NAB Standard Credit Card - Apply Online

	Key Features:
	Low annual card fee $301 Interest rate 18.74% p.a.1 Up to 44 days interest free on purchases3 Link to your FlyBuys membership at no extra cost2 Additional cardholder at no extra cost4 Available as a NAB Standard Visa Card or NAB MasterCard

Terms & Conditions
Approval is subject to NAB’s credit assessment criteria. Terms and conditions available on application. Fees and charges apply.

1. Interest rates and annual card fees are subject to change. Correct as at 12 January 2010.

2. Link your card to your FlyBuys membership at no additional cost. Minimum thresholds and standard FlyBuys terms and conditions apply. The FlyBuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334.

3. ‘Purchases’ exclude cash advances (including bills paid over the counter at a bank, financial institution or post office and the purchase of travellers cheques) and exclude where you use your NAB Standard Credit Card as a debit card to access linked accounts. Business transactions are also excluded; as are credit charges; annual or other Bank fees; government charges or unauthorised transactions for which the cardholder is not liable.

4. Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.

A Credit Card offers you great flexibility and convenience. But it's important to remember, like any debt, you will have to repay it. If you are unsure as to whether you will be able to manage repayments for a new credit card, then you should not consider taking up a NAB Credit Card at this point in time.