of the credit limit within 30 days of opening the account. The limit is increased to 100% after 30 days. The transfer limit applies to the balance you are moving, as well as any transfer fees.&nbsp;<\/li>\n\n\n\n<li class=\"\"><strong>Eligible cards<\/strong>: You cannot transfer balances from other NAB-branded cards, or alongside other NAB offers. Plus, your card\u2019s BPAY reference number must be the same as the card number for the transfer to work, which may not be the case for cards issued by AMEX, ING, Latitude Financial, Heritage Bank, Bendigo Bank and others. You can find your BPAY number on your credit card statement.&nbsp;<\/li>\n\n\n\n<li class=\"\"><strong>Interest-free days:<\/strong> NAB offers 55 interest-free days on new purchases, however you must pay your bill in full by the due date to retain this feature.&nbsp;<\/li>\n\n\n\n<li class=\"\"><strong>Eligible customers<\/strong>: Only new cardholders are eligible for this offer, including existing NAB customers who do not yet have this particular card. But remember, you cannot transfer a balance from a NAB-branded card.&nbsp;&nbsp;<\/li>\n\n\n\n<li class=\"\"><strong>Transfer fees<\/strong>: A 3% transfer fee is applied to each transfer, which is included in&nbsp;your new balance.&nbsp;<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 id=\"our-take\"  class=\"wp-block-heading\">Our take<\/h2>\n\n\n\n<p class=\"\">The below pros and cons are based in part on NerdWallet\u2019s editorial expertise and data collected from over 100 Australian credit cards.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top has-lightest-green-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-lightest-green-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 id=\"pros\"  class=\"wp-block-heading\">Pros<\/h3>\n\n\n\n<ul class=\"\">\n<li class=\"\">Two substantial welcome offers for new cardholders:\n<ul class=\"\">\n<li class=\"\">0% on balance transfers for 24 months (3% transfer fee).<\/li>\n\n\n\n<li class=\"\">Up to $300 cash back in the first 90 days of opening the account when you spend at least $1,500, and 0% on balance transfers for 12 months (3% fee applies).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li class=\"\">Up to 55 interest-free days on new purchases.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top has-lightest-red-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-lightest-red-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 id=\"cons\"  class=\"wp-block-heading\">Cons<\/h3>\n\n\n\n<ul class=\"\">\n<li class=\"\">No complimentary insurances, like travel or car rental coverage.<\/li>\n\n\n\n<li class=\"\">No ongoing rewards program like points of cash back on everyday purchases.<\/li>\n\n\n\n<li class=\"\">Higher foreign transaction fee than average (3.5%), which can rack up costs if you plan to use the card regularly abroad.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"eligibility\">Eligibility<\/h2>\n\n\n\n<h3 id=\"who-may-be-eligible\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:300\">Who may be eligible?<\/h3>\n\n\n\n<p class=\"\">To apply for NAB Low Rate Card, you need to:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">be at least 18 years old<\/li>\n\n\n\n<li class=\"\">have a regular income<\/li>\n\n\n\n<li class=\"\">be an Australian resident<\/li>\n\n\n\n<li class=\"\">be a citizen of Australia or New Zealand, or hold the appropriate Visa or permanent residency documents.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-lightest-blue-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 id=\"who-might-be-suited-to-this-card\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:300\">Who might be suited to this card?<\/h3>\n\n\n\n<p class=\"\">According to NAB\u2019s Target Market Determination (TMD)<a href=\"#sources\" class=\"js-scroll-to\" rel=\"nofollow noopener noreferrer\" target=\"_self\">[1]<\/a>, the NAB Low Rate Card is designed for customers who:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">want a basic low interest rate credit card for everyday spending or large household purchases and to flexibly manage their monthly spending<\/li>\n\n\n\n<li class=\"\">require a minimum credit amount of $1,000<\/li>\n\n\n\n<li class=\"\">have access to sufficient income to satisfy NAB\u2019s credit assessment requirements and to meet the following payments:\n<ul class=\"\">\n<li class=\"\">minimum monthly repayments<\/li>\n\n\n\n<li class=\"\">annual fee<\/li>\n\n\n\n<li class=\"\">low interest rate<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li class=\"\">want to manage and reduce the interest on their credit card.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"who-might-not-be-suited-to-this-card\"  class=\"wp-block-heading\" style=\"font-style:normal;font-weight:300\">Who might not be suited to this card? <\/h3>\n\n\n\n<p class=\"\">Based on the above TMD, the NAB Low Rate Card is not designed for customers who require a credit card with:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">a lower annual fee<\/li>\n\n\n\n<li class=\"\">access to rewards points<\/li>\n\n\n\n<li class=\"\">access to complimentary insurances.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 id=\"how-to-submit-an-application\"  class=\"wp-block-heading\">How to submit an application<\/h2>\n\n\n\n<p class=\"\">To complete the <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-to-apply-for-a-credit-card\">credit card application<\/a> online, you will need:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">a form of ID, such as an Australian driver\u2019s licence or passport<\/li>\n\n\n\n<li class=\"\">employment details that cover the last three years, as well as proof of income, such as&nbsp;payslips and bank statements.&nbsp;<\/li>\n\n\n\n<li class=\"\">financial information, such as income, existing debt and expenses.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Complete the online application by clicking \u2018Apply now\u2019 on the card\u2019s landing page, and select the welcome offer you wish to redeem. The online application takes roughly 15 minutes. You may be asked to provide additional documents while your application is being reviewed. The physical card will arrive within five to seven working days if you are approved.&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/how-long-to-get-a-credit-card\">How long does it take to get a credit card?<\/a><\/p>\n\n\n\n<div class=\"wp-block-group has-background-yellow-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"ratings\">Customer satisfaction ratings<\/h2>\n\n\n\n<p class=\"\"><em><strong>Note:<\/strong> Customer review websites can be insightful, but keep in mind that the reviews may not accurately reflect the average experience; for example, unhappy customers may be overrepresented in these reviews. Products also change over time, and reviews may reflect experiences with features and benefits that are no longer available. Nevertheless, these sites are just one way to learn more about the company and the products on offer before you make a decision.<\/em><\/p>\n\n\n\n<p class=\"\">As of this writing: <\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Based on over 360 <a href=\"https:\/\/www.trustpilot.com\/review\/www.nab.com.au\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Trustpilot reviews<\/a>, NAB scored: <strong>1.5 out of 5 stars.<\/strong><\/li>\n\n\n\n<li class=\"\">Based on over 17 ratings from <a href=\"https:\/\/www.productreview.com.au\/listings\/nab-low-rate-visa\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Product Review<\/a>,&nbsp;the NAB Low Rate Card scored: <strong>3.1 out of 5 stars.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"\"><em>NerdWallet does not endorse the above scores or reviews and provides them for illustrative purposes only.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-faq c-block-faq\" id=\"faqs\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div class=\"c-block-faq__wrapper\"><div class=\"c-block-faq__header\"><h2 id=\"frequently-asked-questions\"  class=\"c-block-faq__title\">Frequently asked questions<\/h2><\/div><div class=\"c-block-faq__section-list\">\n<div class=\"wp-block-nerdwallet-blocks-faq-section\"><div class=\"c-block-faq-section c-block-accordion-wrapper\"><div class=\"c-block-accordion-list\">\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">What is the NAB Low Rate Card minimum credit limit?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">The minimum credit limit for the NAB Low Rate Card is $1,000.&nbsp;<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">What is considered a low rate credit card?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">In general, NerdWallet Australia considers a credit card with a standard purchase interest rate under 15% to be \u2018low rate\u2019.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-citation wp-block-nerdwallet-blocks-accordion\" id=\"sources\">\n\t<div class=\"c-block-accordion-wrapper\">\n\t\t<div class=\"c-block-accordion__header\">\n\t\t\t<h2 id=\"article-sources\"  class=\"c-block-accordion__title\">\n\t\t\t\tArticle Sources\t\t\t<\/h2>\n\t\t<\/div>\n\t\t<div class=\"c-block-accordion-list\">\n\t\t\t<div class=\"c-block-accordion-item c-block-accordion-item--active c-block-accordion-item--opened\">\n\t\t\t\t<div class=\"c-block-accordion-item__header\">\n\t\t\t\t\t<div class=\"c-block-accordion-item__title\">\n\t\t\t\t\t\tWorks Cited\t\t\t\t\t<\/div>\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c-block-accordion-item__content\">\n\t\t\t\t\t<div class=\"wp-block-nerdwallet-blocks-accordion-item\">\n\t\t\t\t\t\t<ol class=\"card-citation-lists\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"citation-list-item\">\n\t\t\t\t\t\t\t\t\t<div class=\"citation-list-item__wrapper\">\n\t\t\t\t\t\t\t\t\t\t<span>NAB<\/span>, &#8220;<a href=\"https:\/\/www.nab.com.au\/content\/dam\/nabrwd\/documents\/guides\/finance\/tmd-nab-low-rate-card.pdf\" rel=\"nofollow noopener noreferrer\" target=\"_blank\">NAB Target Market Determination<\/a>,&#8221; accessed April 7, 2025.\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ol>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"nwb-authors nwb-authors__footer wp-block-nerdwallet-blocks-authors-card\">\n\t<div class=\"nwb-authors__wrapper\">\n\t\t<h4 id=\"about-the-author\"  class=\"nwb-authors__title\">\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t<div class=\"nwb-authors__content\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\">\n\t\t\t\t\t\t<img\n\t\t\t\t\t\t\tclass=\"nwb-authors__image\"\n\t\t\t\t\t\t\tsrc=\"https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=75&#038;d=mm&#038;r=g\"\n\t\t\t\t\t\t\twidth=\"120\" height=\"120\"\n\t\t\t\t\t\t\talt=\"Georgia Rose photo\"\n\t\t\t\t\t\t\/>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t<div>\n\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\">\n\t\t\t\t\t\t<strong>Georgia Rose<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t<div class=\"nwb-authors__bio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated&hellip;<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" title=\"Read more about Georgia Rose\">\n\t\t\t\t\t\t\t<span>Read more about Georgia Rose and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 id=\"dive-even-deeper\"  class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-9226\" class=\"c-block-card post-9226 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-balance-transfer-credit-cards cluster-best-balance-transfer-cards\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/best-balance-transfer-credit-cards\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"244\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/best-balance-transfer-credit-cards-e1726786104298-460x244.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Best Balance Transfer Credit Cards\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"best-balance-transfer-credit-cards\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/best-balance-transfer-credit-cards\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBest Balance Transfer Credit Cards\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Using a balance transfer card can help you pay off debt faster, but ignoring the terms can lead to high interest rates and fees \u2014\u00a0and, potentially, even more debt than you had in the first place.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-9226 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-6681\" class=\"c-block-card post-6681 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-no-annual-fee-credit-cards cluster-no-annual-fee-credit-card-reviews\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/commbank-low-fee-credit-card-review\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"428\" height=\"271\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/commbank-low-rate.png\" class=\"c-block-card__image wp-post-image\" alt=\"CommBank Low Fee Credit Card: 2025 Overview\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"commbank-low-fee-credit-card-2025-overview\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/commbank-low-fee-credit-card-review\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tCommBank Low Fee Credit Card: 2025 Overview\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>The CommBank Low Fee credit card costs $3 per month, unless you spend $300 per billing cycle, reducing the fee to $0.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-6681 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-9403\" class=\"c-block-card post-9403 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-balance-transfer-credit-cards cluster-balance-transfer-credit-card-reviews\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/anz-low-rate-credit-card\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2024\/09\/ANZLowRateCard-460x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"ANZ Low Rate Credit Card: 2025 Overview\u00a0\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"anz-low-rate-credit-card-2025-overview%c2%a0\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/anz-low-rate-credit-card\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tANZ Low Rate Credit Card: 2025 Overview\u00a0\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>The ANZ Low Rate credit card ($58 annual fee, 13.74% on purchases) offers new cardholders a choice of 0% on balance transfers for 30 months or a $250 credit bonus.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-9403 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-4104\" class=\"c-block-card post-4104 page type-page status-publish has-post-thumbnail hentry content-classification-credit-cards topic-rewards-credit-cards cluster-rewards-credit-card-reviews\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/nab-rewards-signature-credit-card-overview\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/au\/wp-content\/uploads\/sites\/3\/2023\/11\/NAB-Rewards-Signature-460x290.png\" class=\"c-block-card__image wp-post-image\" alt=\"NAB Rewards Signature Credit Card: 2025 Overview\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"nab-rewards-signature-credit-card-2025-overview\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/au\/credit-cards\/nab-rewards-signature-credit-card-overview\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tNAB Rewards Signature Credit Card: 2025 Overview\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>The NAB Rewards Signature Credit Card costs $24 per month (equal to $288 annually), earns up to 3 NAB Rewards Points on eligible purchases, and comes with complimentary insurances.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/au\/author\/georgia-rose\" class=\"author url fn\" rel=\"author\"><img alt='Georgia Rose profile photo' decoding=\"async\" src='https:\/\/secure.gravatar.com\/avatar\/6b9e515bc45988c863ac8ac39e7bdd34?s=32&#038;d=mm&#038;r=g' class='avatar avatar-32 photo' height='32' width='32' \/>Georgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-4104 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>The NAB Low Rate Card is a simple, low-rate option that doesn\u2019t earn rewards, but offers generous balance transfer and cashback promotions to new customers.<\/p>\n","protected":false},"author":4,"featured_media":9072,"parent":159,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[4],"topic":[106],"cluster":[124],"pp_author":[225],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - 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