Low interest rates. Low annual fees. No bells and whistles you don’t really need. What would you do for a credit card like that — one that meets all of your needs with terms that don’t manage to give you a headache?

If you’d like simplicity and fair fees with your next credit card, the NAB Low Rate Visa might be the card for you. While the card does have a high interest rate for cash advances (like most credit cards do), the terms that apply most often to most users (purchase rates) are very low. If you mostly use your credit card for convenience rather than trying to earn rewards, this credit card could be a good fit.

Find out more about the NAB Low Rate Visa credit card below, and find out how straightforward credit card offers can really be.

Type of Credit Card: Balance transfer card / Low interest credit card / Low fee card

Interest Rates*: Not only can you save money with 0% interest on balance transfers for six months with the NAB Low Rate Visa credit card, but you can enjoy a low regular interest rate on purchases too — just 12.24%.

Be careful though. If you plan to use your new credit card for a balance transfer, remember that after your six month introductory period any unpaid portion of your balance transfer reverts to the cash balance interest rate of 20.74%.

Annual Fee*: This credit card features a low annual fee of just $49. You can even get an additional credit card on the account without having to pay any additional annual fees.

Rewards / Extras*: The NAB Low Rate Visa credit card does not have a rewards programme attached to it. However you will have access to NAB’s cardholder extras which include NAB Cellar Selections (to help you buy medal-winning, and hard-to-find wines), and access to Visa Entertainment perks to help you reserve tickets to the theatre or other live entertainment.

Additional Details*: This credit card features up to 55 interest free days, helping you save even more money than you’re already saving with the low interest rate on purchases.

Apply now!

* Interest rates, annual fees, and additional credit card details were taken from the most accurate data available at the time of writing. All rates and fees are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.