NAB shareholder advantages

Benefits, privileges and options

NAB shareholder advantages is an exclusive range of National Australia Bank Group financial products and services offering preferential rates, reduced fees and special terms on a range of our services.

NAB shareholder advantages recognises the special role that shareholders play in helping the NAB achieve success and gives them one more way to share in that success by helping shareholders save on both time and money in day to day banking and borrowing.

To qualify for the NAB shareholder advantages benefits, shareholders must hold a minimum of 500 ordinary fully paid shares in the bank and be a resident of Australia.

Your benefits at a glance:

receive a bonus rate* of either:
- 0.25%p.a. above rates for standard term deposits, or
- 0.10%p.a. above rates for blackboard specials
^{*If you invest between $10,000 and $250,000 for periods of 6 months or more}
Annual card fee waived on selected credit cards⁸
No application fees on NAB FlexiPlus Mortgage and NAB Tailored Home Loans

Accessing your benefits

Existing shareholders with 500 or more ordinary fully paid National Australia Bank Limited shares should have a National Shareholders Identification Card. If you are a shareholder with less than 500 shares, you will receive a card if you increase your shareholdings to 500.

You can take up as many or as few of the services as you wish under the National Shareholders' Package. To get started simply visit your NAB branch with your Shareholder Card. Alternatively, you may wish to contact us by email or telephone on 13 13 12 (or IDD +61 13 13 12 ).

More information about NAB services and products

Some of the benefits, such as your advantages on selected NAB Tailored Home Loans, extend to your partner/spouse or children. So you can give significant financial assistance to those you care for most.

Find out more details on current interest rates and home loans. You can also download an Authority to Disclose Information to National Australia Bank (pdf). Fees and charges are payable. Full details of fees and charges and relevant terms and conditions for all products are available on application.

Instant identity when it counts

Your NAB Shareholder Card will identify you to all NAB staff as qualifying for the benefits outlined in this brochure. If you have any queries regarding the
benefits, simply call 13 13 12.

You also have access to an automated Shareholder Information Line, 24 hours a day, 7 days a week on 1300 367 647, which provides secure, convenient access to information on holding balances and dividend payment details. For access to your share details enter your shareholder number on your dividend payment advice (this is different to your NAB Shareholder Card number.)

Nominee Appointment Advice form

The purpose of the Nominee Appointment Advice form is for an entity to nominate a person to receive the NAB shareholder advantages card. Only one person may be nominated per company, trust or entity, a separate appointment form must be completed where more than one entity is registered in a joining holding.

Important information about NAB Shareholder Advantages

A shareholder must be a natural person(s) who is a resident of Australia:
- and owns 500 ordinary fully paid National Australia Bank Limited (Bank) shares; or
- is nominated by a company, trust or incorporated body that owns 500 ordinary fully paid Bank shares. A company, trust or incorporated body can nominate one natural person who is a resident of Australia to receive the full benefits of the package.
This is only a brief summary of the benefits and exclusions that may apply. Purchase Protection Insurance is available on NAB Gold and Platinum credit cards. The terms, conditions and exclusions of Purchase Protection Insurance are specified in the Purchase Protection Insurance Policy Document and may be amended from time to time. Also NAB has obtained Purchase Protection Insurance under a Master Policy issued by Chubb Insurance of Australia Limited.
This is only a brief summary of the benefits and exclusions may apply. Lost Card Cover and VIP Lost Card Cover are provided by Secure Sentinel. Lost Card Cover is provided for NAB Low Rate, NAB Low Fee, Velocity NAB Standard, and NAB Qantas Card. Membership is available for a fee. VIP Lost Card Cover is available for NAB Visa Gold, NAB Gold MasterCard, Velocity NAB Gold Card and NAB Qantas Gold Card cardholders. VIP Lost Card Cover is complimentary for the first 12 months for Gold Credit Card cardholders.
Approval for a NAB credit card is subject to NAB’s credit assessment criteria. Terms and conditions are available on application. Other fees and charges apply.
Shareholder benefits do not apply to Base Variable Rate Home Loans, or Introductory Rate Home Loans, or in conjunction with any other package offered by NAB, including NAB Choice Package, Private Tailored Package and NAB Defence Force Home Loan.
These insurance covers are subject to terms and conditions and exclusions apply. Please refer to the policy document for the full terms and conditions and exclusions.
MLC Personal Protection Portfolio (PPP) is issued by MLC Limited ABN 90 000 000 402 (MLC), AFSL 230694 of 105-153 Miller Street, North Sydney NSW 2060, a member of the National group of companies. Information about MLC PPP is contained in the current Product Disclosure Statement (PDS), copies of which are available by calling 1300 558 863 or visiting the MLC website at mlc.com.au. Applications for MLC PPP are subject to acceptance by MLC and must be made on an application form accompanying or attached to the current PDS. An MLC PPP policy does not represent a deposit with or a liability of National Australia Bank Limited or any other member of the National group of companies (other than a liability of MLC as insurer). Neither the National nor any other member of the National group of companies (other than MLC as insurer) guarantees or accepts liability in respect to MLC PPP.

The advice provided with respect to MLC Personal Protection Portfolio has been prepared by MLC without taking into account your objectives, financial situation or needs. As such, before acting on this advice, MLC recommends that you consider whether it is appropriate for your objectives, financial situation and needs. MLC recommends that you obtain financial advice specific to your situation before making any financial investment or insurance decision. You should obtain a copy of the MLC PPP PDS and consider the information contained therein before making any decision about whether to acquire or continue to hold any insurance or financial product.
Velocity NAB Standard card and Velocity NAB Gold card are excluded from the NAB Shareholders package