NAB Visa Mini

Key benefits of NAB Visa Mini - Click4Credit Overview

This NAB credit card is a cashback card which pays the user back for the purchases made on the card. When an NAB credit card holder uses his cashback card, he/she is likely to earn up to A$10 per month which can amount to A$120 for a year.

Another notable feature of this credit card is its low annual fee. Being a cashback card with innumerable added features, this NAB credit card charges a mere A$24 for the annual fee.

For the low annual fee that it charges, it comes at a standard interest rate of 18.99%p.a. This low annual fee card offers up to 55-day interest free grace period on purchases.

The cashback card assures secure online shopping when it is registered with the �Verified by Visa� sign. Other privileges of the Visa card including Visa Entertainment are also included in this low annual fee card.

Other benefits which can be availed by the NAB credit card holder are;

• 5 attractive metallic colours to choose from
• One Complimentary credit card
• Phone and Internet banking convenience
• Emergency card Replacement
• Insurance cover for Purchase protection
• An extra accessories kit
• Privilege of NAB cellar selection

Important Information

Approval is subject to NAB�s credit assessment criteria. Terms and conditions available on application. Fees and charges apply. NAB offers a range of credit cards which may not be described here. For more information, please visit nab.com.au/creditcards.

1. Annual card fees are subject to change. Correct as at 24 December 2007. View full details of fees and charges at nab.com.au

2. �Purchases� Exclude cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers cheques). Interest free days 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 account. Purchases included in the cash back calculations are described in the terms and conditions which are available on application or at nab.com.au

4. National Australia Bank Limited has obtained NAB Gold Overseas Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance under Master Policies issued by American Home Assurance Company ABN 67 007 483 267, AFSL 230903, trading as AIG Australia. The benefits are extended to NAB Gold Card cardholders. The terms, conditions and exclusions of NAB Gold Overseas Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance are specified in the NAB Gold Insurance Policy Document [PDF 234kb] (opens in a new window) and may be amended from time to time.

5. Minimum spend thresholds and standard FlyBuys terms and conditions apply. The FlyBuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334.

6. You must provide NAB with your valid Velocity Membership Number to enable points to be credited to your Velocity Rewards Account. If you are not a Velocity Member, you can join by visiting velocityrewards.com.au. Velocity Membership and Points earn and redemption are subject to Velocity Terms and Conditions, as amended from time to time, and available at velocityrewards.com.au. The Velocity Program is operated by Velocity Rewards Pty Ltd ACN 116 089 448 as trustee of The Loyalty Trust.

7. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and purchases of travellers cheques) or when a Velocity NAB Credit Card is used as a debit card to access linked accounts or transactions we decide are wholly or partly for a business purpose. Also excludes fees and charges (including government fees and charges), interest charges, transactions which are disputed, fraudulent or involve abuse of your Velocity NAB Credit Card account, payments, and purchases which are refunded or reimbursed.

8. Velocity Points do not expire as long as your Velocity Rewards Account remains active.

A credit card offers you great flexibility and convenience. But it is 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 time.