DEFCOM Credit Cards

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Visa card overview
Access to discounts
Interest and repayments
How to apply

DEFCOM Protectors Visa with an 'Always Lower' interest rate

This exclusive Visa card can really save you. Its interest rate (currently just 12.50% p.a.applies to purchases and cash advances) is always lower than NAB's Standard Card (Purchase) and (Cash Advance) Indicator Rates (both currently 19.49% p.a.).¹ Other features and benefits of the DEFCOM Protectors Visa with an 'Always Lower' interest rate include:

Up to 44 days interest-free on purchases²
$35 annual card fee³
The option to transfer your balance from any other credit or store card accounts⁴
The ability to link your card to your other NAB transaction accounts

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% pa. 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 the NAB Standard 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.

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).

³	The annual fee as at 1 October 2005 is $35 for a DEFCOM Protector's Visa with an 'Always Lower' interest rate and is subject to change.
⁴	Excludes NAB Credit Card and Debit Card accounts. Terms and Conditions apply.

Access to discounts

A DEFCOM Protectors Visa with an 'Always Lower' interest rate entitles you to complimentary membership of the NAB Cellar Selections.⁵ This opens the door to tempting savings on quality Australian wines.

You’ll also be able to access excellent seats for major concert, theatre and sporting events Australia-wide and overseas through Visa Entertainment. For further information on the latest events just visit www.visaentertainment.com.au⁶.

⁵	NAB Cellar Selcetions is operated by Australian Wine Selectors Pty Ltd. ABN 64 056 402 772.

⁶	Selected events. Service fee and conditions apply. Other fees and charges may also apply.

Visa Global Customer Assistance Services

If your DEFCOM Protectors Visa with an 'Always Lower' interest rate is lost or stolen then Visa emergency card replacement can replace it quickly. And Visa Global Customer Assistance Services can also help with emergency cash advances of up to USD5000, 24 hours a day, 7 days a week, anywhere in the world.

Interest and Repayments

Keeping track of your savings and expenses is easy with your DEFCOM Protectors Visa with an 'Always Lower' interest rate. You'll receive a fully itemised statement showing all your transactions each month, and among other information, the minimum amount you need to pay.

You only need to pay the minimum payment by the due date shown on your statement. Should you choose to spread your repayments over several statement periods rather than paying the closing balance of the statement by the due date, you’ll be charged interest on purchases from the date they are debited to your account until the account is paid in full. Interest-free days are reinstated when the closing balance on your statement is paid in full by the due date.

In the case of cash advances, interest is calculated daily from the date the cash advance is charged to your account until it is repaid in full. Full details on charges and interest calculation will be provided upon approval of your application.

There are 8 convenient repayment methods to choose from:

NAB Telephone Banking⁷
NAB Internet Banking
Via BPAY®⁸
At any NAB branch
Via a Direct Debit arrangment
At any NAB ATM⁹
At any Australia Post Outlet displaying the giroPost sign¹⁰
Or via mail

⁷	Cost of a local call. Mobile phone charges apply if calling from a mobile phone. For international access dial +61 13 22 65. Fees apply. Some billers may not accept BPAY from credit cards. Terms and Conditions apply and are available upon application. Fees and charges apply.

⁸	Terms and Conditions apply and are available upon application. Fees and charges apply.

⁹	Deposit Facilities are not available at some ATMs.

¹⁰	You will require a Personal Identification Number (PIN) to make repayments at Australia Post.

® Registered to BPAY Pty Ltd ABN 69 079 137 518.

How to apply

It's easy to begin enjoying the savings of a DEFCOM Protectors Visa with an 'Always Lower' Interest rate.

Download an application form Please return the completed application to:

National Australia Bank
Reply Paid 4988
MELBOURNE VIC 8060

N.B. No postage stamp required if posted in Australia.

Identification

If you aren't already a NAB customer, you'll need to visit one of our branches with 100 points of identification to open an account. This can include:

Passport (70 Points)
Birth certificate (70 Points)
Non-National credit card (25 Points)
Driver's Licence (40 Points)
Medicare card (25 points)

A complete listing of eligible forms of identification and their point value are available at any NAB branch. Or call the NAB Customer Service Centre on 13 22 65, 8am - 8pm EST, Monday to Friday.

Evidence of income

When applying, you'll also need to provide proof of income (e.g. your latest salary advice, tax return or a letter from your employer), and place of residence (e.g. a rates notice, or rental agreement).

Commission
DEFCOM Pty Ltd (ABN 55 010 906 699) will receive a commission from NAB of $5 when your new DEFCOM Protectors MasterCard is activated and issued. When purchases are paid for using your DEFCOM Protectors MasterCard, a commission of 0.16% is paid on the monthly turnover value of net retail purchase transactions (excluding cash advances)