Top NAB Credit Cards in 2025: Low Rates, Rewards & Travel Perks
- Admin
- 3 days ago
- 6 min read
Looking for the best NAB credit cards in 2025? Whether you're after low interest rates, generous rewards, or travel perks, NAB credit cards continue to offer excellent value for Australians seeking flexibility and financial control.
At Utility Choice, we compare a wide range of banking and finance products to help you make smarter money decisions. This in-depth guide explores the top NAB credit card options for 2025—covering low rate cards, rewards programs, platinum perks, and tips on managing or even cancelling your card.
Why Choose NAB Credit Cards in 2025?
National Australia Bank (NAB) remains one of the Big Four banks, known for innovation, security, and customer-focused features. In 2025, NAB credit cards stand out for their competitive interest rates, low fees, reward programs, and access to exclusive travel and lifestyle benefits.
Here’s why NAB credit cards are worth considering this year:
Competitive interest rates and low annual fees
A wide range of card options for different lifestyles
Access to NAB Rewards and Qantas Frequent Flyer points
Fraud protection and easy mobile management
Flexibility to add or cancel your card online
1. NAB Low Rate Credit Card – Best for Budget-Conscious Spenders
If you’re looking to save on interest and keep your monthly repayments manageable, the NAB Low Rate Credit Card is your go-to option in 2025.
Key Features:
Low ongoing purchase rate: Around 12.49% p.a. (as of 2025)
Annual fee: $59
Up to 55 interest-free days
No rewards, but excellent for everyday purchases
Compatible with mobile wallets (Apple Pay, Google Pay, Samsung Pay)
Why It Works:
Ideal for students, part-time workers, or anyone who wants to minimize credit card interest, the nab credit card low rate offering is one of the most affordable in Australia.
2. NAB Rewards Signature Credit Card – Best for Big Spenders & Rewards
This high-end rewards card is perfect if you want to make your spending work for you. Whether you’re booking flights, dining out, or shopping online, you’ll earn points on every dollar.
Key Features:
Earn 1.25 NAB Rewards Points per $1 spent
Points can be redeemed for travel, gadgets, gift cards, and more
Up to 44 days interest-free
Complimentary overseas travel insurance
Access to Visa Premium services and concierge
Annual fee: $295
Benefits:
If you’re spending $20,000+ annually on your card, this card offers strong value through its generous rewards system and travel perks.
3. NAB Qantas Rewards Premium Card – Best for Frequent Flyers
Love flying with Qantas? This card helps you stack up Qantas Points quickly, with premium benefits to match.
Key Features:
Earn up to 1 Qantas Point per $1 spent
Bonus points for signing up and meeting a minimum spend
Complimentary Qantas Frequent Flyer membership
Travel insurance, extended warranty, and purchase protection
Annual fee: $250
Why It’s Ideal:
If you fly several times a year and want rewards that align with your travel habits, this card lets you maximise point-earning potential with every dollar.
4. NAB Platinum Visa Credit Card – Best for Balance Transfers & Insurance
The NAB credit card platinum tier is designed for Australians who want a balance of affordability and benefits.
Key Features:
0% p.a. on balance transfers for 12–24 months (conditions apply)
Platinum concierge service
Complimentary international travel insurance
Up to 55 interest-free days on purchases
Annual fee: $90
Standout Benefits:
Perfect for those looking to consolidate debt, enjoy some premium perks, and keep annual costs low, the nab credit card platinum stands out in its category.
5. NAB StraightUp Credit Card – Best No Interest Card
A unique offer in the market, the NAB StraightUp Card gives you fixed monthly payments with no interest charges—ever.
Key Features:
No interest – pay a monthly flat fee
Choose from $1,000, $2,000, or $3,000 credit limits
No late payment fees
No annual or account-keeping fees
Total transparency on charges
Why It’s Different:
This is a game-changer for Aussies who want a predictable payment structure and want to avoid the traps of compound interest.
NAB Credit Card Comparison Table (2025)
Card Name | Interest Rate (p.a.) | Annual Fee | Rewards | Best For |
NAB Low Rate Card | ~12.49% | $59 | Not Applicable | Budget spenders |
NAB Rewards Signature | ~19.99% | $295 | NAB Rewards | High spenders |
NAB Qantas Premium | ~19.99% | $250 | Qantas Points | Frequent flyers |
NAB Platinum Visa | 0% BT / ~19.99% purchase | $90 | Not Applicable | Balance transfers |
NAB StraightUp Credit Card | 0% (fixed monthly fee) | None | Not Applicable | Transparent repayments |
How to Apply for a NAB Credit Card
Applying for NAB credit cards is simple and can be done online in just a few minutes.
What You Need:
Valid ID (passport, driver’s licence)
Proof of income (payslips, bank statements)
Australian residency
Clean credit history
Head to NAB’s website or use a comparison platform like Utility Choice to evaluate all features before applying.
How to Cancel Your NAB Credit Card
Not satisfied with your card or looking to switch? Cancelling your NAB credit card is easy but should be done strategically.
Steps:
Pay off your balance (including any pending transactions or interest)
Redeem all rewards points
Call NAB customer service or request cancellation via NAB Internet Banking
Destroy your physical card
Make sure you’ve reviewed any outstanding fees or credits before you complete the nab credit card cancel process.
Utility Choice Tips: Choosing the Right NAB Credit Card
At Utility Choice, we’ve helped thousands of Australians pick the right financial products. Here's what to consider before choosing a NAB credit card:
Spending habits – Are you a frequent traveller, rewards earner, or a budget shopper?
Interest vs rewards – Do you carry a balance or pay off in full each month?
Credit limit needs – Only apply for what you actually need
Annual fees – Make sure the benefits outweigh the cost
Need help comparing your options? Use Utility Choice’s free comparison tool and chat with our finance experts today.
Final Thoughts: NAB Credit Cards Offer Value in Every Category
Whether you’re after a nab credit card low rate, a nab credit card platinum with perks, or a unique no-interest option like the StraightUp card, NAB offers one of the most comprehensive credit card lineups in Australia for 2025.
By leveraging NAB credit cards, Australians can enjoy better control over their finances, earn rewards, and access premium services that match their lifestyle.
At Utility Choice, our mission is to simplify your decision-making by offering unbiased comparisons and smart financial guidance. Ready to explore your best NAB credit card? Start comparing now and find the card that fits you best in 2025.
Frequently asked Questions ( FAQS )
1. What are the best NAB credit cards available in 2025?
The best NAB credit cards in 2025 include the NAB Low Rate Card, NAB Rewards Signature Card, NAB Qantas Rewards Premium Card, NAB Platinum Visa Card, and the NAB StraightUp Card. Each offers unique benefits tailored to different spending habits and lifestyles.
2. Which NAB credit card has the lowest interest rate?
3. What is the NAB Platinum Visa Credit Card, and who is it best for?
4. Can I earn rewards with NAB credit cards?
5. How do I apply for a NAB credit card?
6. What is the NAB StraightUp Credit Card and how is it different?
7. How do I cancel a NAB credit card?
8. What rewards programs are available with NAB credit cards?
9. Is the NAB Low Rate Card suitable for balance transfers?
10. What are the benefits of upgrading to a NAB credit card platinum option?
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