Velocity NAB Credit Card - Apply Online

	Key Features:
	3.99% p.a. on balance transfers for up to 6 months Velocity is the loyalty program partnered by Virgin Blue Airlines6 Up to 44 interest-free days on purchases2 Standard interest rate of 18.99% p.a.2 Two credit cards for each account: a Velocity NAB American Express® Card and a Velocity NAB Visa Card Earn Velocity Points on your everyday spend7, with no cap or expiry8 on your Velocity Points. One annual card fee, one statement and one monthly payment Annual card fee of $65 for Velocity NAB Standard Credit Card, and $150 for Velocity NAB Gold Credit Card1

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

1. Annual card fees are subject to change. Correct as at 19 May 2008. 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.

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.