The Standard credit card from NAB is a card with some good features, but also a few others that are lagging behind and need to catch up. So let’s start with those…

Balance transfers are not available, which could be a fundamental fault to this card, as interest is quite high at 18.74% p.a. for both purchases and cash advances. It is made a little more acceptable when you consider the low annual fee ($30) and the addition of up to 44 interest free days, purchase protection and the FlyBuys rewards.

With purchase protection on the NAB Standard card, you’ll be covered for up to 90 days against loss, theft or damage to personal items purchased. You can also link your credit card to your FlyBuys account so you can earn FlyBuys points every time you use your credit card to make a purchase.

But wait – it doesn’t end there.

When you use your NAB Standard credit card to make purchases at FlyBuys participating retailers and businesses you’ll earn even more points. This is a free rewards system so you won’t be charged any extra by either NAB or FlyBuys. If you are travelling and need a helping hand then you can feel safe with the help of 24/7 emergency travel assistance.

As the name suggests there is not a lot else to this card, which means at the interest rate charged there aren’t many reasons to suggest this card over another. Maybe if they added another feature to balance out the interest rate, like more interest free days and the ability to transfer balances from other cards it might be a different story.

See our top credit card picks in the Editor’s Choice category

If you’ve ever lost your credit or eftpos card you’ll know how much of a hassle it is not having it. You have to go into the bank to get your money out, and a replacement usually takes a couple of weeks to arrive.

NAB knows this and has come up with the NAB Visa Mini. It’s a cute little mini credit card that you can use like a regular sized credit card in just about every way. So when you apply for a NAB Visa Mini credit card you’ll be issued with both the mini and the regular sized credit cards, with the mini coming in your choice of five colours.

While the standard-sized card can be used at ATM’s, swipe and non-swipe machines, the mini can only be used in swipe machines and not ATM’s, so if you do lose your standard-sized card you can still make purchases, but will have to go to the bank to get cash advances.

Interest is charged at 19.24% p.a. purchases, 18.74% p.a. for cash advances and also balance transfers after the six month introductory period (where interest is charged at 5.9% p.a.). The annual fee is nice and low at just $24 and it includes up to 55 days interest free (providing you pay your balance in full each month).

The NAB Visa Mini also has purchase protection for up to 90 days, and cash back allowances. You can get up to $10 per month refunded into your account, which is calculated at 0.5% of net purchases made during a statement period.

This cash back credit card from NAB obviously has it’s pro’s and it’s cons, but we can tell you this much for free…it looks cool! But in all seriousness, it is a pretty good credit card. Although 19.24% p.a. is not great for purchases, it redeems itself with the cash advance interest rate being 18.74% p.a. as well. The cash back option also brings it up a notch as it means if you are making enough purchases you can earn enough cash back to cover the cost of your annual fee.

See our top credit card picks in the Editor’s Choice category

Less is more. We’ve all heard it, but is it true?

Well in this case…no. Westpac has really dropped the ball with this no annual fee credit card.

This is a card with an extremely minimal amount of features. It has the $0 annual fee drawing you in, but then only a free additional card holder and 3.9% p.a. on balance transfers for the first 6 months to keep you hanging around. Both of these features are below average features that do not justify the price you pay in interest.

It could be (just) an ok credit card, but only if you are VERY strict with your spending and repayment habits ALL of the time because you’ll get hit with 18.99% p.a. on purchases and 20.499% p.a. for cash advances.

Sure, we know that banks need to make a profit somewhere, but with no interest free days to save you from the high interest rates, the numbers just don’t seem to match up.

Other cards such as the Bendigo RSPCA Rescue cards cover all areas rather than just forsaking everything other feature for a $0 annual fee and would be much more worthwhile in the long run. So would we recommend this card?

Put bluntly, no, we would not.

See our top credit card picks in the Editor’s Choice category