The confidence to pick the right credit card

1. Annual card fee and interest rates are subject to change. Correct as at 2 December 2008. View full details of fees and charges (opens in a new window).
2. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers' cheques). Interest-free days on purchases if you pay your account in full by the due date each month.
3. Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.
4. The Special Promotion rate will apply to any balance transfer amount for the period from the time the balance transfer is made to your account for six complete monthly statement periods, unless the balance transfer amounts are paid off earlier. These balance transfer amounts are designated cash advances for the purposes of the terms and conditions applicable to your credit card account. If at the end of the six month statement period applicable to any balance transfer amount any portion of that balance transfer amount is owing, that amount will attract interest at the Cash Advance Indicator Rate then applicable to your NAB Credit Card account. A payment to your NAB Credit Card account under this Special Promotion will be applied to the balance transfer amounts (designated cash advances) before any other cash advance or purchase amounts. The terms and conditions applicable to your credit card account set out in detail the order in which payments are applied. Please note the promotional rate on balance transfer amounts must be applied for at the point of full credit card application. This rate will appear separately on your NAB Credit Card statement and only applies to balance transfers from non-NAB credit card (or store) accounts. NAB reserves the right to withdraw any balance transfer invitation at its discretion.
5. Link your card to your FlyBuys membership at no additional cost. Minimum thresholds and standard FlyBuys terms and conditions apply. The FlyBuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334.
6. Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions as amended from time to time, and available online at velocityrewards.com.au (opens in new window). The Velocity Program is operated by Velocity Rewards Pty Ltd ACN 116 089 448 as trustee of The Loyalty Trust.
7. To earn points using your NAB Qantas Credit Card Account, you must be a member of the Qantas Frequent Flyer program. A joining fee applies. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. For more information visit qantas.com/frequentflyer (opens in new window).
8. Cash back is calculated as 0.5% of net purchases made during a statement period and is credited directly to your NAB Visa Mini account. Purchases included in the cash back calculations are described in the terms and conditions which are available on application or download here (opens in a new window).
9. This is only a brief summary of the benefits and exclusions may apply. National Australia Bank Limited has obtained Purchase Protection Insurance, Extended Warranty Insurance and NAB Gold Overseas Travel Insurance under Master Policies issued by American Home Assurance Company ABN 67007483267, AFSL 230903. The benefits of Purchase Protection Insurance, Extended Warranty Insurance and NAB Gold Overseas Travel Insurance are extended to NAB Qantas Gold cardholders. The terms, conditions and exclusions for these insurances are specified in the NAB Gold Insurance Policy Document and may be amended from time to time. Please note: for Emergency and Medical Assistance while travelling overseas - please contact AIG Assist on reverse charge call to Australia +61 (2) 9251 4298. This overseas assistance service is subject to the terms and conditions of the NAB Gold Insurance Policy Document. Please read the entire Policy Document to ensure it meets your requirements. For more information please call 1800 339667 or visit nab.com.au
10. This is only a brief summary of the benefits, limits of cover and exclusions may apply. National Australia Bank Limited has obtained NAB Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Domestic Hotel Burglary Insurance, Purchase Protection Insurance, Extended Warranty Insurance and Price Protection Insurance under Master Policies issued by American Home Assurance Company ABN 67 007 483 267, AFSL 230903. The benefits of NAB Overseas Travel Insurance, Interstate Flight Inconvenience Travel Insurance, Transport Accident Insurance, Domestic Hotel Burglary Insurance, Purchase Protection Insurance, Extended Warranty Insurance, and Price Protection Insurance are extended to NAB Qantas Platinum cardholders. The terms, conditions and exclusions for these insurances are specified in the NAB Platinum Policy Information Booklet and may be amended from time to time. Please note: for Emergency and Medical Assistance while travelling overseas - please contact AIG Assist on reverse charge call to Australia +61 (2) 9251 4298. This overseas assistance service is subject to the terms and conditions of the NAB Platinum Policy Information Booklet. Please read the entire Policy Information Booklet to ensure it meets your requirements. For more information please call 1800 788 566 or visit nab.com.au
11. Lost Card Cover is provided for NAB Standard Cards, NAB Low Rate Visa Card, NAB Visa Mini, and Velocity NAB Standard Cards cardholders. A membership fee applies. VIP Lost Card Cover is provided for NAB Gold Cards, Velocity NAB Gold Cards, NAB Qantas Gold Cards and NAB Qantas Platinum Cards cardholders. VIP Lost Card Cover membership is complimentary for the first 12 months, for the Gold and Platinum cards detailed. VIP Lost Card Cover and Lost Card Cover are provided by Card Alert International Pty Ltd ABN 82 003 249 885 of Level 10, 68 Pitt Street, Sydney, NSW 2000. Terms, conditions and exclusions apply.
12. This is only a brief summary of the benefits and exclusions may apply. Purchase Protection Insurance for NAB Visa Standard, NAB MasterCard, Velocity NAB Visa Cards and NAB Visa Mini cardholders is issued by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507, of 5 Blue Street, North Sydney, NSW 2060. The terms, conditions and exclusions of Purchase Protection Insurance are specified in the Purchase Protection Insurance Policy Document [PDF 123kb] (opens in a new window) and may be amended from time to time.
13. Travel Assist Services are added travel benefits relevantly provided by Visa International, MasterCard International and NAB American Express cards by International SOS. Neither National Australia Bank Limited ABN 12 004 044 937 nor any other company in the National Australia Bank Group guarantees or accepts liability in respect of these services.
14. Applicants require gross income of $50,000 p.a. or more.
15. Applicants require gross income of $65,000 p.a. or more.

Other Important Information

A credit card offers you great flexibility and convenience. But it's important to remember, like any debt, you will have to repay it. If you are unsure as to whether you will be able to manage repayments for a new credit card, then you should not consider taking up a NAB credit card at this point in time.

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