{ "snapshot_at": "2026-10-24T09:58:03Z", "brand": "NATIONAL AUSTRALIA BANK", "brand_slug": "national-australia-bank", "product_id": "aea04112-8a33-4d90-991a-b30ad00699a8", "cdr_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/aea04112-8a33-4d90-991a-b30ad00699a8", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.api.nab.com.au/cds-au/v1/banking/products/aea04112-8a33-4d90-991a-b30ad00699a8'", "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.", "data": { "productId": "aea04112-8a33-4d90-991a-b30ad00699a8", "lastUpdated": "2026-06-01T13:59:59Z", "productCategory": "CRED_AND_CHRG_CARDS", "name": "NAB Low Rate Business Card", "description": "If you’re a small business, our low rate business credit card can help you manage your cash flow.", "brand": "NAB", "applicationUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "termsUri": "https://www.nab.com.au/business/business-credit-cards/terms-conditions", "eligibilityUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "feesAndPricingUri": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3" }, "cardArt": [ { "cardScheme": "VISA", "cardType": "CREDIT", "imageUri": "https://share.google/images/6TnXKbyjA2NmZ6iRJ" } ], "features": [ { "featureType": "CARD_ACCESS", "additionalValue": "NAB Business Visa Credit Card" }, { "featureType": "ADDITIONAL_CARDS", "additionalValue": "1000" }, { "featureType": "UNLIMITED_TXNS" }, { "featureType": "INTEREST_FREE", "additionalValue": "P55D", "additionalInfo": "Up to 55 interest free days on business purchases.", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Apple Pay", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Google Pay", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Samsung Pay", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Garmin Pay", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "featureType": "DIGITAL_BANKING" }, { "featureType": "BILL_PAYMENT", "additionalValue": "BPAY" }, { "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS", "additionalValue": "Visa Business Offers", "additionalInfo": "Enjoy 0% p.a. on purchases for 12 months on a new NAB Low Rate Business Card.\r\nNo annual card fee for the first year.NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "featureType": "INSURANCE", "additionalValue": "Unauthorised Transaction Insurance", "additionalInfo": "Complimentary" }, { "featureType": "OTHER", "additionalInfo": "VISA Secure reduces online fraud by confirming your identity with a secret code to your mobile", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "featureType": "OTHER", "additionalInfo": "Fraud protection\r\nNAB Defence detects fraudulent transactions. If fraud occurs, we’ll give back all your money.", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" } ], "constraints": [ { "constraintType": "MIN_LIMIT", "additionalValue": "5000.00", "additionalInfo": "Account limit" }, { "constraintType": "MIN_LIMIT", "additionalValue": "1000.00", "additionalInfo": "Card limit" }, { "constraintType": "MAX_LIMIT", "additionalValue": "18000000.00" } ], "eligibility": [ { "eligibilityType": "BUSINESS", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "eligibilityType": "MIN_AGE", "additionalValue": "18", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "eligibilityType": "MIN_TURNOVER", "additionalValue": "75000.00", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Must be an Australian citizen or permanent resident", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "eligibilityType": "OTHER", "additionalInfo": "Have 12 months of business financial data.", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "eligibilityType": "OTHER", "additionalInfo": "Registered for GST", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "eligibilityType": "OTHER", "additionalInfo": "Have a valid
ABN/ACN", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" } ], "fees": [ { "name": "Annual Card Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "60.00" }, "currency": "AUD", "additionalValue": "P1Y", "additionalInfo": "NAB may waive or discount fees at its discretion, as part of a package or promotional offer.", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "discounts": [ { "description": "Waive Card Fee", "discountType": "ELIGIBILITY_ONLY", "discountMethodUType": "fixedAmount", "fixedAmount": { "amount": "60.00" }, "rateBased": { "rateType": "FEE", "rate": "1.0" }, "additionalInfo": "No annual card fee for the first year. \r\n NAB may vary or end this offer at any time without notice.", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card", "eligibility": [ { "discountEligibilityType": "INTRODUCTORY", "additionalValue": "P1Y", "additionalInfo": "Annual card fee waiver\r\n \r\n\r\nEach Card issued under the Facility has an annual card fee of $60, payable in advance. However, the annual card fee will be waived for the first 12 months from the date the Facility was opened. \r\n\r\nThe first annual card fee will be payable and debited to the Account:\r\n\r\n• for any Card issued and Used before the first anniversary of the date the Facility was opened – in the first Statement Period following that first anniversary; and\r\n\r\n• for any Card which is first Used after the first anniversary of the date the Facility was opened – in the first Statement Period following the first Use of the Card. The fee will be a pro-rata amount based on the number of statement periods (whole or part) remaining from the date of first Use until the next anniversary of the Facility being opened. \r\n\r\nWe will confirm the date the Facility was opened with you in writing.\r\n\r\nThe subsequent annual card fees for each Card issued and used under the Facility will be debited annually on the statement date immediately after each anniversary of the date the facility was opened.", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" } ] } ] }, { "name": "Late Payment Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "15.00" }, "currency": "AUD", "additionalInfoUri": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3" }, { "name": "International Transaction Fee Single Currency", "feeType": "TRANSACTION", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.03" }, "currency": "AUD", "additionalInfoUri": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3" }, { "name": "International Transaction Fee Multi-Currency", "feeType": "TRANSACTION", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.03" }, "currency": "AUD", "additionalInfoUri": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3" }, { "name": "Cash Advance Fee", "feeType": "TRANSACTION", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.03" }, "currency": "AUD", "additionalInfo": "Minimum fee is $3.00", "additionalInfoUri": "https://www.nab.com.au/business/tools/rates-fees-and-charges/business-banking-fees-and-charges?own_cid=shortURL:feesandcharges#section-3" } ], "lendingRates": [ { "lendingRateType": "PURCHASE", "rate": "0.1399", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "OTHER", "loanPurpose": "OTHER", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Not applicable" } ], "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "lendingRateType": "CASH_ADVANCE", "rate": "0.1399", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "OTHER", "loanPurpose": "OTHER", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Not applicable" } ], "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" }, { "lendingRateType": "INTRODUCTORY", "rate": "0.0", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ADVANCE", "repaymentType": "OTHER", "loanPurpose": "OTHER", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Not applicable" } ], "additionalValue": "P1Y", "additionalInfo": "Introductory interest rate\r\nOffer commenced on 4 February 2019. The special introductory interest rate of 0% p.a. on purchases applies for 12 months from the date your account is opened by NAB. At the end of the 12 months, any purchase amounts owing will attract the interest rate for purchases that is then applicable to your account, which is equal to the NAB Low Rate Business Card rate advertised on nab.com.au and is subject to change. Minimum monthly repayments must be made by the due date each month.", "additionalInfoUri": "https://www.nab.com.au/business/business-cards/nab-low-rate-business-card" } ] } }