Provider
LiveNAB
As of 18 September 2026, NAB has 14 products across five of the 8 pillars BankMate tracks: 1 savings account, 6 credit cards, 4 home loans, 1 term deposit and 2 personal loans. Its highest-placed product is NAB Term Deposit at 5.20% p.a. for 1 year, 97th of 590 12-month deposits. Its rates last moved on 18 September 2026.
- Pillars
- 5 of 8
- No superannuation, share trading, crypto exchange
- Products tracked
- 14
- 1 savings account · 6 credit cards · 4 home loans
- Highest placed
- #97
- NAB Term Deposit · of 590 12-month deposits
- Last change
- 18 Sept 2026
- 11 changes on record
What changed
11 changes across 3 pillars since 1 Mar 2026- Home loansNAB Defence Force Home Loan · 5 variants up 0.02 to 0.07mixed
- 2yr Fixed · P&I · Owner-occupier 6.83 → 6.86
- 1yr Fixed · P&I · Owner-occupier 6.88 → 6.90
- 5yr Fixed · P&I · Owner-occupier 6.78 → 6.85
- 4yr Fixed · P&I · Owner-occupier 6.81 → 6.86
- 3yr Fixed · P&I · Owner-occupier 6.83 → 6.87
- Home loansNAB Tailored Home Loan · 60 variants up 0.01 to 0.07mixed
- 2yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.98 → 7.01
- 2yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.83 → 6.86
- 2yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.83 → 6.86
- 1yr Fixed · P&I · Owner-occupier · 70–80% LVR 7.06 → 7.07
- 2yr Fixed · Interest Only · Investor · 60–70% LVR 7.18 → 7.21
- 2yr Fixed · P&I · Investor · 70–80% LVR 7.24 → 7.27
- 2yr Fixed · P&I · Investor · 60–70% LVR 7.08 → 7.11
- 2yr Fixed · Interest Only · Investor · ≤60% LVR 7.18 → 7.21
- 2yr Fixed · Interest Only · Investor · 70–80% LVR 7.34 → 7.37
- 1yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.88 → 6.90
- 1yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.88 → 6.90
- 2yr Fixed · P&I · Investor · ≤60% LVR 7.08 → 7.11
- 4yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.81 → 6.86
- 4yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.93 → 6.98
- 3yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.97 → 7.01
- 3yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.83 → 6.87
- 3yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.83 → 6.87
- 5yr Fixed · P&I · Owner-occupier · 60–70% LVR 6.78 → 6.85
- 5yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.89 → 6.96
- 5yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.78 → 6.85
- 4yr Fixed · P&I · Owner-occupier · ≤60% LVR 6.81 → 6.86
- 1yr Fixed · P&I · Investor · 60–70% LVR 7.16 → 7.17
- 1yr Fixed · P&I · Investor · 70–80% LVR 7.33 → 7.35
- 1yr Fixed · P&I · Investor · ≤60% LVR 7.16 → 7.17
- 1yr Fixed · Interest Only · Investor · 70–80% LVR 7.43 → 7.44
- 1yr Fixed · Interest Only · Investor · ≤60% LVR 7.25 → 7.26
- 1yr Fixed · Interest Only · Investor · 60–70% LVR 7.25 → 7.26
- 4yr Fixed · Interest Only · Investor · 70–80% LVR 7.26 → 7.32
- 3yr Fixed · Interest Only · Investor · ≤60% LVR 7.17 → 7.22
- 5yr Fixed · Interest Only · Investor · ≤60% LVR 7.14 → 7.21
- 4yr Fixed · P&I · Investor · 70–80% LVR 7.15 → 7.21
- 5yr Fixed · P&I · Investor · 60–70% LVR 6.99 → 7.06
- 4yr Fixed · Interest Only · Investor · 60–70% LVR 7.13 → 7.19
- 5yr Fixed · Interest Only · Investor · 70–80% LVR 7.25 → 7.32
- 4yr Fixed · Interest Only · Investor · ≤60% LVR 7.13 → 7.19
- 3yr Fixed · P&I · Investor · ≤60% LVR 7.07 → 7.11
- 3yr Fixed · P&I · Investor · 70–80% LVR 7.21 → 7.25
- 5yr Fixed · Interest Only · Investor · 60–70% LVR 7.14 → 7.21
- 4yr Fixed · P&I · Investor · ≤60% LVR 7.03 → 7.08
- 3yr Fixed · Interest Only · Investor · 60–70% LVR 7.17 → 7.22
- 3yr Fixed · P&I · Investor · 60–70% LVR 7.07 → 7.11
- 4yr Fixed · P&I · Investor · 60–70% LVR 7.03 → 7.08
- 5yr Fixed · P&I · Investor · 70–80% LVR 7.10 → 7.17
- 3yr Fixed · Interest Only · Investor · 70–80% LVR 7.31 → 7.36
- 5yr Fixed · P&I · Investor · ≤60% LVR 6.99 → 7.06
- 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.21 → 7.24
- 2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.04 → 7.07
- 2yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.04 → 7.07
- 1yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.08 → 7.10
- 1yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.08 → 7.10
- 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.26 → 7.28
- 4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.04 → 7.10
- 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.14 → 7.21
- 4yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.04 → 7.10
- 3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.06 → 7.10
- 5yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.02 → 7.09
- 3yr Fixed · Interest Only · Owner-occupier · 60–70% LVR 7.06 → 7.10
- 5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR 7.02 → 7.09
- 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.17 → 7.22
- 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.20 → 7.25
- Home loansNAB Base Variable Rate Home Loan · 2 variants cut 0.12 to 0.13mixed
- Variable · P&I · Investor 7.09 → 6.96
- Variable · Interest Only · Investor 7.39 → 7.27
- Term depositsNAB Term Deposit · 6 terms moved in both directionsmixed
- Term depositsNAB Term Deposit · 54 terms cut 0.10 to 0.20mixed
- 9-month 5.10 → 5.00
- 12-month 5.25 → 5.15
- 12-month 5.25 → 5.15
- 12-month 5.25 → 5.15
- 12-month 5.15 → 5.05
- 12-month 5.15 → 5.05
- 13-month 5.20 → 5.00
- 13-month 5.20 → 5.00
- 13-month 5.10 → 4.90
- 13-month 5.10 → 4.90
- 14-month 5.20 → 5.00
- 14-month 5.20 → 5.00
- 14-month 5.10 → 4.90
- 14-month 5.10 → 4.90
- 15-month 5.20 → 5.00
- 15-month 5.20 → 5.00
- 15-month 5.10 → 4.90
- 15-month 5.10 → 4.90
- 16-month 5.20 → 5.00
- 16-month 5.20 → 5.00
- 16-month 5.10 → 4.90
- 16-month 5.10 → 4.90
- 17-month 5.20 → 5.00
- 17-month 5.20 → 5.00
- 17-month 5.10 → 4.90
- 17-month 5.10 → 4.90
- 18-month 5.20 → 5.00
- 18-month 5.20 → 5.00
- 18-month 5.10 → 4.90
- 18-month 5.10 → 4.90
- 19-month 5.20 → 5.00
- 19-month 5.20 → 5.00
- 19-month 5.10 → 4.90
- 19-month 5.10 → 4.90
- 20-month 5.20 → 5.00
- 20-month 5.20 → 5.00
- 20-month 5.10 → 4.90
- 20-month 5.10 → 4.90
- 21-month 5.20 → 5.00
- 21-month 5.20 → 5.00
- 21-month 5.10 → 4.90
- 21-month 5.10 → 4.90
- 22-month 5.20 → 5.00
- 22-month 5.20 → 5.00
- 22-month 5.10 → 4.90
- 22-month 5.10 → 4.90
- 23-month 5.20 → 5.00
- 23-month 5.20 → 5.00
- 23-month 5.10 → 4.90
- 23-month 5.10 → 4.90
- 24-month 5.20 → 5.00
- 24-month 5.20 → 5.00
- 24-month 5.10 → 4.90
- 24-month 5.10 → 4.90
- Term depositsNAB Term Deposit · 9-month 3.70 → 5.1030 days after the RBA rise to 4.35%+1.40
Show 5 earlier changes
- Term depositsNAB Term Deposit · 5 terms up 0.0520 days after the RBA rise to 4.35%+0.05
- Savings accountsNAB Reward Saver 4.65 → 5.00Bonus rate 4.64% → 4.99% · 10 days after the RBA rise to 4.35%+0.35
- Term depositsNAB Term Deposit · 50 terms up 0.10 to 0.20The day of the RBA rise to 4.35%mixed
- 12-month 5.10 → 5.20
- 12-month 5.10 → 5.20
- 12-month 5.10 → 5.20
- 12-month 5.00 → 5.10
- 12-month 5.00 → 5.10
- 13-month 5.10 → 5.20
- 13-month 5.10 → 5.20
- 13-month 5.00 → 5.10
- 13-month 5.00 → 5.10
- 14-month 5.10 → 5.20
- 14-month 5.10 → 5.20
- 14-month 5.00 → 5.10
- 14-month 5.00 → 5.10
- 15-month 5.10 → 5.20
- 15-month 5.10 → 5.20
- 15-month 5.00 → 5.10
- 15-month 5.00 → 5.10
- 16-month 5.10 → 5.20
- 16-month 5.10 → 5.20
- 16-month 5.00 → 5.10
- 16-month 5.00 → 5.10
- 17-month 5.10 → 5.20
- 17-month 5.10 → 5.20
- 17-month 5.00 → 5.10
- 17-month 5.00 → 5.10
- 18-month 5.10 → 5.20
- 18-month 5.10 → 5.20
- 18-month 5.00 → 5.10
- 18-month 5.00 → 5.10
- 19-month 5.10 → 5.20
- 19-month 5.10 → 5.20
- 19-month 5.00 → 5.10
- 19-month 5.00 → 5.10
- 20-month 5.10 → 5.20
- 20-month 5.10 → 5.20
- 20-month 5.00 → 5.10
- 20-month 5.00 → 5.10
- 21-month 5.10 → 5.20
- 21-month 5.10 → 5.20
- 21-month 5.00 → 5.10
- 21-month 5.00 → 5.10
- 22-month 5.10 → 5.20
- 22-month 5.10 → 5.20
- 22-month 5.00 → 5.10
- 22-month 5.00 → 5.10
- 23-month 5.10 → 5.20
- 23-month 5.10 → 5.20
- 23-month 5.00 → 5.10
- 23-month 5.00 → 5.10
- 24-month 5.00 → 5.20
- Term depositsNAB Term Deposit · 49 terms up 0.1024 days after the RBA rise to 4.10%+0.10
- 12-month 5.00 → 5.10
- 12-month 5.00 → 5.10
- 12-month 5.00 → 5.10
- 12-month 4.90 → 5.00
- 12-month 4.90 → 5.00
- 13-month 5.00 → 5.10
- 13-month 5.00 → 5.10
- 13-month 4.90 → 5.00
- 13-month 4.90 → 5.00
- 14-month 5.00 → 5.10
- 14-month 5.00 → 5.10
- 14-month 4.90 → 5.00
- 14-month 4.90 → 5.00
- 15-month 5.00 → 5.10
- 15-month 5.00 → 5.10
- 15-month 4.90 → 5.00
- 15-month 4.90 → 5.00
- 16-month 5.00 → 5.10
- 16-month 5.00 → 5.10
- 16-month 4.90 → 5.00
- 16-month 4.90 → 5.00
- 17-month 5.00 → 5.10
- 17-month 5.00 → 5.10
- 17-month 4.90 → 5.00
- 17-month 4.90 → 5.00
- 18-month 5.00 → 5.10
- 18-month 5.00 → 5.10
- 18-month 4.90 → 5.00
- 18-month 4.90 → 5.00
- 19-month 5.00 → 5.10
- 19-month 5.00 → 5.10
- 19-month 4.90 → 5.00
- 19-month 4.90 → 5.00
- 20-month 5.00 → 5.10
- 20-month 5.00 → 5.10
- 20-month 4.90 → 5.00
- 20-month 4.90 → 5.00
- 21-month 5.00 → 5.10
- 21-month 5.00 → 5.10
- 21-month 4.90 → 5.00
- 21-month 4.90 → 5.00
- 22-month 5.00 → 5.10
- 22-month 5.00 → 5.10
- 22-month 4.90 → 5.00
- 22-month 4.90 → 5.00
- 23-month 5.00 → 5.10
- 23-month 5.00 → 5.10
- 23-month 4.90 → 5.00
- 23-month 4.90 → 5.00
- Savings accountsNAB Reward Saver 4.40 → 4.65Bonus rate 4.39% → 4.64% · 10 days after the RBA rise to 4.10%+0.25
Savings accounts · 1
Total rate, conditions met · ranked among 94 accounts$1 deposit a month · no withdrawals · bonus up to $1m
5.00%#50 of 940.01% base + 4.99% bonus
- Monthly deposits
- $1/month
- Withdrawals
- Not allowed
- Balance range
- $0 - $1,000,000
Full savings accounts record for NAB →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for NAB · Compare all savings accounts
Credit cards · 6
Ranked by bonus net of first-year fee · of 51 bonus cardsQantas Frequent Flyer · 2
NAB Qantas Rewards Signature CardEnds soon1 Qantas Frequent Flyer pts per $ · $420 fee, $320 in year 1 · ends 30 Sept 2026
$720#11 of 51130,000 pts ≈ $1,040 · 100k in year 1
- Annual fee
- $420
- First-year fee
- $320
- Additional cardholder
- Free
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 1 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.74% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Apply by 30 September 2026. 100,000 bonus points and $250 cashback when you spend $5,000 on everyday purchases within the first 90 days of account opening + 30,000 bonus points when you keep your card for over 12 months. Not available if you hold or have held a personal NAB Qantas Rewards card in the last 24 months.
1 Qantas Frequent Flyer pts per $ · $295 fee, $195 in year 1
$605#15 of 51100,000 pts ≈ $800 · 60k in year 1
- Annual fee
- $295
- First-year fee
- $195
- Additional cardholder
- Free
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 1 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.74% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
60,000 bonus points and $150 cashback when you spend $3,000 on everyday purchases within the first 90 days of account opening + 40,000 bonus points when you keep your card for over 12 months
NAB Rewards · 2
100,000 pts ≈ $500 · 80k in year 1
- Annual fee
- $195
- First-year fee
- $95
- Additional cardholder
- Free
- Rewards program
- NAB Rewards
- Base earn rate
- 1 NAB Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.74% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
80,000 bonus points when you spend $3,000 on everyday purchases within the first 90 days of account opening + 20,000 bonus points when you keep your card for over 12 months
110,000 pts ≈ $550 · 80k in year 1
- Annual fee
- $420
- Monthly fee
- $35
- Additional cardholder
- Free
- Rewards program
- NAB Rewards
- Base earn rate
- 0.5 NAB Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.74% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
80,000 BONUS POINTS when you spend $5,000 on everyday purchases within the first 60 days of account opening.NAB may vary or end this offer at any time. + 30,000 BONUS POINTS when you keep your card for over 12 months.NAB may vary or end this offer at any time.
No rewards · 2
$400 value
- Annual fee
- $99
- First-year fee
- $40
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- 13.49% p.a.
- Cash advance rate
- 21.74% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
$400 Cash Back when $5000 is spent on everyday purchases within 150 days of account opening.
$200 value
- Annual fee
- $49
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- None
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.74% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
$200 cashback when you spend $1,500 on purchases within 90 days from account opening.
Full credit cards record for NAB →
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Home loans · 4
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · P&I · Owner-occupier · offset account · redraw · no ongoing fee · 6 variants
1y 6.90%2y 6.86%3y 6.87%4y 6.86%5y 6.85%6.22%#22 of 107comparison · 6.09% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 70–80% LVR · offset account · redraw · 72 variants
1y 7.07%2y 7.01%3y 7.01%4y 6.98%5y 6.96%6.32%#39 of 107comparison · 6.19% advertised
- Application fee
- None
- Ongoing fee
- $12 a month
- Discharge fee
- $350
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · redraw · no ongoing fee · 4 variants
6.44%#54 of 107comparison · 6.44% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier
10.11%#66 of 68advertised · no comparison rate published
- Application fee
- $600
- Ongoing fee
- $21 a month
- Discharge fee
- $350
- Package annual fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Full home loans record for NAB →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest annually or quarterly or monthly · from $5,000 · 22 terms
3 mo 3.35%6 mo 3.55%9 mo 3.70%1 yr 5.20%2 yr 5.00%14 mo 5.00%15 mo 5.00%16 mo 5.00%17 mo 5.00%18 mo 5.00%19 mo 5.00%20 mo 5.00%21 mo 5.00%5.20%#97 of 5901 year
- 3 months
- 3.35% · #291 of 369
- 6 months
- 3.55% · #452 of 547
- 9 months
- 3.70% · #324 of 500
- 1 year
- 5.20% · #97 of 590
- 2 years
- 5.00% · #65 of 394
- 14 months
- 5.00% · #1 of 22
- 15 months
- 5.00% · #1 of 29
- 16 months
- 5.00% · #1 of 6
- 17 months
- 5.00% · #1 of 60
- 18 months
- 5.00% · #5 of 122
- 19 months
- 5.00% · #1 of 6
- 20 months
- 5.00% · #1 of 6
- 21 months
- 5.00% · #1 of 6
- Minimum deposit
- $5,000
- Maximum deposit
- $1,999,999
- Interest paid
- Annually or Quarterly or Monthly
- Early withdrawal
- Not allowed
Full term deposits record for NAB →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 2
Comparison rate · ranked within unsecured or secured loansUnsecured · fixed · car loan · $350 application · $15/mo
7.55%#56 of 212comparison · from 5.99% advertised
- Advertised rate
- from 5.99% p.a.
- Comparison rate
- 7.55% p.a.
- Rate type
- Fixed
- Application fee
- $350
- Monthly fee
- $15
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $10,000 – $100,000
- Loan term
- 7 years to 7 years
Unsecured · fixed · car loan · $15/mo
8.41%#86 of 212comparison · from 7.50% advertised
- Advertised rate
- from 7.50% p.a.
- Comparison rate
- 8.41% p.a.
- Rate type
- Fixed
- Application fee
- None
- Monthly fee
- $15
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $5,000 – $55,000
- Loan term
- 1 year to 7 years
Full personal loans record for NAB →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
NAB has no superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on NAB
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