NAB Low Rate Business Card
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CardIQ
Fair
Overall score, out of 100 · How this works
- 0% purchase59
- 55 days interest-free57
- Business26
- Low rate62
- No annual fee63
Customer reviews
No reviews yet. Be the first to review the NAB Low Rate Business Card.
Pros & cons
What's good
- 12 months at 0% p.a. on purchases (reverts to 13.99% p.a.).
- The 13.99% p.a. purchase rate is below the 18.99% p.a. market median.
- No annual fee.
Worth noting
- The annual fee increases from $0 to $60 in the second year.
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $60 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Business
- Credit limit
- $5,000 – $100,000
- 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
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 13.99% p.a.
- Purchases
- 13.99% p.a.
Fees
- Additional cardholder fee
- $60
- Annual fee
- No annual fee
- Annual fee (year 2+)
- $60 p.a.
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $15
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
- Intro purchase period
- 12 months
- Intro purchase rate
- 0% p.a.
- Reverts to
- 13.99% p.a.
The intro rate applies to new purchases for the period shown, then reverts to the standard purchase rate.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other business 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 Rate Business CardvsANZ Business 55 Interest Free Days
- NAB Low Rate Business CardvsANZ Business Low Rate
- NAB Low Rate Business CardvsBank of Melbourne Amplify Business Credit Card
- NAB Low Rate Business CardvsBankSA Amplify Business Credit Card
- NAB Low Rate Business CardvsCommBank Business Low Rate Credit Card
- NAB Low Rate Business CardvsSt.George Amplify Business Credit Card
- NAB Low Rate Business CardvsWestpac Altitude Business Gold Credit Card
Browse by card type
Compare the NAB Low Rate Business Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- NAB