NAB Qantas Rewards Card

Your product at a glance

Make the most of your everyday purchases while getting rewarded with Qantas Points.

SPECIAL OFFER! On a new NAB Qantas Rewards Card

0 %
p.a.

on purchases FOR 15 MONTHS#

+

0 %
p.a.

on balance transfers
with a one off 2% BT fee FOR 15 MONTHS#

+

10 ,000 Bonus Qantas Points
when you make an everyday purchase within 90 days^

Rates and fees

Standard
purchase rate
19.99 % p.a.
Balance transfer1 0 % p.a.
for 15 months*
Cash advance rate
21.74 % p.a.
Annual card fee $95
Minimum credit limit $500
Interest-free days on purchases2 up
to
44

SPECIAL OFFER! On a new NAB Qantas Rewards Card

0 %
p.a.

on purchases FOR 15 MONTHS#

+

0 %
p.a.

on balance transfers
with a one off 2% BT fee FOR 15 MONTHS#

+

10 ,000 Bonus Qantas Points
when you make an everyday purchase within 90 days^

Rates and fees

Standard
purchase rate
19.99 % p.a.
Balance transfer1 0 % p.a.
for 15 months*
Cash advance rate
21.74 % p.a.
Annual card fee $95
Minimum credit limit $500
Interest-free days on purchases2 up
to
44

Card features

Two cards linked to one account gives you the benefits of both MasterCard and American Express.

Goods bought with your card are protected from loss, theft or accidental damage for up to 3 months5.

Enjoy great offers and discounts through Amex Connect and MasterCard Priceless Cities™.

All NAB credit cards come with these great benefits

Fraud protection

NAB Defence detects fraudulent transactions. If fraud occurs, we’ll give back all your money.

Online security

MasterCard SecureCode™ and American Express SafeKey® reduce online fraud by confirming your identity with a password.

Another card?

Add an additional cardholder at no extra cost6.

Emergency assistance

We’re here for you 24/7 if your credit card is lost or stolen.

Contactless payments

Make payments under $100 by tapping your credit card

Tools and calculators

Purchase Protection Insurance

Use your card to pay for a new personal retail item in full and if it's lost, stolen or accidentally damaged any time in the next 90 days you're covered for the cost of repairing or replacing it.

There are some limits and exclusions – see the Purchase Protection Insurance Policy Document (PDF 168kb). This insurance is supplied by Chubb Insurance Company of Australia.

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Not the right card for you?

Our fastest way to earn Qantas Points on everyday purchases while enjoying platinum benefits.

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Accelerate your Velocity Points and enjoy the extra benefits of platinum.

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Make the most of our low annual card fee and also earn Velocity Points on everyday purchases.

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Important information

# Special offer
Offer commences 2 May 2016 and may be withdrawn at any time. Offer only available to new approved NAB credit card customers who apply by 2 October 2016. Terms, conditions, fees, charges and lending criteria apply. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB card offer. The special promotion must be applied for at the point of full card application. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Minimum monthly repayments must be made by the due date each month. The special purchase rate and balance transfer rate will apply for a 15 month statement period from account opening. After the promotional period, your card’s standard purchase rate applies (subject to change) see http://www.nab.com.au.

^ Bonus Points
To be eligible for the Bonus points offer, you must apply for a new NAB Qantas Rewards Card, be approved, and make an everyday purchase 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 meeting the spend criteria.

1 Balance transfer

The balance transfer rate will apply for a 15 month statement period from account opening. Any unpaid balance transfer will then attract your card's standard interest rate for purchase. Minimum monthly repayments must be made by the due date each month.

2 Interest free days

If you pay your account in full by the due date each month and you don't have an outstanding balance. You won’t receive interest free days while you have a balance transfer.

3 Qantas Points

Points will be allocated on a tiered basis over each statement period. First on your NAB Qantas Rewards American Express Card spend, then on your NAB Qantas Rewards MasterCard®. Points are capped at $20,000 spend per statement period.

4 Join and redeem Qantas Points

To earn and redeem Qantas Points using your NAB Qantas Rewards Card, you must be a member of the Qantas Frequent Flyer program and have provided your valid membership number to NAB. Points are offered in accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions. If you are not already a Qantas Frequent Flyer member, NAB has arranged for the joining fee to be waived if you apply and receive a NAB Qantas Rewards Card and join through qantas.com.au/joinffnab. Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com.au/terms.

You will earn 1 Bonus Point for every dollar charged to your Card Account for the purchase in Australia of the following services directly from Qantas (ie. where Qantas, and not its agent, is identified as the merchant on the credit card transaction):

  • Qantas flights
  • Qantas Club and Qantas Frequent Flyer memberships, and
  • purchases from 'Qantas Travel' customer shopfronts.

Unless otherwise notified, Bonus Points will not be earned in relation to purchases from:

  • Qantas Freight
  • Qantas Holidays Ltd
  • Qantas Business Travel Pty Ltd
  • other businesses or franchisees of Jetset Travelworld Ltd
  • Qantas Staff Travel
  • Jetstar Airways Pty Ltd
  • other Jetstar-branded businesses, or
  • for goods or services supplied by Qantas Frequent Flyer program partners.

5 Insurances

A qualifying purchase is required to get the benefits of the complimentary insurance. See terms, conditions and exclusions of the complimentary insurances are specified in the NAB Card Insurance Policy Information booklet (PDF, 391KB) and in the NAB Purchase Protection Insurance policy information booklet (PDF, 924KB) and may be amended. The complimentary insurances is issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 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).

6 Additional cardholder

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

American Express

American Express and American Express SafeKey are registered trademarks of American Express. The NAB Qantas Rewards American Express Card is issued by National Australia Bank pursuant of a licence from American Express.

MasterCard

MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Priceless Cities and SecureCode are trademarks of MasterCard International Incorporated.

Fees and charges

Terms and conditions available here. 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. Correct as at 2 May 2016.

Credit cards issued by National Australia Bank Limited. ©2016 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

Forms and links

NAB Credit Card Terms and Conditions (PDF, 455KB)

NAB Qantas Credit Card account – Reward Terms and Conditions (PDF, 305KB)

NAB electronic banking (card based) Product disclosure statement (PDF, 324KB)

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

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

Indicator rates for other personal lending