I have been enjoying using this card for about four now. It is a reliable service and the app provides simplest form of selections to activate the card for overseas use. I have transferred money from the credit card to my account in less than a minute.

I once accidentally transferred the money from my credit card account to the saving account (less then 5mints) and i was instantly charged interest for it. The due dates in the online account are misleading and if we forget its a big money spinner for them. So, now I am very careful with the due date and use it seldom.

When I first got this NAB credit card it was $19.99% on purchases and $39 a year to have it, little did I know that I could get different NAB credit card that is $13.99% on purchases but $59 a year to have, its been good in an emergency and I have never missed a payment, the NAB app is great, I do all my online banking via my iphone because it's so quick and easy, but I find if I login on my laptop to do my banking, it's a bit hard navigating through the site, just me ?? it might be but the banking app is so much quicker, and I can't fault NAB customer service team they are amazing, super friendly and helpful every time I ring.

I have been used this visa credit card for 4 years, good service and app is very useful online banking easy transactions. I would recommend the NAB this visa credit card

This card is good. Fees and charges are clear. I pay in full most months and clearly know my month end date is the 5th of every month so shop accordingly to avoid interest. If I get a cash advance and repay a couple of days later cash advance amount is taken off first to reduce interest. Though I will have already paid a fee.
Happy with the card, but if you need to go into a branch, regardless of which branch, service is terrible. I always am made to feel like a nuisance. Staff are abrupt and unhelpful and I usually end up having to ring and get better service from a call centre than face to face. Sad.

Since about 2 years I use this Visa Credit Card. Whenever I had any questions about the transactions I had professional and friendly service by the National Australia Bank. The app is very useful as well. I only can recommend the NAB accounts and this Visa Credit Card.

I was approved similar product last year with 6 months interest free on purchases, application process was really smooth and quick, interest free period really helped me improve my cash flow however whenever things go wrong such fraudulent transaction or customer misled by online merchants in these type of situations NAB is always on merchant side and never seems to be helpful for its own customer.

Signed up for the Nab premium online at one of those compare cards website for a BT as they were offering a 21mth no interest and no BT fee. But they put me down for the NAB low rate cc instead - they called to inform me this, said it is an automatic calculation by the computer. Said that BT is reduced to 16mths. Then i asked id there will be no BT fee too, as i said that the ONLY reason why i even signed up with NAB was because they were offering no BT fee. The cust rep put me on hold for a couple of min to check and then came back to tell me that yap, no BT fee. Asked to send email to confirm this. Said they cant do it. And well..

Well guess who got charged a BT fee when the balance transfer came through.

always do your own research in to products to find out what is best for you. i now only desl with the bank through email so if they do happen to 'fudge' the truth they will be held accountable to it.
the lower interest rate is great, expecially when you are going to be taking you time to pay ot off. the annual fee is reasonable too.
customer service with nab is a major problem. when i was looking at getting this card i had representitives telling me the rate was lower then what it was and there was no annual fee. i went away and did my own research and found the facts.

Worst banking experience ever..
I have banked with CBA and GE and they come up smelling like roses compared to NAB!!
Cheap no frills interest rate
Terrible, terrible customer service, banks are known for average service, yet the NAB are in a class of their own when it comes to bad service!! NAB successfully identified me over the phone, then refused point blank to tell me my current owing balance. Telling me to go to a local branch or wait for my next statement.Leaving me too anxious to spend on it for fear of going over limit. Who has time to goes to a branch in 2009??? Talk about backwards banking.

not a bad card. higher annual fee than some other nab cards. interest is lower on purchases as a result. no rewards system - cannot be attached to flybuys. additional card is free. if you bring your balance over from another institution you can get 0% interest for six months on this balance. however this does not apply to other nab cards. would like to see them rewards long term nab customers in a similar way
lower rate interest for purchases. interest free days
high interest rate on cash advances. although it has a lower rate on purchases i can still get cheaper interest by doing a balance transfer onto other cards

A card I would recommend to someone who can budget well and payout monthly balance.
Lower interest rate. No annual fees for me. No frills.