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NAB

Promotional 0% p.a. balance transfer for 24 months with BT fee

NAB Low Rate Card (balance transfer offer)

Balance transfer

0% for 24 months

Purchase rate

13.49%

Annual fee

$59 per year

0% p.a. balance transfer rate for 24 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 $59.

There's also currently a 0% balance transfer rate for 24 months. Just bear in mind a that once that 24-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	$59	per year
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 24-month statement period from when the account is opened. After the 24-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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