No rewards · Credit card
NAB Low Rate Card
$400bonus
$301 after the $99 first-year fee
15th of 66 bonus cards
$400 Cash Back when $5000 is spent on everyday purchases within 150 days of account opening.
- Annual fee
- $99
- Rewards program
- None
- Purchase rate
- 13.99% p.a.
- Complimentary travel insurance
- No
- Minimum credit limit
- $1,000
- Additional cardholder
- Free
- Annual fee
- $99
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Late payment fee
- $20
- Rewards program
- None
- Purchase rate
- 13.99% p.a.
- Cash advance rate
- 22.99% p.a.
- Interest-free days
- Up to 55
- Balance transfer
- 0.00% for 12 months, then 22.99%
- Complimentary travel insurance
- No
- Purchase protection
- No
- Concierge
- No
- Network
- Visa
- Minimum credit limit
- $1,000
- NAB Low Rate Card
No changes recorded for this product since tracking began on 10 September 2026.
A simple low interest rate credit card with your choice of offers: get a promotional balance transfer or select our cash back offer
Also from NAB: NAB Qantas Rewards Signature Card $231 net · NAB Low Fee Card $201 net · NAB Qantas Rewards Premium Card $175 net · NAB Travel Card $127 net · NAB Rewards Card $95 net
A $400 sign-up bonus as of 2 November 2026. After the $99 first-year fee it nets $301, 15th of 66 bonus cards tracked by BankMate. No end date is published for the offer. From the provider's Consumer Data Right feed, refreshed nightly.