RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.6%  
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Example Interest Rates: Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.70% (6.06%*) • Fixed: 5.70% (6.06%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.69% (5.72%*) • Investment PI: 5.49% (5.52%*)
Product Library

  NAB Low Rate Business Card

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 Updated January 6, 2026  Effective April 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 Free Additional Information: Up to 55 interest free days on business purchases.
  • Digital Wallet
  • Digital Wallet
  • Digital Wallet
  • Digital Wallet
  • Digital Banking
  • Bill Payment
  • Complementary Product Discounts Additional 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.
  • Insurance Additional Information: Complimentary
  • Other Additional Information: VISA Secure reduces online fraud by confirming your identity with a secret code to your mobile
  • Other Additional 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.
  • Other Additional Information: Have 12 months of business financial data.
  • Other Additional Information: Registered for GST
  • Other Additional 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
  • Max Limit of 18000000.00

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Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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