New
Earn Velocity Points

Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.

  • Convert 2 NAB Rewards Points into 1 Velocity Point. 

  • Enjoy hassle-free automatic redemption, which transfers your NAB Rewards Points direct into your Velocity account each week.

To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page.
To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB.
Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time.

Unlock offers for existing customers

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more.

Here's how to get started:

  • Log into the NAB app or NAB Internet Banking.

  • For NAB app users go to New account, then 'Credit Cards'.

  • For Internet Banking users go to Products, then ‘Credit Cards’.

  • Browse available offers on eligible new NAB credit cards.

New to NAB Internet Banking? Register now, opens in new window

Upcoming changes

Personal credit card changes

From 18 April 2024, we’re making changes to personal credit cards and some updates to the terms and conditions.

Learn what’s changing

We’re changing NAB Rewards Signature

The benefits, NAB Rewards Points earn rates and fees of the NAB Rewards Signature card are changing. If you take out this card, the changes will automatically apply to your card on and from 12 June 2024.

Learn what's changing

Compare our NAB Rewards credit cards

Compare our rewards credit cards to find a card that suits you. Both cards offer the chance to earn bonus points and enjoy great benefits, but have different offers, minimum credit limits and fees.

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances.

Minimum credit limit

$6,000

Annual card fee

$ 195 p.a.

Variable purchase rate

20.99 % p.a.

On 18 April, Points Boosts on NAB Rewards Platinum is changing.

Benefits
  • Complimentary insurances, including international travel insurance

  • Earn up to 3 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Considerations
  • Higher interest rates compared to our NAB Low Rate Card.

  • Lower point earn rate compared to our NAB Rewards Signature Card.

  • Higher annual fee compared to some of our other cards.

  • NAB Rewards Points cannot be used to redeem Qantas Points.

Not the right card for you? We can help you choose a different one.

Offer

100,000 bonus NAB Rewards Points 

  • 80,000 bonus points when you spend $1,000 on everyday purchases within the first 60 days of account opening and 20,000 bonus points when you keep your card for over 12 months. That’s enough for $480 in gift cards.

  • You’ll also enjoy a reduced annual card fee (from $195 to $45) for the first year.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response

Our highest NAB Rewards Points earn rate with platinum services and complimentary insurances.

Minimum credit limit

$15,000

Annual card fee

$ 295 p.a.

Variable purchase rate

20.99 % p.a.

Benefits
  • Complimentary insurances, including international travel insurance

  • Earn up to 3.75 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Considerations
  • Higher interest rates compared to our NAB Low Rate Card.

  • Higher annual fee compared to our other cards.

  • NAB Rewards Points cannot be used to redeem Qantas Points.

Not the right card for you? We can help you choose a different one.

Offer

160,000 bonus NAB Rewards Points 

  • 120,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 40,000 bonus points when you keep your card for over 12 months. That’s enough for $780 in gift cards.

  • You’ll also enjoy a reduced annual card fee (from $295 to $145) for the first year.

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response

Benefits of a NAB Rewards credit card

Enjoy complimentary insurances , earn uncapped NAB Rewards Points and redeem your points to suit you.

Transfer for frequent flyer and rewards programs

With NAB Rewards, you’re not limited to travelling with just one airline. Redeem your rewards with a great range of travel partners (including Cathay Membership Programme, KrisFlyer and Airpoints).TM Excludes Qantas Frequent Flyer Program.

Earn uncapped NAB Rewards Points

There is no limit to the amount of rewards points you can earn each month.

Complimentary insurances

Receive complimentary travel and purchase insurances with your NAB Rewards cards.

Redeem your NAB Rewards Points

Earn points on everyday purchases and redeem from a wide range of items in our NAB Rewards Store, opens in new window.

Some of the rewards you’ll be able to redeem are:

  • Gift cards  redeem from a range of popular brands including Coles, Woolworths, Bunnings, JB HiFi and more.

  • $50 cashback – redeem 12,500 NAB Rewards Points and get cashback directly into your NAB bank account or NAB Rewards card.

  • Webjet – redeem rewards points directly with Webjet for domestic and international flights, selected hotels and holiday packages.

80,000 NAB Rewards Points will get you $400 with Webjet. Book any seat, on any airline, at any available time. Simply login to the NAB Rewards Store to redeem your points with Webjet directly.

  • Mix & Match different domestic and international airlines for their departing and returning flights within the same booking

  • Compare airlines and Mix & Match deals

  • Book flights, hotels and packages in one transaction

  • Flexibility to combine one-way sales fares with any airline

  • Lock in your airline price with Webjet’s Booking Price Guarantee

Shop and earn NAB Rewards Points

Be rewarded every time you spend on a NAB Rewards credit card at selected stores (in-store or online), make online purchases with Webjet or when you use your card overseas.

  • Earn double points – double your points at major department and hardware stores online and in-store (including Kmart, Myer, David Jones and more).
  • Earn triple points – triple your points on purchases made online with Webjet, purchases made overseas while traveling or overseas purchases made from within Australia.

On 18 April, Points Boosts on NAB Rewards Platinum is changing.

Redeem your rewards points with our partner options

Set up automatic redemption to have your points automatically sent to your flybuys or Velocity Frequent Flyer account each week. You can also transfer your NAB Rewards Points to KrisFlyer, Cathay Pacific and Airpoints.

Visit the NAB Rewards Store to redeem your points

View and redeem your points in three simple steps.

  1. Log into NAB Internet Banking or the NAB app and go to Cards.

  2. Select your NAB Rewards card and you'll be able to see your points.

  3. Select Redeem points and you'll be taken to the NAB Rewards Store.

Remember, your points expire three years after they were earned.

How do I transfer my NAB Rewards Points?

Transfer your points in three easy steps.

  1. Log into internet banking or your NAB app

  2. Go to My Cards, select your NAB Rewards Card and click ‘Redeem points’

  3. Select Travel, and then ‘Airline Partner Programs’

You can also set up automatic redemption with flybuys or Velocity to have your NAB Rewards Points balance transferred every week into your account. Set this up in your profile on the NAB Rewards Store.

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

Terms and Conditions

Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. IOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.

Fees and charges
Read our credit card terms and conditions. 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 13 February 2024.

Credit cards issued by National Australia Bank Limited.

NAB Credit Card Terms and Conditions

NAB Electronic Banking (card based) terms and conditions

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB), opens in new window

Personal banking fees – A guide to fees and charges (PDF, 177KB), opens in new window

Indicator rates for other personal lending products