# Important information

# Offer commences 12 October 2015. The one off balance transfer fee of 2.5% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed.

1 The balance transfer rate will apply for a 6 month statement period from account opening. Any unpaid balance transfer will then attract your card's standard interest rate for purchase.

2 If you pay your account in full by the due date each month. You won’t receive interest-free days while you have a balance transfer.

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

Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees, subject to change. View Indicator rates for other personal lending. Correct as at 16 November 2015.

Credit cards issued by National Australia Bank Limited. © 2015 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.