Low Rate Card
Low Rate Card is issued by NAB. Every figure below is one NAB publishes, with the date it was read.
The facts
What stands out
NAB publish current variable rates of 13.99% p.a. for purchases and 22.99% p.a. for cash advances.
An additional cardholder is added at no extra cost.
NAB charge a 3.5% international transaction fee on both Australian-dollar and foreign-currency international transactions.
NAB charge a $20 late payment fee, debited monthly if applicable when a due amount is unpaid by its due date and the account balance is at least $50 when debited.
Stated as facts from NAB's own published pages, not as an opinion about whether the card suits you. Conditions, eligibility and the full fee schedule are on their site.
Purchase rate
13.99%
$99 a year to hold · Up to 55 interest-free days
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Back to all credit cardsChecked 5 October 2026