NAB Low Fee Card
Do you manage NAB card listings? Claim on Partner Central
CardIQ
Fair
Overall score, out of 100 · How this works
- Balance transfer56
- Cashback60
- First timer65
- Rewards22
Customer reviews
Based on 48 reviews. We show 20 of them.
Reviewers liked fees and customer service; complaints centred on the interest rate.
Great card and service, but too tempting for me
At first I was questioning whether or not I wanted a credit card, because we all know they can be tricky little things to have. I researched and researched I weighed up pros and cons (not that there were many) and decided I’d give it a go.It was my first credit card, and I could…
No frills card from good bank with good service
Got to love a bank that doesn’t keep its customers waiting. It’s a great card with no frills, just a low rate. I would recommend the NAB, and this card is definitely worth looking into getting, simply due to the low fees they charge compared to other cards and banks. Service is…
Competitive low fees, exceptional service
This was my first credit card with my major bank. I have had no troubles with them over the years and fees and charges remain competitive and low. Linking to my main bank account makes keeping on top of everything easy. They have also offered exceptional Australian-based…
Nine months interest free, interest still low
I would not go with any other bank. These guys always keep me informed about interest rates, etc. I love my NAB credit card. I got nine months interest free, and the interest is still low. I have this card for things that pop up that I might not think about, like fixing my spare…
Credit in a hurry can be a lifesaver
The credit card is great for using online, or when there’s a bargain and pay day is too far away. It’s also good for when something breaks and needs to be repaired or replaced in a hurry, for example your fridge or freezer, which has actually happened to me. So having this card…
Low cost, good for emergencies
It’s easy to use, monthly repayments are in the middle range between high and low, and it has a low interest rate. I have this card because it comes in handy in case of emergencies or if anything unexpected happens. I don’t generally carry cash on me unless i know i am buying…
Provides cash when needed
This card allows me to always have cash when needed, for groceries, holidays and anything that randomly pops up.I definitely recommend this card to friends and family.
NAB is well-known for low fees and charges.
I don’t use it as a credit card but use it as a convenience instead of carrying cash. NAB is known for low fees and charges and it is recognised as one of the major banks so it is accepted anywhere in the world. Some airlines especially are selective about which cards you can…
I liked the name 'NAB Low Fee Card’ as I expected the fees to be low, as per its name. The convenience is fair, which helps when an emergency arises. However, the fees are not. It would be great if NAB considered lowering them, to help low income earners manage and pay it off…
Good for people on a budget
This card is great because it has a really low annual fee. The customer service I have received from NAB regarding the card has been really good too. It’s a great card for people not concerned with frequent flyer points. It’s suitable for those who want a simple, no-hassle card,…
Pros & cons
What's good
- 12 months at 0% p.a. on balance transfers, longer than the 12-month median (3% transfer fee, reverts to 21.74% p.a.).
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
- 3.5% foreign transaction fee on overseas spending, at the high end of the market.
- Earns no rewards points on spending.
- Up to 44 interest-free days on purchases (below the 55-day median).
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $1,000 – $30,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.74% p.a.
- Purchases
- 20.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $49 p.a.
- Cash advance fee
- 3.5% of the amount
- Foreign transaction fee
- 3.5%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
- Can't transfer from
- Coles, Kogan Money, MyCard, NAB, Qantas Money
- Limit
- Up to your available credit limit
- Period
- 12 months
- Promotional rate
- 0% p.a.
- Revert rate
- 21.74% p.a.
- Transfer fee
- 3%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Sign-up cashback
- $250
- Spend required
- $1,500 in 3 months
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
- NAB Low Fee CardvsANZ Low Rate
- NAB Low Fee CardvsAustralian Military Bank Low Rate Visa Credit Card
- NAB Low Fee CardvsAustralian Mutual Bank Credit Card
- NAB Low Fee CardvsBank Australia Low Rate Visa Credit Card
- NAB Low Fee CardvsBank of Melbourne Vertigo Card
- NAB Low Fee CardvsBank of Melbourne Vertigo Card - Cashback Offer
- NAB Low Fee CardvsBankSA Vertigo
- NAB Low Fee CardvsBankSA Vertigo - Cashback Offer
- NAB Low Fee CardvsBankVic Low Rate Visa
- NAB Low Fee CardvsBankVic Qantas Visa Credit Card
- NAB Low Fee CardvsBankwest Breeze Classic Mastercard
- NAB Low Fee CardvsBankwest Breeze Platinum Mastercard
Browse by card type
Compare the NAB Low Fee Card against every other card in its category.
Questions and answers
No questions yet. Ask the first one about NAB Low Fee Card.
Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- NAB