DEFCOM Credit Cards

Choose the card that suits you best

DEFCOM Protectors membership gives you a range of well-deserved benefits, including a choice of two NAB credit cards that are exclusive to DEFCOM Protectors. You don’t have to already be a NAB customer to apply. It's also easy to transfer your balance. ¹


Choice of Cards	DEFCOM Protectors MasterCard (which can be linked to FlyBuys)	DEFCOM Protectors Visa with an 'Always Lower' interest rate
Annual Percentage Rates	Purchases: 18.99% p.a., Cash Advances: 18.99% p.a. - both- 0.50% less than NAB’s Standard Card (Purchase) and (Cash Advance) Indicator Rates (which are both currently 19.49% p.a. and subject to change)³	12.50% p.a. Always Lower Interest Rate (applies to purchases and cash advances). The interest rate will always be lower than NAB's Standard Card (Purchase) and (Cash Advance) Indicator Rates (both currently 19.49% p.a.)²
Loyalty Program	Earn FlyBuys points towards fantastic awards	Linkage to a loyalty program is not available
Annual Fee	$30.00⁴	$35.00⁵
Interest Free Days	Up to 44 days interest-free on purchases⁶	Up to 44 days interest-free on purchases⁶
Balance Transfer	Transfer your balance from any other credit or store card accounts¹	Transfer your balance from any other credit or store card accounts¹
Scheme	MasterCard	Visa
	Click here for more information	Click here for more information

Please return your completed application to:

National Australia Bank
Reply Paid 4988
MELBOURNE VIC 8060

For product enquiries please call 1300 361 138

NAB, proudly supporting DEFCOM Protectors

¹	Excludes NAB Credit Card and Debit Card accounts. Terms and conditions apply.

Changes to an 'Always Lower' interest rate will be notified in accordance with the NAB Credit Cards Terms and Conditions. The margin between an ‘'Always Lower' interest rate’ and NAB’s Standard Card (Purchase) and (Cash Advance) Indicator Rates (both 19.49% p.a. as at 20 May 2010 and subject to change) may vary from time to time. NAB is under no obligation to change an ‘'Always Lower' interest rate’ when NAB’s Standard Card (Purchase) and (Cash Advance) Indicator Rates change. This rate is at 12.50% p.a. as at 1 October 2005 and is subject to change. Terms and Conditions are available upon application. Fees and charges apply.

³	Terms and Conditions are available upon application. Fees and charges apply.

⁴	The annual fee as at 1 April 2007 is $30.00 for a DEFCOM Protectors MasterCard and is subject to change.

⁵	The annual fee as at 1 October 2005 is $35 for a DEFCOM Protectors Visa with an 'Always Lower' interest rate and is subject to change.

⁶	Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers’ cheques).

Subject to NAB's standard credit assessment criteria. Subject to DEFCOM membership verification.

© 2005 National Australia Bank Limited ABN 12 004 044 937

Any advice contained on this webpage relating to DEFCOM Protectors credit cards has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this webpage, NAB recommends that you consider whether it is appropriate for your circumstances.

NAB recommends you consider the Product Disclosure Statement or other disclosure document, available from NAB, before making any decisions regarding any product.
National Australia Bank Limited ABN 12 004 044 937, is the product issuer, unless otherwise specified.