If you’re a small business, our low rate business credit card can help you manage your cash flow.
Category: Credit and Charge Cards Last UpdatedJanuary 6, 2026EffectiveApril 29, 2026
General Lending Rates
Rates listed below are for a product. Additional Information
Interest Rate NA PA
Comparison Rate NAPA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions.
Product Features
Card Access
Additional Cards
Unlimited Txns
Interest FreeAdditional Information:Up to 55 interest free days on business purchases.
Digital Wallet
Digital Wallet
Digital Wallet
Digital Wallet
Digital Banking
Bill Payment
Complementary Product DiscountsAdditional Information:Enjoy 0% p.a. on purchases for 12 months on a new NAB Low Rate Business Card.
No annual card fee for the first year.NAB may vary or end offers at any time. Eligibility criteria and terms and conditions apply.
InsuranceAdditional Information:Complimentary
OtherAdditional Information:VISA Secure reduces online fraud by confirming your identity with a secret code to your mobile
OtherAdditional Information:Fraud protection
NAB Defence detects fraudulent transactions. If fraud occurs, we’ll give back all your money.
Product Eligibility
Business
Min Age - 18.
Min Turnover - 75000.00.
Residency Status - Must Be An Australian Citizen Or Permanent Resident.
OtherAdditional Information: Have 12 months of business financial data.
OtherAdditional Information: Registered for GST
OtherAdditional Information: Have a valid ABN/ACN
Bank Fees and Charges
Annual Card Fee (Periodic), Amount: 60.00. Additional Information: NAB may waive or discount fees at its discretion, as part of a package or promotional offer.
Late Payment Fee (Event), Amount: 15.00.
International Transaction Fee Single Currency (Transaction), Amount: Not Listed..
International Transaction Fee Multi-currency (Transaction), Amount: Not Listed..
Cash Advance Fee (Transaction), Amount: Not Listed.. Additional Information: Minimum fee is $3.00
Limitations & Restrictions (Constraints)
Min Limit of 5000.00 Additional Information: Account limit
Min Limit of 1000.00 Additional Information: Card limit