NAB Low Rate Business Card

credit card

Low Rate Business Card is a credit card from NAB, as the bank publishes it in its product data. Its purchase rate is 13.99% and its card fee $60 a year (first year free). It ranks 10th of 13 issuers for a business card by lowest purchase rate.

What the feed states

Purchase rate

13.99%

Introductory purchase rate

0.00% for the first 12 months

Cash advance rate

13.99%

Interest-free days

up to 55

Card fee

$60 a year (first year free) (Annual Card Fee)

Fee offer

Waive Card Fee

Foreign transaction fee

3% of the transaction

Complimentary insurance

Unauthorised Transaction Insurance

Digital wallets

Apple Pay, Google Pay, Samsung Pay, Garmin Pay

Additional cardholders

up to 1000

Credit limit

$1,000 to $18,000,000

Minimum age

18

Scheme

Visa

Conditions and offers

• 0.00% on purchases for the first 12 months, then the purchase rate
• no card fee in the first year, as the feed's discount states
• credit limit $1,000 to $18,000,000
• late payment fee $15
• cash advance fee 3%, minimum $3
• the $75,000 turnover minimum applies only to businesses new to NAB
• online: ABN registered 12 months or more; sole traders, partnerships of up to two, companies of up to five directors or trustees of eligible funds
• $60 card fee waived for the first 12 months from when the facility opens

Who can apply, in the bank's words

• min turnover: 75000.00
• Have 12 months of business financial data.
• Registered for GST
• Have a valid ABN/ACN

About this card

If you’re a small business, our low rate business credit card can help you manage your cash flow.

Data

• NAB's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-24.
• /au/finance/credit-cards/v1/brands/national-australia-bank.json: this issuer's cards as JSON; NAB's page lists them.
• The bank last updated this record on 2026-06-01; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at NAB

• Low Fee Card credit card, 22.49%, $49 a year
• Low Rate Card credit card, 13.99%, $99 a year
• Qantas Business Signature Card credit card, 19.50%, $295 a year
• Qantas Rewards Premium Card credit card, 22.49%, $295 a year
• Qantas Rewards Signature Card credit card, 22.49%, $449 a year
• Rewards Business Signature Card credit card, 19.50%, $175 a year
• Rewards Card credit card, 22.49%, $195 a year
• Travel Card credit card, 22.49%, $395 a year
• Business Card charge card, 16.50%, $108 a year