RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

    Booking    Contact    (02) 8006 8300

  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  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 December 10, 2025  Effective December 22, 2025

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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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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