30,000 Bonus Points.

Apply by 30 April 2016 and spend $1,500 on everyday purchases within 90 days. Not available in conjunction with any other offer#.

Rates and fees

  • 19.99

    purchase interest rate

  • 21.74

    cash advance rate

  • 4.99

    balance transfer rate (up to 6 months)1

  • 95

    annual card fee

More rates and fees information

Benefits and features

Protection with insurance

  • Access to seven complimentary insurances including Overseas Travel Insurance3.

Enjoy premium service

Make quick, secure purchases

Enjoy the benefits of Visa


Other features

  • VIP Lost Card Cover (complimentary for the first 12 months).
  • Add a loved one as an additional cardholder at no extra cost. Just remember you’re still responsible for the card5.


1 flybuys point per $16

  • Collect 1 flybuys point for every $1 you spend on everyday purchases when you become a flybuys member.
  • Points are capped at $20,000 spend per statement period.
  • When you present your flybuys card and your NAB flybuys Rewards Card, you'll collect 1 point from NAB and 1 point from the participating flybuys partner.


Enjoy the benefits of platinum with these seven complimentary insurances3.

Here’s a brief summary, but you should read the NAB Card Insurance Policy Information Booklet (PDF, 391KB) for full details, including exclusions. You can also call QBE Insurance on 1800 187 025.

Overseas Travel Insurance

Cover for travel cancellation, overseas medical expenses, lost luggage (up to $20,000) or travel documents, rental vehicle excess, accidental death and disability, missed connections, personal liability, collision damage waiver, hijack and detention, and kidnap and ransom.

To qualify, use your NAB flybuys Rewards Card to purchase a minimum of $500 of your prepaid transportation, accommodation, and/or land tour costs and receive comprehensive Overseas Travel Insurance cover for overseas trips up to six months long.

Other eligibility criteria also apply.

Interstate Flight Inconvenience Insurance

You're covered if, during an interstate flight, your luggage is lost or delayed, or if you have to cancel or change an interstate flight due to serious illness.

Transport Accident Insurance

Cover if you or members of your family die, or are seriously injured, in an accident while travelling.

Domestic Hotel Burglary Insurance

You can be reimbursed up to $2,500 for loss of, or damage to, personal items due to burglary of your hotel/motel in Australia.

Purchase Protection Insurance

Protection for new items bought with your NAB flybuys Rewards Card, if they're stolen or accidentally damaged within 90 days of the date of purchase.

Extended Warranty Insurance

Buy a new domestic appliance in Australia using your NAB flybuys Rewards Card and you'll receive an extension of its original Australian manufacturer's warranty for up to 12 months.

Price Protection Insurance

Shop with confidence within Australia knowing you can be reimbursed the difference between the price you paid for a new item with your NAB flybuys Rewards Card and a lower printed advertised price for the same item.

Before you apply

It takes 10 minutes to complete

Get a response in 60 seconds.

New to NAB? Avoid branch queues and verify your ID online.

Get your card within 5-7 working days if approved.

Important information

# Offer commences 12 October 2015. To be eligible for the bonus Points offer, you must apply for a new NAB flybuys Rewards Card by 14 February 2016, be approved and spend $1,500 on everyday purchases within 90 days of opening your account. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. NAB may vary or end this offer. Points will be credited to the qualifying members account within 3 months of the purchase. Your NAB credit card account must be open at time of points fulfilment.

1The balance transfer rate will apply for a 6 month statement period from account opening. Any unpaid balance transfer will then attract your card's standard interest rate for purchase.

2 If you pay your account in full by the due date each month. You won’t receive interest-free days while you have a balance transfer.

3 The NAB card insurances is a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 to NAB. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). The terms, conditions and exclusions of the complimentary insurances are specified in the NAB Card Insurance Policy Information Booklet (PDF, 391KB) and the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 924KB)and may be amended from time to time. A qualifying purchase is required to get the benefits of the complimentary insurances.

4 This service is provided by International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. This is a brief overview of what your concierge offers—see the NAB Platinum Concierge Service terms and conditions (PDF, 234KB) for full details.

5 Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.

6 To collect flybuys points you must be a member of the flybuys program and have provided your valid membership number to NAB. Standard flybuys terms and conditions apply. Visit for details. The flybuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334.

Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees, subject to change. View Indicator rates for other personal lending. Correct as at 7 December 2015.

NAB Credit Card Terms and Conditions (PDF, 1.1MB)

Flybuys Rewards Points Terms and Conditions (PDF, 296KB)

NAB electronic banking (card based) Product disclosure statement (PDF, 303KB)

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 130KB)

Personal banking fees – A guide to fees and charges (PDF, 338KB)

Addendum – Personal banking fees – Amendment to A guide to fees and charges (PDF, 226KB)

Indicator rates for other personal lending

Credit cards issued by National Australia Bank Limited. © 2015 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

Apply now for your NAB flybuys Rewards Card

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