A $400 sign-up bonus as of 18 September 2026. After the $40 first-year fee it nets $360, 33rd of 51 bonus cards tracked by BankMate. No end date is published for the offer.
$400bonus
$360 after the $40 first-year fee
$400 Cash Back when $5000 is spent on everyday purchases within 150 days of account opening.
Bonus over time
Sign-up bonus value- NAB Low Rate Card
Changes
No changes recorded for this product since tracking began on 10 September 2026.
Fees
- Annual fee
- $99
- First-year fee
- $40
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Late payment fee
- $20
Earning
- Rewards program
- None
Interest
- Purchase rate
- 13.49% p.a.
- Cash advance rate
- 21.74% p.a.
- Interest-free days
- Up to 55
- Balance transfer
- 0.00% for 6 months, then 13.49%
Perks
- Complimentary travel insurance
- No
- Purchase protection
- No
- Concierge
- No
- Network
- Visa
Eligibility
- Minimum credit limit
- $1,000
About this product
A simple low interest rate credit card with your choice of offers: get a promotional balance transfer or select our cash back offer