NAB Low Rate Card Review

A practical Australian balance-transfer card if your priority is lowering interest costs instead of earning premium rewards.

✓ Low ongoing purchase rate at 13.49% p.a. ✓ Balance transfer promotions are clearly advertised on the issuer page ✓ Visa acceptance is broad for everyday use

NAB Low Rate Card Review

Updated 1 day ago

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Annual Fee

A$59

A practical Australian balance-transfer card if your priority is lowering interest costs instead of earning premium rewards.

Pros

✓ Low ongoing purchase rate at 13.49% p.a.
✓ Balance transfer promotions are clearly advertised on the issuer page
✓ Visa acceptance is broad for everyday use
✓ Annual fee is modest versus premium travel cards

Cons

✗ Not a rewards-focused card
✗ Annual fee is increasing in late April 2026
✗ No complimentary insurance benefits highlighted on the product page

🎯 Best For: Australian cardholders consolidating existing card debt or wanting a mainstream low-rate everyday card.

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