How to apply for the NAB Credit Card

If you are looking for a card that will allow you to reward yourself with one-of-a-kind deals and earn points, then NAB has got you covered. NAB offers you a range of credit cards that are able to suit different spending habits and goals. Depending on the one you choose, you will get the benefit of saving on credit card costs, earning more frequent flyer points, enjoying complimentary extras, and being rewarded for your spending. As an employer, you also get the chance to manage your finances and also keep track of your employee spending.


If you need a card for your everyday needs, then the NAB Rewards Classic Card can be a great choice for you as it is available in Visa and can allow you to shop from anywhere in the world. Keep reading this article to learn more about the benefits of this card and how to apply.


NAB Credit Card Features

1. Complimentary Travel Insurance
Some NAB Credit cards come with this feature and the types of cover they offer include overseas holiday delay costs, missed connections, expenses in accommodation, and arrangements that require emergency travel. For you to activate the cover, you are required to have used the card for a minimum of $500.00 prepaid travel costs and at the same time be able to meet other eligibility requirements. There is also a possibility of your spouse and your dependents being covered with complimentary travel insurance depending on what you buy.


2. NAB Rewards Program
There are several reward options offered by NAB credit cards. A card that allows you to earn points through the NAB rewards program will enable you to redeem your points for a wide range of rewards that could include gift cards and frequent flyer points. The Qantas frequent flyer credit cards will also allow you to earn Qantas points for every $1.00 spent on any eligible purchase.


3. NAB Mobile Banking and Internet
This is another feature that is of great advantage to NAB Credit Card holders. This feature allows you to access your account from anywhere and easily manage it. You can use it for requesting for an increase in credit limit, requesting for another NAB product and also for making transactions to other accounts within Australia or overseas.


4. Verified By Visa
This feature ensures that you are always confident whenever you shop or transact online due to its extra layer of security that protects you during online purchases.


How to Apply for NAB Credit Card

Before applying for a NAB credit card, you should ensure that you meet the set minimum requirements. First of all, you should be above 18 years old for you to be eligible. Also, you are required to be an Australian citizen. If not, NAB may require you to provide the details of your last overseas address. You should also have a good credit history without any evidence of recent bankruptcy or defaults.

If you fulfil all these requirements, then you can head over to the NAB website and begin your secure online application by filling out the information required. If you have all the required details and documents ready with you, then this process will take you approximately 15 minutes to complete. You can alternatively visit your nearest branch where you are also allowed to apply.


Fees and Charges on the NAB Rewards Classic Visa Card

This card attracts a standard annual fee of $95.00 per annum. Its annual standard purchase interest rate is 19.99%. It also attracts an annual cash advance interest rate of 21.74%, and a late payment charge of $15.00. If you use this card to get your cash out, a fee of 2% or $2.5, whichever is greater will apply.



NAB credit cards have proved to be versatile credit cards that can suit anyone’s lifestyle and spending habits. They also reward you for every purchase you make and allow you to save for the future. The NAB Rewards Classic card, in particular, offers flexible benefits and options for everyday redemption making it the most suitable choice for anyone.

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