If you have a NAB credit card, you might not be enjoying all its features. You may have added extras sitting there not being used.

Give me the main points

  • Maximise your rewards points with a specific rewards scheme credit card.
  • Depending on your credit card, you may be eligible for a range of complimentary insurances.
  • Our Premium credit cards come with a range of concierge services, for whenever you need assistance.
  • Getting your credit card in a package could save you on fees.
  • We’ve partnered with Visa and MasterCard® to give you added online security.

Get more out of your credit card

There’s more to a NAB credit card than just making purchases. They have a range of features that you may not be using. Here we’ll run through a few for you.

How to make the most of your interest free days

To maximise your interest-free days, you need to understand how it works. Your NAB credit card comes with an interest-free period of “up to 44 days” (most of our cards) or “up to 55 days” (NAB Low Rate Card only). These periods run from the start of your statement cycle to your statement’s due date. We go into it in a lot of detail over at how to avoid paying interest. Have a read.

Earn rewards points on purchases

We’ve partnered with three rewards partners across our cards so you can earn points on your purchases. These include Velocity Frequent Flyer™ (Virgin), Qantas Frequent Flyer™ and flybuys™. You can redeem these points for flights, accommodation, car hire, and a range of merchandise (which, of course, is subject to eligibility criteria, terms and conditions, and fees and charges apply).

Get assured with complimentary insurances

Available when you meet eligibility criteria on the following premium cards: NAB Premium Card, NAB Velocity Rewards Premium Card, NAB Qantas Rewards Premium Card and NAB flybuys Rewards Card.1

If you spend $500 or more on your NAB premium card on prepaid transport, accommodation or/and land tour costs before you leave, you could be covered for travel cancellation, overseas medical expenses, lost luggage or travel documents.1,2

Some of our NAB premium credit cards come with a range of complementary insurances (again, when you meet eligibility criteria1).

Overseas Travel Insurance

Your basic travel insurance. This could cover you for travel cancellation, overseas medical expenses, lost luggage or travel documents when you meet the eligibility criteria and spend $500 or more (on your NAB premium card) before you travel on prepaid transport, accommodation or/and land tour costs.1,2

Transport Accident Insurance

Sometimes the worst happens. If you pay for your transport costs in full on your NAB premium card, you could have cover if you, your accompanying spouse or dependent children die or are seriously injured in an accident while travelling as a passenger.

Interstate Flight Inconvenience Insurance

If you pay for your return interstate airfares in full on your NAB premium card prior to departure, you could be covered if your luggage is lost or if you’re delayed. This also includes if you have to cancel or change an interstate flight due to serious illness, injury or death. You also may be covered for any rental vehicle insurance excess.

Domestic Hotel Burglary Insurance

Again locally. Pay for or secure 100% of your hotel accommodation costs on your NAB premium card and you could be reimbursed up to $2,500 for loss of, or damage to, personal items due to burglary of your hotel/motel during an Australian trip.

Purchase Protection Insurance

You could be covered if new items purchased with your NAB premium card are lost, stolen or accidentally damaged within 90 days of the date of purchase.

Extended Warranty Insurance

If you buy a new domestic appliance with your NAB premium card in Australia, you could receive an extension of its original Australian manufacturer's warranty for up to 12 months.

Price Protection Insurance

Shop with confidence. You could be reimbursed the difference between the price you paid for a new item on your NAB premium card (within Australia) and a lower printed advertised price for the same item.

If you’re looking for more information about your level of cover, check out our NAB Card Insurance policy information booklet (PDF, 370KB).

Enjoy Platinum Concierge Services

Available on NAB Premium Card, NAB Velocity Rewards Premium Card, NAB Qantas Rewards Premium Card and NAB flybuys Rewards Card. 3

This is what premium is all about. Enjoy a range of platinum services with your NAB premium credit card.

Travel services

When you're travelling or intending to travel, we’ll help with:

  • planning and booking your trip
  • organising medical or legal services while you're travelling.

Lifestyle services

We also offer different types of personal assistance, including:

  • finding, booking and delivering tickets for sporting events, shows and concerts
  • car and limousine rental
  • reservations at hotels, health clubs and golf clubs
  • flower delivery
  • party planning
  • entertainment ideas, dining referrals and much more.

Combine your products

While not strictly a credit card feature, you can combine your credit card with other products. Doing this means you’ll only pay one annual fee for all your products. We call this the NAB Choice Package.

Features at a glance

  • You pay $395 per year, which includes all your chosen products. That’s one fee for everything.
  • You can get a discount on home loans over $250,000.
  • There are no application or monthly service fees. And no annual credit card fees.

For more information, check out our NAB Choice Package terms and conditions (PDF, 268KB)

Feel secure with extra features

Verified by Visa and MasterCard® SecureCode

You needn’t be nervous when shopping online. Verified by Visa and MasterCard SecureCode are an extra layer of security for online purchases. They provide an extra layer of validation to help protect against unauthorised transactions.

Look for your Online Shopping ID (OSID) on the back of your card. This does away with hard-to-remember PINs or passwords. If your card doesn’t have an OSID, you can provide your NAB ID (also on the back of your card) or other personal information.

Important information

1. 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, 371KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 261KB) and may be amended. The complimentary insurances is 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).

2. To qualify, use your NAB premium card to purchase a minimum of $500 of your prepaid transportation, accommodation, and/or land tour costs and receive complimentary Overseas Travel Insurance cover for overseas trips up to six months.

3. This service is provided by Visa Worldwide Pty Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Platinum Concierge Service terms and conditions (PDF, 234KB) for full details.

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 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. Information, including interest rates and annual card fees, subject to change. Correct as at 04/08/2016.

Credit cards issued by National Australia Bank Limited.

©2016 National Australia Bank Limited ABN 12 004 044 937 AFSL & Australian Credit Licence 230686.

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