If conditionally approved, we may ask for additional information or documents (such as payslips or bank statements) to verify your information.
If approved, your physical card will arrive within five working days. Simply activate your card using the NAB app or NAB Internet Banking.Start using your card. Find out about digital payments and use this card anywhere Visa is accepted, including for overseas and online purchases.
If you’re unable to apply for a credit card online, you can visit a branch and have a banker assist you.
To apply for a NAB credit card, you must be:
18 years or older receiving a regular income an Australian resident for tax purposesan Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency Visa.
The following Visa categories are not acceptable:
Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.
Check that you have the following things with you when you do your application.
You can find your NAB ID on the back of your NAB card or in your NAB app under My Details.
To resume your application, make sure you have your NAB ID and mobile phone with you.
We may ask to verify your income. You may not be required to provide any documents as part of the application process. NAB will only ask you for documents if we can’t verify your information.
If you prefer to visit a NAB branch to verify your identify, make sure you have the right combination of acceptable documentation.
You may be asked to provide recent financial documents (such as payslips or bank statements) when applying. Learn what documents we need to verify your income. You can speed up your application by having these ready.
Your general living expenses including food and groceries, recreation, education and dependents, rent, medical and health, insurance, vehicle and transport.
We’ll look at your creditworthiness and take steps to ensure you’re not given a product that isn’t right for you. This includes looking at your credit history, income, employment assets and expenses. Learn more about creditworthiness and why it matters.
Whether you’re looking for your first-ever credit card or you’re reviewing your current card, it can sometimes feel overwhelming to compare all the different types available.
Here are the top five things to look out for:
What interest rates apply The variable cash advance rate Annual fees The minimum credit limit Benefits and rewardsUse our tools below to determine which NAB credit card is the best option for you.
Choose the right credit product with our easy-to-use tool.
Use our comparison tool to compare our credit card fees and features.
See if you could save money by transferring your credit card balance.
We're here to help. Use our guides and support services to better manage your money.
Use our help guides, FAQs and other support services to help you manage your banking more easily.
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
NAB Internet Banking or the NAB app
Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
Fees and charges
Read our credit card terms and conditions. Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today.
Credit cards issued by National Australia Bank Limited.
NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.
Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us. Credit applications are subject to credit assessment criteria. Interest rates, fees and charges are subject to change. Target Market Determinations for our products are available at nab.com.au/TMD. Products issued by NAB unless stated otherwise.
© National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686