{ "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "public_base_uri": "https://openbank.api.nab.com.au", "logo_uri": "https://www.nab.com.au/etc/designs/nabrwd/clientlibs/images/logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-10-01T13:59:59Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":43,"of":52,"product_label":"Low Rate Card","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":99.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":26,"bt_fee_pct":3.0,"bt_revert_rate_pct":22.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"balance_transfer","rank":1,"of":22,"product_label":"Low Rate Card","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":99.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":26,"bt_fee_pct":3.0,"bt_revert_rate_pct":22.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"rewards","rank":14,"of":24,"product_label":"Rewards Card","card_type":"credit","purchase_rate_pct":22.49,"annual_fee":195.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":3000,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.74,"rewards_program":"NAB Rewards","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"business","kind":"low_rate","rank":10,"of":13,"product_label":"Low Rate Business Card","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":60.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":18000000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k3","restrictions":[],"record_stale":false}, {"segment":"business","kind":"rewards","rank":7,"of":9,"product_label":"Rewards Business Signature Card","card_type":"credit","purchase_rate_pct":19.5,"annual_fee":175.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":1000.0,"max_credit_limit":18000000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"NAB Rewards","conditions":"k4","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "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)", "Lending criteria apply", "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" ], "k2": [ "corrected from the bank's own page: a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 100,000 bonus points for new customers, per its card page; the feed says $6,000 and 80,000 points", "0.00% on balance transfers for 12 months, 3% transfer fee, then 21.74% (the balance transfer rate)", "credit limit from $6,000", "Lending criteria apply", "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", "bonus points not for anyone who holds or held a NAB Rewards card in the last 24 months", "1.25 points per $1 up to $5,000 a month, then 0.5 points per $1", "minimum credit limit $3,000", "existing NAB customers pay $95 in the first year, then $195" ], "k3": [ "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", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "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" ], "k4": [ "corrected from the bank's own page: up to 250,000 bonus points, per the bank's card page; the feed says 200,000", "credit limit $1,000 to $18,000,000", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "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", "bonus points not for businesses that hold or closed a NAB business card with a special offer in the last 12 months", "from 1 August 2026 no Points Booster; those purchases earn the standard 1.25 points per $1" ] }, "unranked": { "products": 1, "charge_card": 1 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "fbce13b1-77db-4226-9f55-9028ee31884f", "product_name": "NAB Low Fee Card", "product_label": "Low Fee Card", "product_slug": "low-fee-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-fee-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/low-fee", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "Enjoy our lowest annual card fee of only $30 and our special cashback offer.", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "NAB may discount the purchase rate at its discretion, including for promotional purposes.", "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "fee_offers": [ "NAB Portfolio Facility - no annual fee", "NAB Private Portfolio Package - no annual fee", "NAB Private Tailored Package - no annual fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": null, "revert_to": null, "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 0.0, "months": 12, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 12 months standard balance transfer rate. 3% balance transfer fee applies. NAB may offer different introductory rates at its discretion, including for promotional purposes." } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 250, "insurances": [ "Purchase Protection Insurance" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: $250 cashback on a new card with $1,500 spent in 90 days ($350 for existing NAB customers), per the bank's card page; the feed says $200", "0.00% on balance transfers for 12 months, 3% transfer fee", "Lending criteria apply", "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", "no annual fee in the first year for existing NAB customers only ($49 from the 13th month)", "balance transfer reverts to the cash advance rate (22.99%) after 12 months; offer only at application" ], "eligibility": [ "Lending criteria apply" ], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/fbce13b1-77db-4226-9f55-9028ee31884f", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/fbce13b1-77db-4226-9f55-9028ee31884f.json", "snapshot_at": "2026-10-24T09:58:03Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "$250 cashback on a new card with $1,500 spent in 90 days ($350 for existing NAB customers), per the bank's card page; the feed says $200", "fields": [ "cashback_offer" ], "quotes": { "cashback": { "text": "$250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening.", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card", "citation": { "quote": "$250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening.", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card#:~:text=%24250%20cashback%20on%20a%20new,90%20days%20from%20account%20opening.", "document_sha256": "070c7a60c22919f6d9f77d1e1755936979016c96151c7a079d387cb5ffae45ea", "confirmed": "2026-11-12" } } }, "verified": { "cashback": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "cashback_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card#:~:text=%24250%20cashback%20on%20a%20new,90%20days%20from%20account%20opening.", "quote": "$250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening." }, { "source": "watched_term", "fields": [ "first_year_fee_waived" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card#:~:text=The%20full%20annual%20fee%20of,when%20the%20account%20is%20opened.", "quote": "The full annual fee of $49 will be charged in the 13th month from when the account is opened." } ] }, { "product_id": "aea04112-8a33-4d90-991a-b30ad00699a8", "product_name": "NAB Low Rate Business Card", "product_label": "Low Rate Business Card", "product_slug": "low-rate-business-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-rate-business-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "description": "If you’re a small business, our low rate business credit card can help you manage your cash flow.", "purchase_rate_pct": 13.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 13.99, "intro_purchase_rate_pct": 0.0, "intro_purchase_months": 12, "interest_free_days": 55, "annual_fee": 60.0, "fee_period": "annual", "fee_as_stated": 60.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "fee_offers": [ "Waive Card Fee" ], "first_year_fee_waived": true, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Unauthorised Transaction Insurance" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "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", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "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" ], "eligibility": [ "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN" ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "business", "kind": "low_rate", "rank": 10, "of": 13, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/aea04112-8a33-4d90-991a-b30ad00699a8", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/aea04112-8a33-4d90-991a-b30ad00699a8.json", "snapshot_at": "2026-10-24T09:58:03Z", "bank_last_updated": "2026-06-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null }, { "product_id": "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "product_name": "NAB Low Rate Card", "product_label": "Low Rate Card", "product_slug": "low-rate-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-rate-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "A simple low interest rate credit card with your choice of offers: get a promotional balance transfer or select our cash back offer", "purchase_rate_pct": 13.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "NAB may discount the purchase rate at its discretion, including for promotional purposes.", "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "fee_offers": [ "Reduced Annual Fee in First Year", "NAB Portfolio Facility - no annual fee", "NAB Private Portfolio Package - no annual fee", "NAB Private Tailored Package - no annual fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 26, "fee_pct": 3.0, "revert_rate_pct": 22.99, "revert_to": "balance_transfer", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 22.99, "offers": [ { "rate_pct": 0.0, "months": 24, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. balance transfer (BT) for 24 months with 3% BT fee. NAB may offer different introductory rates at its discretion, including for promotional purposes." } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 400.0, "insurances": [], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "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)", "Lending criteria apply", "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" ], "eligibility": [ "Lending criteria apply" ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 43, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 1, "of": 22, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5.json", "snapshot_at": "2026-10-24T09:58:03Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-10-24", "note": "the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "citation": { "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=0%25%20p.a.%20on%20balance%20transfers,with%20a%203%25%20BT%20fee", "document_sha256": "42b5c970e059db2660a795b94ca614d9b98a5e31f273e51ce6bd341bad042759", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_months" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=0%25%20p.a.%20on%20balance%20transfers,with%20a%203%25%20BT%20fee", "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee" }, { "source": "watched_term", "fields": [ "first_year_fee_waived" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=Existing%20NAB%20customers%20enjoy%20no,p.a.%20from%20the%20second%20year.", "quote": "Existing NAB customers enjoy no annual fee for the first year, reverting to $99 p.a. from the second year." } ] }, { "product_id": "2bd0b7d2-4a66-4e34-a7ca-566c6e24bf80", "product_name": "NAB Qantas Business Signature Card", "product_label": "Qantas Business Signature Card", "product_slug": "qantas-business-signature-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/qantas-business-signature-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-qantas-business-signature-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-qantas-business-signature-card", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "business" ], "segment": "business", "description": "Get more from your business credit card purchases. 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NAB may offer different introductory rates at its discretion, including for promotional purposes." } ] }, "rewards_program": "Qantas Frequent Flyer", "rewards_programs": [ "Qantas Frequent Flyer" ], "rewards_program_fee": null, "bonus_offer": "Up to 40,000 bonus Qantas Points and $150 cashback for new customers: 25,000 bonus points when you spend $4,000 on everyday purchases within the first 90 days of account opening, 15,000 bonus points when you keep your card for over 12 months, and $150 cashback when you meet minimum spend criteria", "cashback_offer": 150, "insurances": [ "Complimentary International Travel Insurance", "Complimentary Domestic Travel Insurance", "Complimentary Purchase Protection Insurance", "Complimentary Extended Warranty Insurance", "Complimentary Rental Vehicle Excess Insurance in Australia" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 3000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and a new-customer offer of up to 40,000 bonus Qantas Points and $150 cashback, per its card page; 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the feed says $6,000 and 60,000 points", "fields": [ "bonus_offer", "cashback_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Up to 40,000 bonus Qantas Points and $150 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card", "citation": { "quote": "Up to 40,000 bonus Qantas Points and $150 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card#:~:text=Up%20to%2040%2C000%20bonus%20Qantas%20Points%20and%20%24150%20cashback", "document_sha256": "65f35a2df632f9a149a5190b175a2d2dfe85636f76fc8e4d86aa078f1248bedf", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "cashback_offer", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ] }, { "product_id": "8a47c774-0065-4850-992c-42d73253f3eb", "product_name": "NAB Qantas Rewards Signature Card", "product_label": "Qantas Rewards Signature Card", "product_slug": "qantas-rewards-signature-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/qantas-rewards-signature-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "personal" ], "segment": "personal", "description": "The Qantas Rewards Signature card gives customers the opportunity to be rewarded for the purchases they make by earning Qantas Frequent Flyer points at the fastest rate. 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NAB may offer different introductory rates at its discretion, including for promotional purposes." } ] }, "rewards_program": "Qantas", "rewards_programs": [ "Qantas" ], "rewards_program_fee": null, "bonus_offer": "Up to 60,000 bonus Qantas Points and $200 cashback for new customers: 40,000 bonus points when you spend $5,000 on everyday purchases within the first 90 days of account opening, 20,000 bonus points when you keep your card for over 12 months, and $200 cashback when you meet minimum spend criteria", "cashback_offer": 200, "insurances": [ "Complimentary International Travel Insurance", "Complimentary Domestic Travel Insurance", "Complimentary Purchase Protection Insurance", "Complimentary Extended Warranty Insurance", "Complimentary Rental Vehicle Excess Insurance in Australia" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $6,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and a new-customer offer of up to 60,000 bonus Qantas Points and $200 cashback, per its card page; 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the feed says $15,000 and 90,000 points", "fields": [ "bonus_offer", "cashback_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Up to 60,000 bonus Qantas Points and $200 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card", "citation": { "quote": "Up to 60,000 bonus Qantas Points and $200 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card#:~:text=Up%20to%2060%2C000%20bonus%20Qantas%20Points%20and%20%24200%20cashback", "document_sha256": "aa7416540e9bb938a6e4334b958a49030b1e338d149c22341c19a472efb1e7f8", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "cashback_offer", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ] }, { "product_id": "ff87d1af-392d-421a-903e-20b9517ea13e", "product_name": "NAB Rewards Business Signature Card", "product_label": "Rewards Business Signature Card", "product_slug": "rewards-business-signature-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/rewards-business-signature-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "business" ], "segment": "business", "description": "With a business credit card, earn and redeem NAB Rewards Points.", "purchase_rate_pct": 19.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual card Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "NAB Rewards", "rewards_programs": [ "NAB Rewards" ], "rewards_program_fee": null, "bonus_offer": "Earn up to 250,000 bonus NAB Rewards Points: 200,000 NAB Rewards Bonus Points when you spend $8,000 on everyday business purchases within 90 days of your new NAB Rewards Business Signature Card account opening and a further 50,000 if you keep your account open for 15 months", "cashback_offer": null, "insurances": [ "Unauthorised Transaction Insurance", "Transit Accident Insurance" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: up to 250,000 bonus points, per the bank's card page; 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the feed says 200,000", "fields": [ "bonus_offer" ], "quotes": { "bonus": { "text": "Earn up to 250,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card", "citation": { "quote": "Earn up to 250,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card#:~:text=Earn%20up%20to%20250%2C000%20bonus%20NAB%20Rewards%20Points", "document_sha256": "893ccd43cecf4b0b5b64752467955c305f740e51a0c3e6f454565ea0fa1b2724", "confirmed": "2026-11-12" } } }, "verified": { "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card#:~:text=Earn%20up%20to%20250%2C000%20bonus%20NAB%20Rewards%20Points", "quote": "Earn up to 250,000 bonus NAB Rewards Points" } ] }, { "product_id": "c43ad795-9db1-4e1f-a7f5-845714ecedfd", "product_name": "NAB Rewards Card", "product_label": "Rewards Card", "product_slug": "rewards-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/rewards-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/help-and-guidance/personal-banking-fees-and-charges#3a", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "Earn NAB Rewards Points and enjoy platinum services and complimentary insurances", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "NAB may discount the purchase rate at its discretion, including for promotional purposes.", "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 195.0, "fee_period": "annual", "fee_as_stated": 195.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "fee_offers": [ "NAB Portfolio Facility - no annual fee", "NAB Private Portfolio Package - no annual fee", "NAB Private Tailored Package - no annual fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": 21.74, "revert_to": "balance_transfer", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 21.74, "offers": [ { "rate_pct": 0.0, "months": 12, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 12 months standard balance transfer rate. 3% balance transfer fee applies. NAB may offer different introductory rates at its discretion, including for promotional purposes." } ] }, "rewards_program": "NAB Rewards", "rewards_programs": [ "NAB Rewards" ], "rewards_program_fee": null, "bonus_offer": "Up to 100,000 bonus NAB Rewards Points for new customers: 80,000 bonus points when you apply for a NAB Rewards Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening, and 20,000 bonus points when you keep your card for over 12 months", "cashback_offer": null, "insurances": [ "Complimentary International Travel Insurance", "Complimentary Domestic Travel Insurance", "Complimentary Purchase Protection Insurance", "Complimentary Extended Warranty Insurance", "Complimentary Rental Vehicle Excess Insurance in Australia" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 3000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 100,000 bonus points for new customers, per its card page; the feed says $6,000 and 80,000 points", "0.00% on balance transfers for 12 months, 3% transfer fee, then 21.74% (the balance transfer rate)", "credit limit from $6,000", "Lending criteria apply", "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", "bonus points not for anyone who holds or held a NAB Rewards card in the last 24 months", "1.25 points per $1 up to $5,000 a month, then 0.5 points per $1", "minimum credit limit $3,000", "existing NAB customers pay $95 in the first year, then $195" ], "eligibility": [ "Lending criteria apply" ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "rewards", "rank": 14, "of": 24, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/c43ad795-9db1-4e1f-a7f5-845714ecedfd", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/c43ad795-9db1-4e1f-a7f5-845714ecedfd.json", "snapshot_at": "2026-10-24T09:58:03Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 100,000 bonus points for new customers, per its card page; the feed says $6,000 and 80,000 points", "fields": [ "bonus_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Up to 100,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card", "citation": { "quote": "Up to 100,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card#:~:text=Up%20to%20100%2C000%20bonus%20NAB%20Rewards%20Points", "document_sha256": "de57f8cc27b75502a9b2012c49ffd447a3eb525070110e3d56570f5ac2ed2141", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ] }, { "product_id": "e10279eb-1172-48dd-b6d2-08bed9605c5d", "product_name": "NAB Travel Card", "product_label": "Travel Card", "product_slug": "travel-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/travel-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/help-and-guidance/personal-banking-fees-and-charges#3a", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "The new NAB Rewards Signature Card allows you to earn points with premium services and complimentary insurances.", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "NAB may discount the purchase rate at its discretion, including for promotional purposes.", "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 395.0, "fee_period": "annual", "fee_as_stated": 395.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Monthly Card Fee", "fee_offers": [ "NAB Portfolio Facility - no monthly fee", "NAB Private Portfolio Package - no monthly fee", "NAB Private Tailored Package - no monthly fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 0.0, "promo_months": 12, "fee_pct": 3.0, "revert_rate_pct": 21.74, "revert_to": "balance_transfer", "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": 21.74, "offers": [ { "rate_pct": 0.0, "months": 12, "fee_pct": 3.0, "for_new_cards": null, "for_existing_customers": null, "text": "0% p.a. for 12 months standard balance transfer rate. 3% balance transfer fee applies. NAB may offer different introductory rates at its discretion, including for promotional purposes." } ] }, "rewards_program": "NAB Rewards", "rewards_programs": [ "NAB Rewards" ], "rewards_program_fee": null, "bonus_offer": "Earn up to 180,000 bonus NAB Rewards Points: 120,000 bonus points when you spend $5,000 on everyday purchases within 90 days of new card approval, plus an extra 60,000 points when you keep your card for over 12 months", "cashback_offer": null, "insurances": [ "Complimentary International Travel Insurance", "Complimentary Domestic Travel Insurance", "Complimentary Purchase Protection Insurance", "Complimentary Extended Warranty Insurance", "Complimentary Rental Vehicle Excess Insurance in Australia", "Mobile phone insurance" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $6,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 180,000 bonus points, per its card page; the feed says $15,000 and 80,000 points. The $395 card fee is yearly, as published, though the feed names it a monthly fee", "0.00% on balance transfers for 12 months, 3% transfer fee, then 21.74% (the balance transfer rate)", "credit limit from $15,000", "Lending criteria apply", "late payment fee $20 a month when $50 or more is overdue", "cash advance fee 3.5%, minimum $3.50", "no international transaction fee", "Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted", "bonus points not for anyone who holds or held a NAB Rewards card in the last 24 months", "minimum credit limit $6,000", "existing NAB customers pay $295 in the first year, then $395" ], "eligibility": [ "Lending criteria apply" ], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/e10279eb-1172-48dd-b6d2-08bed9605c5d", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/e10279eb-1172-48dd-b6d2-08bed9605c5d.json", "snapshot_at": "2026-10-24T09:58:03Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "a $6,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 180,000 bonus points, per its card page; the feed says $15,000 and 80,000 points. The $395 card fee is yearly, as published, though the feed names it a monthly fee", "fields": [ "bonus_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Earn up to 180,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card", "citation": { "quote": "Earn up to 180,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card#:~:text=Earn%20up%20to%20180%2C000%20bonus%20NAB%20Rewards%20Points", "document_sha256": "2e362f6cd8291b02df1f44e613b1d1d2c680ed04c824cffa35ab9e7a8e71d5d3", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ] }, { "product_id": "5f5dfdb4-43b1-41e6-923e-546bb801e026", "product_name": "NAB Business Card", "product_label": "Business Card", "product_slug": "business-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/business-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-business-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges#commercial", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-business-card", "card_type": "charge", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "description": "Manage your employee's business expenses by giving them their own charge card.", "purchase_rate_pct": 16.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 16.5, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 35, "annual_fee": 108.0, "fee_period": "monthly", "fee_as_stated": 9.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Monthly Card Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Unauthorised Transaction Insurance" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $1,000 to $18,000,000", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "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" ], "eligibility": [ "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN" ], "ranked": false, "unranked_reason": "charge_card", "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/5f5dfdb4-43b1-41e6-923e-546bb801e026", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/5f5dfdb4-43b1-41e6-923e-546bb801e026.json", "snapshot_at": "2026-10-24T09:58:03Z", "bank_last_updated": "2026-06-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null } ], "rows": [ { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "fbce13b1-77db-4226-9f55-9028ee31884f", "product_name": "NAB Low Fee Card", "product_label": "Low Fee Card", "product_slug": "low-fee-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-fee-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/low-fee", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 49.0, "fee_period": "annual", "fee_as_stated": 49.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": 3.0, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 250, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: $250 cashback on a new card with $1,500 spent in 90 days ($350 for existing NAB customers), per the bank's card page; the feed says $200", "0.00% on balance transfers for 12 months, 3% transfer fee", "Lending criteria apply", "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", "no annual fee in the first year for existing NAB customers only ($49 from the 13th month)", "balance transfer reverts to the cash advance rate (22.99%) after 12 months; offer only at application" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/fbce13b1-77db-4226-9f55-9028ee31884f", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/fbce13b1-77db-4226-9f55-9028ee31884f.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "$250 cashback on a new card with $1,500 spent in 90 days ($350 for existing NAB customers), per the bank's card page; the feed says $200", "fields": [ "cashback_offer" ], "quotes": { "cashback": { "text": "$250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening.", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card", "citation": { "quote": "$250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening.", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card#:~:text=%24250%20cashback%20on%20a%20new,90%20days%20from%20account%20opening.", "document_sha256": "070c7a60c22919f6d9f77d1e1755936979016c96151c7a079d387cb5ffae45ea", "confirmed": "2026-11-12" } } }, "verified": { "cashback": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "cashback_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card#:~:text=%24250%20cashback%20on%20a%20new,90%20days%20from%20account%20opening.", "quote": "$250 cashback on a new NAB Low Fee card when you spend $1,500 on purchases within 90 days from account opening." }, { "source": "watched_term", "fields": [ "first_year_fee_waived" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-fee/nab-low-fee-card#:~:text=The%20full%20annual%20fee%20of,when%20the%20account%20is%20opened.", "quote": "The full annual fee of $49 will be charged in the 13th month from when the account is opened." } ], "rate_pct": 22.49, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "aea04112-8a33-4d90-991a-b30ad00699a8", "product_name": "NAB Low Rate Business Card", "product_label": "Low Rate Business Card", "product_slug": "low-rate-business-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-rate-business-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 13.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 13.99, "intro_purchase_rate_pct": 0.0, "intro_purchase_months": 12, "interest_free_days": 55, "annual_fee": 60.0, "fee_period": "annual", "fee_as_stated": 60.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "first_year_fee_waived": true, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "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", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/aea04112-8a33-4d90-991a-b30ad00699a8", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/aea04112-8a33-4d90-991a-b30ad00699a8.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-06-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null, "rate_pct": 13.99, "rankings": [ { "segment": "business", "kind": "low_rate", "rank": 10, "of": 13, "hidden_by_default": null } ] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "product_name": "NAB Low Rate Card", "product_label": "Low Rate Card", "product_slug": "low-rate-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/low-rate-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 13.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 99.0, "fee_period": "annual", "fee_as_stated": 99.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 26, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 22.99, "bt_revert_to": "balance_transfer", "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": 400.0, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "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)", "Lending criteria apply", "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" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/0c2ca397-dc24-4eb0-8fb9-e098c582ebd5.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-10-24", "note": "the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24", "fields": [ "balance_transfer" ], "quotes": { "balance_transfer": { "text": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card", "citation": { "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=0%25%20p.a.%20on%20balance%20transfers,with%20a%203%25%20BT%20fee", "document_sha256": "42b5c970e059db2660a795b94ca614d9b98a5e31f273e51ce6bd341bad042759", "confirmed": "2026-11-12" } } }, "verified": { "balance_transfer": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "bt_promo_months" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=0%25%20p.a.%20on%20balance%20transfers,with%20a%203%25%20BT%20fee", "quote": "0% p.a. on balance transfers (BT) for 26 months with a 3% BT fee" }, { "source": "watched_term", "fields": [ "first_year_fee_waived" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/personal/credit-cards/low-rate/nab-low-rate-card#:~:text=Existing%20NAB%20customers%20enjoy%20no,p.a.%20from%20the%20second%20year.", "quote": "Existing NAB customers enjoy no annual fee for the first year, reverting to $99 p.a. from the second year." } ], "rate_pct": 13.99, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 43, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 1, "of": 22, "hidden_by_default": null } ] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "2bd0b7d2-4a66-4e34-a7ca-566c6e24bf80", "product_name": "NAB Qantas Business Signature Card", "product_label": "Qantas Business Signature Card", "product_slug": "qantas-business-signature-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/qantas-business-signature-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-qantas-business-signature-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-qantas-business-signature-card", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 19.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "Qantas Business Rewards", "rewards_programs": [ "Qantas Business Rewards" ], "rewards_program_fee": null, "bonus_offer": "200000 Earn 150,000 bonus Qantas Points when you spend $10,000 on everyday business purchases within 90 days of opening your new NAB Qantas Business Signature Card account. Plus, you’ll be rewarded with an additional 50,000 bonus Qantas Points if you keep your account open for 15 months.", "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $1,000 to $18,000,000", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "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", "bonus points not for businesses that hold or closed a NAB business card in the last 36 months", "points capped at $50,000 spend per card a statement period" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/2bd0b7d2-4a66-4e34-a7ca-566c6e24bf80", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/2bd0b7d2-4a66-4e34-a7ca-566c6e24bf80.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-08-03T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null, "rate_pct": 19.5, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "263a9294-f2d8-4f5e-885c-363e1c2010b9", "product_name": "NAB Qantas Rewards Premium Card", "product_label": "Qantas Rewards Premium Card", "product_slug": "qantas-rewards-premium-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/qantas-rewards-premium-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card", "card_type": "credit", "scheme": "visa", "tier": "premium", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 22.99, "bt_revert_to": "balance_transfer", "rewards_program": "Qantas Frequent Flyer", "rewards_programs": [ "Qantas Frequent Flyer" ], "rewards_program_fee": null, "bonus_offer": "Up to 40,000 bonus Qantas Points and $150 cashback for new customers: 25,000 bonus points when you spend $4,000 on everyday purchases within the first 90 days of account opening, 15,000 bonus points when you keep your card for over 12 months, and $150 cashback when you meet minimum spend criteria", "cashback_offer": 150, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 3000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and a new-customer offer of up to 40,000 bonus Qantas Points and $150 cashback, per its card page; the feed says $6,000 and 60,000 points", "0.00% on balance transfers for 12 months, 3% transfer fee, then 22.99% (the balance transfer rate)", "credit limit from $6,000", "Lending criteria apply", "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", "bonus points not for anyone who holds or held a NAB Qantas Rewards card in the last 36 months", "points capped at $6,000 spend a statement period", "minimum credit limit $3,000", "existing NAB customers pay $195 in the first year, then $295" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/263a9294-f2d8-4f5e-885c-363e1c2010b9", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/263a9294-f2d8-4f5e-885c-363e1c2010b9.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and a new-customer offer of up to 40,000 bonus Qantas Points and $150 cashback, per its card page; the feed says $6,000 and 60,000 points", "fields": [ "bonus_offer", "cashback_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Up to 40,000 bonus Qantas Points and $150 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card", "citation": { "quote": "Up to 40,000 bonus Qantas Points and $150 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card#:~:text=Up%20to%2040%2C000%20bonus%20Qantas%20Points%20and%20%24150%20cashback", "document_sha256": "65f35a2df632f9a149a5190b175a2d2dfe85636f76fc8e4d86aa078f1248bedf", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "cashback_offer", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ], "rate_pct": 22.49, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "8a47c774-0065-4850-992c-42d73253f3eb", "product_name": "NAB Qantas Rewards Signature Card", "product_label": "Qantas Rewards Signature Card", "product_slug": "qantas-rewards-signature-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/qantas-rewards-signature-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/credit-cards/fees-charges", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 449.0, "fee_period": "annual", "fee_as_stated": 449.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 22.99, "bt_revert_to": "balance_transfer", "rewards_program": "Qantas", "rewards_programs": [ "Qantas" ], "rewards_program_fee": null, "bonus_offer": "Up to 60,000 bonus Qantas Points and $200 cashback for new customers: 40,000 bonus points when you spend $5,000 on everyday purchases within the first 90 days of account opening, 20,000 bonus points when you keep your card for over 12 months, and $200 cashback when you meet minimum spend criteria", "cashback_offer": 200, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $6,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and a new-customer offer of up to 60,000 bonus Qantas Points and $200 cashback, per its card page; the feed says $15,000 and 90,000 points", "0.00% on balance transfers for 12 months, 3% transfer fee, then 22.99% (the balance transfer rate)", "credit limit from $15,000", "Lending criteria apply", "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", "bonus points not for anyone who holds or held a NAB Qantas Rewards card in the last 36 months", "points capped at $15,000 spend a statement period", "minimum credit limit $6,000" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/8a47c774-0065-4850-992c-42d73253f3eb", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/8a47c774-0065-4850-992c-42d73253f3eb.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "a $6,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and a new-customer offer of up to 60,000 bonus Qantas Points and $200 cashback, per its card page; the feed says $15,000 and 90,000 points", "fields": [ "bonus_offer", "cashback_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Up to 60,000 bonus Qantas Points and $200 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card", "citation": { "quote": "Up to 60,000 bonus Qantas Points and $200 cashback", "url": "https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card#:~:text=Up%20to%2060%2C000%20bonus%20Qantas%20Points%20and%20%24200%20cashback", "document_sha256": "aa7416540e9bb938a6e4334b958a49030b1e338d149c22341c19a472efb1e7f8", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "cashback_offer", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ], "rate_pct": 22.49, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "ff87d1af-392d-421a-903e-20b9517ea13e", "product_name": "NAB Rewards Business Signature Card", "product_label": "Rewards Business Signature Card", "product_slug": "rewards-business-signature-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/rewards-business-signature-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 19.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "NAB Rewards", "rewards_programs": [ "NAB Rewards" ], "rewards_program_fee": null, "bonus_offer": "Earn up to 250,000 bonus NAB Rewards Points: 200,000 NAB Rewards Bonus Points when you spend $8,000 on everyday business purchases within 90 days of your new NAB Rewards Business Signature Card account opening and a further 50,000 if you keep your account open for 15 months", "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: up to 250,000 bonus points, per the bank's card page; the feed says 200,000", "credit limit $1,000 to $18,000,000", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "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", "bonus points not for businesses that hold or closed a NAB business card with a special offer in the last 12 months", "from 1 August 2026 no Points Booster; those purchases earn the standard 1.25 points per $1" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/ff87d1af-392d-421a-903e-20b9517ea13e", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/ff87d1af-392d-421a-903e-20b9517ea13e.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-08-03T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "correction": { "checked": "2026-11-01", "note": "up to 250,000 bonus points, per the bank's card page; the feed says 200,000", "fields": [ "bonus_offer" ], "quotes": { "bonus": { "text": "Earn up to 250,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card", "citation": { "quote": "Earn up to 250,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card#:~:text=Earn%20up%20to%20250%2C000%20bonus%20NAB%20Rewards%20Points", "document_sha256": "893ccd43cecf4b0b5b64752467955c305f740e51a0c3e6f454565ea0fa1b2724", "confirmed": "2026-11-12" } } }, "verified": { "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/business/business-cards/nab-rewards-business-signature-card#:~:text=Earn%20up%20to%20250%2C000%20bonus%20NAB%20Rewards%20Points", "quote": "Earn up to 250,000 bonus NAB Rewards Points" } ], "rate_pct": 19.5, "rankings": [ { "segment": "business", "kind": "rewards", "rank": 7, "of": 9, "hidden_by_default": null } ] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "c43ad795-9db1-4e1f-a7f5-845714ecedfd", "product_name": "NAB Rewards Card", "product_label": "Rewards Card", "product_slug": "rewards-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/rewards-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/help-and-guidance/personal-banking-fees-and-charges#3a", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 195.0, "fee_period": "annual", "fee_as_stated": 195.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.74, "bt_revert_to": "balance_transfer", "rewards_program": "NAB Rewards", "rewards_programs": [ "NAB Rewards" ], "rewards_program_fee": null, "bonus_offer": "Up to 100,000 bonus NAB Rewards Points for new customers: 80,000 bonus points when you apply for a NAB Rewards Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening, and 20,000 bonus points when you keep your card for over 12 months", "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 3000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 100,000 bonus points for new customers, per its card page; the feed says $6,000 and 80,000 points", "0.00% on balance transfers for 12 months, 3% transfer fee, then 21.74% (the balance transfer rate)", "credit limit from $6,000", "Lending criteria apply", "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", "bonus points not for anyone who holds or held a NAB Rewards card in the last 24 months", "1.25 points per $1 up to $5,000 a month, then 0.5 points per $1", "minimum credit limit $3,000", "existing NAB customers pay $95 in the first year, then $195" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/c43ad795-9db1-4e1f-a7f5-845714ecedfd", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/c43ad795-9db1-4e1f-a7f5-845714ecedfd.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 100,000 bonus points for new customers, per its card page; the feed says $6,000 and 80,000 points", "fields": [ "bonus_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Up to 100,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card", "citation": { "quote": "Up to 100,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-platinum-card#:~:text=Up%20to%20100%2C000%20bonus%20NAB%20Rewards%20Points", "document_sha256": "de57f8cc27b75502a9b2012c49ffd447a3eb525070110e3d56570f5ac2ed2141", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ], "rate_pct": 22.49, "rankings": [ { "segment": "personal", "kind": "rewards", "rank": 14, "of": 24, "hidden_by_default": null } ] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "e10279eb-1172-48dd-b6d2-08bed9605c5d", "product_name": "NAB Travel Card", "product_label": "Travel Card", "product_slug": "travel-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/travel-card/", "product_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card", "terms_url": "https://www.nab.com.au/personal/credit-cards/terms-conditions/digital", "fees_url": "https://www.nab.com.au/personal/help-and-guidance/personal-banking-fees-and-charges#3a", "eligibility_url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 22.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 22.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 44, "annual_fee": 395.0, "fee_period": "annual", "fee_as_stated": 395.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Monthly Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 0.0, "bt_promo_months": 12, "bt_fee_pct": 3.0, "bt_revert_rate_pct": 21.74, "bt_revert_to": "balance_transfer", "rewards_program": "NAB Rewards", "rewards_programs": [ "NAB Rewards" ], "rewards_program_fee": null, "bonus_offer": "Earn up to 180,000 bonus NAB Rewards Points: 120,000 bonus points when you spend $5,000 on everyday purchases within 90 days of new card approval, plus an extra 60,000 points when you keep your card for over 12 months", "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $6,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 180,000 bonus points, per its card page; the feed says $15,000 and 80,000 points. The $395 card fee is yearly, as published, though the feed names it a monthly fee", "0.00% on balance transfers for 12 months, 3% transfer fee, then 21.74% (the balance transfer rate)", "credit limit from $15,000", "Lending criteria apply", "late payment fee $20 a month when $50 or more is overdue", "cash advance fee 3.5%, minimum $3.50", "no international transaction fee", "Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted", "bonus points not for anyone who holds or held a NAB Rewards card in the last 24 months", "minimum credit limit $6,000", "existing NAB customers pay $295 in the first year, then $395" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/e10279eb-1172-48dd-b6d2-08bed9605c5d", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/e10279eb-1172-48dd-b6d2-08bed9605c5d.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-10-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "correction": { "checked": "2026-11-01", "note": "a $6,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 180,000 bonus points, per its card page; the feed says $15,000 and 80,000 points. The $395 card fee is yearly, as published, though the feed names it a monthly fee", "fields": [ "bonus_offer", "min_credit_limit" ], "quotes": { "credit_limit": { "text": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf", "citation": { "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "page": 1, "document_sha256": "b20d4786ae143c1f475f7b336bc2250574f4f20c2eeba088e16df4cfdb82bc53", "confirmed": "2026-11-12" } }, "bonus": { "text": "Earn up to 180,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card", "citation": { "quote": "Earn up to 180,000 bonus NAB Rewards Points", "url": "https://www.nab.com.au/personal/credit-cards/nab-rewards/nab-rewards-signature-card#:~:text=Earn%20up%20to%20180%2C000%20bonus%20NAB%20Rewards%20Points", "document_sha256": "2e362f6cd8291b02df1f44e613b1d1d2c680ed04c824cffa35ab9e7a8e71d5d3", "confirmed": "2026-11-12" } } }, "verified": { "credit_limit": "found", "bonus": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "min_credit_limit", "bonus_offer" ], "confirmed": "2026-11-12", "url": "https://www.nab.com.au/content/dam/nabrwd/documents/guides/banking/key-facts-credit-cards.pdf#page=1", "quote": "Minimum Credit Limit $1000 $1000 $3000 $6000 $3000 $6000" } ], "rate_pct": 22.49, "rankings": [] }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "product_id": "5f5dfdb4-43b1-41e6-923e-546bb801e026", "product_name": "NAB Business Card", "product_label": "Business Card", "product_slug": "business-card", "page": "/au/finance/credit-cards/cards/national-australia-bank/business-card/", "product_url": "https://www.nab.com.au/business/business-cards/nab-business-card", "terms_url": "https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-commercial-cards-facility-conditions-oct2025.pdf", "fees_url": "https://www.nab.com.au/business/tools/rates-fees-and-charges#commercial", "eligibility_url": "https://www.nab.com.au/business/business-cards/nab-business-card", "card_type": "charge", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 16.5, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 16.5, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 35, "annual_fee": 108.0, "fee_period": "monthly", "fee_as_stated": 9.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Monthly Card Fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay", "Garmin Pay" ], "instalment_plan": false, "additional_cards": 1000, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 18000000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $1,000 to $18,000,000", "min turnover: 75000.00", "Have 12 months of business financial data.", "Registered for GST", "Have a valid ABN/ACN", "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" ], "ranked": false, "unranked_reason": "charge_card", "source_kind": "feed", "record_stale": false, "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/5f5dfdb4-43b1-41e6-923e-546bb801e026", "source_snapshot": "/au/finance/credit-cards/v1/source/national-australia-bank/5f5dfdb4-43b1-41e6-923e-546bb801e026.json", "snapshot_at": "2026-11-12T02:35:58Z", "bank_last_updated": "2026-06-01T13:59:59Z", "document_links_source": { "terms_url": "found by hand 2026-11-01: terms and conditions" }, "from_issuer_page": null, "rate_pct": 16.5, "rankings": [] } ], "licence_shared_with": [ "Coles Credit Cards", "Kogan Money Credit Cards", "MyCard", "Qantas Money Credit Cards", "UBank" ] }