Key Features:
	5.9% p.a. on balance transfers for up to 6 months A very low annual card fee of $241 Choose from 5 unique metallic colours Up to 55 interest free days on purchases2 Up to $120 cash back to your account every year3 2 cards, 1 simple account Mini card Use your mini card in all swipe card machines or swipe EFTPOS machines.4 Companion card Standard size card for use in ATMs, non-swipe and swipe machines as well as manual card imprinters. Interest rate of 19.49% p.a.1 Comes with phone attachment and other great accessories Additional cardholder at no extra cost5

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

1. Annual card fee and interest rates are correct as at 16 March 2010 and subject to change.
2. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers cheques). Up to 55 days interest free on purchases if you pay your account in full by the due date each month.
3. Cash back is calculated as 1% of net purchases made during a statement period and is credited directly to your NAB Visa Mini Card account. Cash back to your account is capped at $10.00 per statement period. Purchases included in the cash back calculation are described in the terms and conditions which are available on application.
4. The NAB Visa Mini Card must not be used in terminals that require full card insertion, such as ATMs, dip terminals or in a manual imprinter. The standard size companion card issued with a NAB Visa Mini account should be used wtih these devices.
5. 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.