NAB Low Rate Credit Card

NAB Low Rate Credit Card

The NAB Low Rate Credit Card with 0% annual balance transfer offer sits right in the low rate space. Its purchase rate is one of the lowest and its annual fee is very competitive.

With the NAB Low Rate Credit Card you can transfer up to 90% of your credit limit and will pay no interest for 32 months on the amount transferred (that's an epic deadline for paying off complicated debt). This offer also includes a 3% fee waiver, which helps you save even more money while you focus on paying off your debt.


Positive points

  • Annual fee

    No annual fee for the first year

  • No interest

    Up to 55 days interest free on purchases

  • Purchase fee

    Low variable buying rate of 12.49% p.a


Negative points

  • Rewards program

    No rewards program

  • Insurance coverage

    No free insurance coverage


It's a card designed to keep costs down, but it also helps you save money. If you use the balance transfer offer wisely, you can use the generous period to pay off your debt without paying interest or balance transfer fees.

You can apply for the NAB Low Rate Card in about 15 minutes and should receive a response within 60 seconds of submitting the secure application form. Start by making sure you meet the following requirements and have the necessary details and documents at hand.

Program Rewards program
Insurance coverage Purchase insurance coverage
Benefits Several benefits
Service Customer service

No annual fee for the first year

The annual fee is very competitive at $59 per year (other cards with similar offers can cost around $80 + per year), but NAB is giving you the first year free, which is a nice extra. To apply for your card, click the button below:

Visa benefits

Take advantage of deals on shows, events, experiences and more with Visa Offers + Perks and enjoy a variety of travel and retail offers listed on Visa's website. As a Visa card, you can also shop around the world and enjoy contactless payments.

Interest-free term

Receive up to 55 interest-free days on purchases when you pay the balance in full, or if your statement shows an amount of interest-free days, in full by the statement due date. To apply for your card, click the button below:


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