NAB Qantas Gold Card

Important Information

1. To earn points using your NAB Qantas Credit Card Account, you must be a member of the Qantas Frequent Flyer program. A joining fee applies. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. For more information visit qantas.com/frequentflyer.
2. Eligible purchases exclude cash advances (including bills paid over the counter at a bank, financial institution or post office and purchases of travellers cheques) or when the card is used as a debit card to access linked accounts or transactions we decide are wholly or partlyfor a business purpose. Also excludes fees and charges (including government fees and charges), interest charges, transactions which are disputed, fraudulent or involve abuse of your credit card account, payments and purchases which are refunded or reimbursed.
3. The primary cardholder is responsible for all transactions (including transactions on linked accounts) conducted with the additional card(s). Additional cardholder must be aged 16 years and older.
4. The NAB Qantas Gold Card (Purchase) Indicator Rate is 19.99% p.a (as at 20 May 2010) and is subject to change. The NAB Qantas Gold Card (Cash Advance) Indicator Rate is 19.99% p.a (as at 20 May 2010) and is subject to change. See your terms and conditions for details of the application of this rate. View full details of fees and charges.
5. Current as at 20 May 2010 and subject to change.
6. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office and for the purchase of travellers cheques). Interest free days on purchases if you pay your account in full by the due date each month.
7. Monthly spend on eligible purchases debited to your account in a statement period in accordance with the terms and conditions applicable to your NAB Credit Card account. Points are awarded two business days following the issue of your next credit card statement. Bonus points will be credited in accordance with the relevant promotion.
8. 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 (i.e. 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.
9. NAB reserves the right to withdraw any balance transfer request, in full or in part at its discretion. Special Promotion Transfer rate of 4.99% p.a. will apply to any balance transfer amount for up to 2 non-NAB credit or store cards for the period from the time the balance transfer is made to your account for six complete monthly statement periods, unless the balance transfer amounts are paid off earlier. These balance transfer amounts are designated cash advances for the purposes of the terms and conditions applicable to your credit card account. If at the end of the six month statement period applicable to any balance transfer amount any portion of that balance transfer amount is owing, that amount will attract interest at the (Cash Advance) Indicator Rate (as advertised from time to time) then applicable to your card. A payment to your NAB Credit Card account under this Special Promotion will be applied to the balance transfer amounts (designated cash advances) before any other cash advance or purchase amounts. The terms and conditions applicable to your credit card account set out in detail the order in which payments are applied. Please note the promotional rate of 4.99% p.a. for up to six months on balance transfer amounts must be applied for at the point of full card application. The promotional rate of 4.99% p.a. for up to six months on balance transfer amounts will appear separately on your NAB Credit Card statement and only applies to balance transfers from 2 non-NAB credit card or store card accounts.
10. This is only a brief summary of the benefits and exclusions may apply. National Australia Bank Limited has obtained Purchase Protection Insurance, Extended Warranty Insurance and NAB Gold Overseas Travel Insurance under Master Policies issued by American Home Assurance Company ABN 67 007 483 267, AFSL 230903. The benefits of Purchase Protection Insurance, Extended Warranty Insurance and NAB Gold Overseas Travel Insurance are extended to NAB Qantas Gold cardholders. The terms, conditions and exclusions for these insurances are specified in the NAB Gold Insurance Policy Document and may be amended from time to time. Please note: for Emergency and Medical Assistance while travelling overseas – please contact AIG Assist on reverse charge call to Australia +61 (2) 9251 4298. This overseas assistance service is subject to the terms and conditions of the NAB Gold Insurance Policy Document. Please read the entire Policy Document to ensure it meets your requirements. For more information please call 1800 339 667 or visit nab.com.au
11. Terms and conditions apply and are available upon registration for the service. Fees and charges may be payable.
12. VIP Lost Card Cover membership is complimentary for the first 12 months and is provided by Secure Sentinel Pty Limited ABN 53 054 235 157 of 100 Arthur Street, North Sydney NSW 2060. Conditions and exclusions apply.
13. MasterCard® Global Service is provided by MasterCard® International Incorporated and American Express Global Assistance is provided by International SOS. Neither National Australia Bank Limited ABN 12 004 044 937 or any other company in the National Australia Group guarantees or accepts liability in respect to, MasterCard® Global Service or American Express Global Assistance.
14. Eligible purchases exclude cash advances (including bills paid over the counter at a bank, financial institution or post office and purchases of travellers cheques) or when the card is used as a debit card to access linked accounts or transactions we decide are wholly or partly for a business purpose. Also excludes fees and charges (including government fees and charges), interest charges, transactions which are disputed, fraudulent or involve abuse of your credit card account, payments, and purchases which are refunded or reimbursed. Eligible purchases must be processed to your account by 30 December 2010.

Other Important Information

Approval is subject to NAB's credit assessment criteria. Terms and conditions are available on application or for download here. Fees and charges apply.

A credit card offers you great flexibility and convenience. But it's important to remember, like any debt, you will have to repay it. If you are unsure as to whether you will be able to manage repayments for a new credit card, then you should not consider taking up a NAB credit card at this point in time.

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