Interest Rate p.a. Interest Free  Balance Transfer p.a. Annual  Fee                                           Nab Low Rate Visa . 12.95%   55 days   0% $49   0% p.a. on balance transfers for up to 6 months Up to 55 days interest free on purchases2 Low interest rate of 12.95% p.a. on purchases. (Cash Advances at 19.99% p.a.) 1 Annual card fee of only $491 more info

Interest Rate p.a. Interest Free  Balance Transfer p.a. Annual  Fee                                          NAB Visa Mini .     A low $24 annual card fee1 Up to 55 days interest free on purchases2 Interest rate of 19.74% p.a.1 A choice of 5 colours Up to 0.5% cash back to your account3 more info

Interest Rate p.a. Interest Free  Balance Transfer p.a. Annual  Fee                                            NAB Standard Card .     Up to 44 days interest free on purchases2 Link your NAB Gold Card to your FlyBuys membership at no additional cost5 and earn points towards a great range of awards Interest rate of 19.74% p.a.1 Annual card fee of $301 more info

Interest Rate p.a. Interest Free  Balance Transfer p.a. Annual  Fee                                           Velocity NAB Card .more info ...   19.99%   44 days    $65 - $150     Velocity is the loyalty program partnered by Virgin Blue Airlines6.    Up to 44 days interest free on purchases2 Annual card fee of $65 for the Velocity NAB Standard Card, and $150 for Velocity NAB Gold Card1 Earn Velocity Points on your everyday spend7, with no cap or expiry8 on your Velocity Points Interest rate of 19.99% p.a.1. more info

 Important Information

Approval subject to NAB’s credit assessment criteria.  Terms and conditions are supplied on application or available at nab.com.au.  Fees and charges apply

1.    Interest rates and annual card fees are subject to change.  Correct as at 22nd July 2008.  View full details of fees and charges at nab.com.au

2.   Special Promotion Balance Transfer Terms and Conditions, available on application, detail the processing and treatment of balance transfer amounts. The cash advance interest rate applicable to your NAB Credit Card Account will apply to balance transfer amounts unpaid after 6 months. For NAB Low Rate Visa Cardholders, please note the cash advance interest rate applicable to your NAB Credit Card Account is higher than the purchase interest rate. The promotional rate of 0%p.a. for up to six months on balance transfer amounts must be applied for at the point of full credit card application.

3.      ’Purchases’ exclude 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

4.      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 at nab.com.au

5.     Special Promotion Introductory Purchase Rate Terms and Conditions – The 0% p.a. purchase rate applies for six months from the date the account is opened. If at the end of the 6 month promotional period any purchase amounts are owing, those amounts will attract the interest rate for purchases that is applicable to your NAB Credit Card Account. 0%p.a. purchase rate excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers cheques).

6.       National Australia Bank Limited has obtained NAB Gold Overseas Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance under Master Policies issued by American Home Assurance Company ABN 67 007 483 267, AFSL 230903, trading as AIG Australia. The benefits are extended to NAB Gold Card cardholders. The terms, conditions and exclusions of NAB Gold Overseas Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance are specified in the NAB Gold Insurance Policy Document [PDF 234kb](opens in a new window) and may be amended from time to time.

7.       Minimum spend thresholds and standard FlyBuys terms and conditions apply. The FlyBuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334.

8.       Velocity Points do not expire as long as your Velocity Rewards Account remains active.

9.       You must provide NAB with your valid Velocity Membership Number to enable points to be credited to your Velocity Rewards Account. If you are not a Velocity Member, you can join by visiting velocityrewards.com.au.  Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions, as amended from time to time, and available at velocityrewards.com.au. The Velocity Program is operated by Velocity Rewards Pty Ltd ACN 116 089 448 as trustee of The Loyalty Trust.

10.    Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and purchases of travellers cheques) or when a Card is used as a debit card to access linked accounts or transactions we decide are wholly or partly for a business purpose. Also excludes fees and charges (including government fees and charges), interest charges, transactions which are disputed, fraudulent or involve abuse of your Card account, payments, and purchases which are refunded or reimbursed.