NAB Low Rate Card

credit card

Low Rate 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 $99 a year. It ranks 43rd of 52 issuers for a personal card by lowest purchase rate; and 1st of 22 issuers for a personal card by the length of its balance transfer offer.

What the feed states

Purchase rate

13.99%

Cash advance rate

22.99%

Interest-free days

up to 55

Card fee

$99 a year (Annual fee)

Fee offer

Reduced Annual Fee in First Year

Fee offer

NAB Portfolio Facility - no annual fee

Fee offer

NAB Private Portfolio Package - no annual fee

Fee offer

NAB Private Tailored Package - no annual fee

Foreign transaction fee

3.5% of the transaction

Balance transfer offer

0.00% for 26 months (3% fee, then 22.99%)

Balance transfer rate otherwise

22.99%

Cashback offer

$400

Digital wallets

Apple Pay, Google Pay, Samsung Pay, Garmin Pay

Additional cardholders

up to 1

Credit limit

from $1,000

Minimum age

18

Scheme

Visa

Conditions and offers

• corrected from the bank's own page: the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24
• 0.00% on balance transfers for 26 months, 3% transfer fee, then 22.99% (the balance transfer rate)
• no card fee in the first year for existing NAB customers only; $99 otherwise
• balance transfer offer for new cards only
• late payment fee $20 a month when $50 or more is overdue
• cash advance fee 3.5%, minimum $3.50
• Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted
• sign-up offers not available when closing or switching from another NAB credit card

Who can apply, in the bank's words

• Lending criteria apply

About this card

A simple low interest rate credit card with your choice of offers: get a promotional balance transfer or select our cash back offer

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.
• The issuer's Key Facts Sheet.
• /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 2026-10-01; 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 Business Card credit card, 13.99%, $60 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