Cards that reward every spend
Whether you want cashback on everyday purchases, air miles on your travels, 0% on a balance transfer, or a card to build your credit score from scratch, Nobil Trust Bank has the right card for you, with no surprise fees.
Not sure which card is right for you?
Compare cashback, 0% balance transfer periods and annual fees side by side, then check your eligibility in 60 seconds with a soft search that leaves no mark on your credit file.
Check my eligibilityFind the card that suits you
Every Nobil Trust Bank card comes with contactless payments, app-based controls, instant freeze, and 24/7 fraud monitoring. Choose based on what you value most.
Nobil Trust Bank Rewards Card
Our flagship credit card rewards you on every single purchase. Earn 1.5% cashback on all eligible spend, rising to 3x reward points on travel and dining, with no cap and no categories to track.
- 1.5% cashback on all eligible purchases
- 3x reward points on travel and dining
- No foreign transaction fee worldwide
- Free travel insurance on qualifying bookings
- Up to 56 days interest-free on purchases
- Contactless and Apple/Google Pay enabled
Balance Transfer Card
If you are paying interest on balances held elsewhere, our Balance Transfer Card gives you up to 24 months at 0% interest to pay off what you owe, with no balance transfer fee if you move within 60 days of opening your account.
- 0% interest on balance transfers for 24 months
- No balance transfer fee within 60 days of opening
- No annual fee
- Set a monthly repayment plan in the app
- Instant balance transfer request via the app
- Free credit score monitoring included
Student Credit Card
Designed specifically for students and young adults building their credit history for the first time. A low credit limit keeps spending manageable, while responsible use builds your score for future financial milestones like a mortgage or car finance.
- Credit limit from $300 to $1,500
- Free credit score monitoring in the app
- No annual fee
- Real-time spending alerts and app-based limits
- Available to students in full-time education
- Automatic credit limit review after 12 months
Business Credit Card
Expense management for companies of every size. Configurable per-employee spending limits, virtual card issuance for online purchases, automatic categorisation of expenses, and direct integration with Xero, QuickBooks, and Sage.
- Configurable spending limits per employee
- Instant virtual card issuance
- Automated monthly expense reports
- Accounting software integration
- 1% cashback on all business spend
- No personal liability for employees
Compare all cards
A clear view of what each card offers so you can pick the right one without reading the small print.
| Feature | Rewards Card | Balance Transfer | Student Card | Business Card |
|---|---|---|---|---|
| Annual Fee | $0 | $0 | $0 | $0 |
| 0% Purchase Period | 3 months | 3 months | 3 months | - |
| 0% Balance Transfer | - | 24 months | - | - |
| Cashback / Rewards | ✓ 1.5% | - | - | ✓ 1% |
| Foreign Transaction Fee | None | 2.99% | 2.99% | None |
| Travel Insurance | ✓ Included | - | - | ✓ Included |
| Credit Score Monitoring | ✓ | ✓ | ✓ | - |
| App Controls | ✓ | ✓ | ✓ | ✓ |
| Apple / Google Pay | ✓ | ✓ | ✓ | ✓ |
| Min. Credit Limit | $1,000 | $1,000 | $300 | $5,000 |
| Representative APR | 22.9% | 22.9% | 29.9% | 18.9% |
Representative example: If you spend $1,200 at a purchase rate of 22.9% p.a. (variable) with the Nobil Trust Bank Rewards Card, your representative APR is 22.9% (variable). Credit is subject to status. The rate you are offered may differ. Nobil Trust Bank is authorised and regulated by the Financial Conduct Authority.
Apply in minutes, spend today
Our eligibility check takes 60 seconds, leaves no mark on your credit file, and shows you the cards you are likely to be accepted for before you formally apply.
Check eligibility
Answer a few quick questions. We run a soft credit search that does not affect your credit score and show you which cards you qualify for.
Choose your card
Compare the cards you are eligible for and pick the one that best matches your spending habits and financial goals.
Full application
Complete your full application in the app. We run a credit check at this stage. Most applications are decided within 60 seconds.
Get your card
Upon approval, your virtual card is available instantly in the Nobil Trust Bank app. Your physical card arrives by post within 3–5 working days.
Every card, every protection
Regardless of which card you choose, every Nobil Trust Bank card comes with the same core features and protections as standard.
Section 75 Protection
All purchases over $100 and under $30,000 are protected under Section 75 of the Consumer Credit Act, giving you a direct claim against Nobil Trust Bank if a retailer fails.
Instant Freeze
Lost your card? Freeze it instantly from the Nobil Trust Bank app with one tap. Unfreeze it just as quickly when you find it, or request a replacement with next-day delivery.
Real-Time Alerts
Get an instant push notification every time your card is used. Unauthorised transaction? Dispute it directly from the notification with one tap. Fraud response in under 60 seconds.
Virtual Cards
Generate a one-time virtual card number for any online purchase. Protect your real card details and set per-transaction spending limits on virtual cards.
Card questions answered
Ready to apply for a Nobil Trust Bank card?
Check your eligibility in 60 seconds, no impact on your credit score. Get an instant decision on your full application.
Nobil Trust Bank is authorised and regulated by the Financial Conduct Authority. Credit is subject to status and eligibility. Representative APR is based on a credit limit of $1,200 for the Nobil Trust Bank Rewards Card. The rate and credit limit you are offered may differ. Missing payments can affect your credit score. Always repay at least the minimum monthly payment. Think carefully before spending on a credit card if you are not confident you can repay the balance in full or within the interest-free period.