NAB Business Card Limits: Facility Limit vs Individual Card Limits
A cardholder limit and a facility limit solve different problems. The employee limit constrains one card; the facility limit controls the total credit available across the master account.
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The Facility Is the Master Account
NAB describes the facility as the master or billing account that carries the overall credit limit and consolidates card activity.
Individual Card Limits Sit Under the Facility
A cardholder can have a pre-set limit, with NAB’s current guidance describing a $1,000 minimum individual card limit in the facility structure.
Individual Limits Do Not Add Up to New Credit
If a $50,000 facility has only $4,000 of available capacity, employees cannot collectively spend more than that remaining capacity even if their individual card limits sum to a higher number.
Limit Governance
Employee limits should reflect role, procurement need and fraud exposure. Higher limits should be deliberate rather than a default convenience.
Primary Sources Used for This Guide
Product terms can change. These sources are included so readers can verify current information directly before making an important financial or security decision.