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NAB

Earn up to $300 cash back if you spend $1500 on purchases within 90 days.

NAB Low Rate Card (cash back offer)

Balance transfer

0% for 12 months

Purchase rate

13.49%

Annual fee

-

Earn up to $300 cash back if you spend $1500 on purchases within 90 days from account opening. 0% p.a. balance transfer rate for 12 months with 3% BT fee (and then 21.74% p.a.), an annual fee of $59 and up to 55 days interest free

Highlights

The NAB Low Rate Credit Card has a 13.49% p.a. variable purchase rate, which is fairly standard for a low rate card. The annual fee is also a relatively low at $59.

There's also currently a 0% balance transfer rate for 12 months with 3% balance transfer fee. Just bear in mind a that once that 12-month period is over, the rate will revert to 21.74% p.a.

Main features

Rate type

Rate %

Duration

Purchases

13.49% p.a.

Fees

Fee type	Fee %	Min fee $
Cash advances	3%	$3

Fixed Fees

Fixed fees	Fee $	Fee amount
Annual fee	-	-
Monthly fee	-	-

More information

Low Rate Card features and benefits:

NAB’s lowest everyday purchase rate
Additional cardholders can be added at no extra cost
Enjoy NAB Defence fraud protection and 24/7 emergency phone assistance.

Things to consider when comparing cards:

Higher annual fee compared with the NAB Low Fee Card (interest rate remains the lowest)
No complimentary insurances are associated with this card
Rewards and frequent flyer points cannot be accrued using this card
$1,000 minimum credit limit.

Terms & conditions

The special balance transfer interest rate of 0% p.a. will apply for a 12-month statement period from when the account is opened with 3% balance transfer fee. After the 12-month period, any unpaid balance transfers will then attract the card’s cash advance rate.

$59 annual fee will be charged.

55 days interest free are only applicable when you pay your balance in full by the due date.

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