NAB Qantas Gold card

NAB Qantas Gold Cards 

Use your Qantas Frequent Flyer points on a wide range of rewards.

Apply for a NAB Qantas Gold card

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Overview

  • Two cards on one account – The American Express® card gives you maximum points earning and the MasterCard® card gives you added worldwide acceptance.
  • Earn Qantas Frequent Flyer points with everyday purchases (up to $10,000 a month).
  • Complimentary Qantas Frequent Flyer membership (required to earn points)
  • Balance transfers at just 4.99% pa. for 6 months.
  • Additional cardholder at no extra cost. (You stay responsible for all use of the account.)

Benefits of Gold

  • Seven complimentary insurances - see "Insurance" tab for details
  • VIP Lost Card Cover, complimentary for the first 12 months

Benefits of American Express

  • Shop online at your favourite US and UK stores with delivery to Australia via Globaleshop.
  • Overseas and emergency assistance with American Express Global Assistance 24 hours a day, 7 days a week.
  • Access to the offers, promotions and services of the American Express Network
  • Retail, dining, travel and entertainment offers through American Express SelectsTM
  • Online fraud protection

American Express is a registered trademark of American Express Company.

Benefits of MasterCard

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

Rates and fees

Purchases: 20.24% pa.
Cash advances: 21.74% pa.
Balance transfers: 4.99% pa. for up to 6 months (read more about balance transfers).

Annual card fee: $145.50

Other fees may apply

Annual card fee and interest rates are subject to change. Correct as at 3 May 2011. View full details of fees and charges.

Rewards

Earn Qantas Frequent Flyer points on everyday purchases and redeem them for rewards including flights, accommodation and entertainment.

Earn Qantas Frequent Flyer points

Your NAB Qantas Gold Card account has two cards attached to it. The American Express card gives you maximum points earning and the MasterCard gives you added worldwide acceptance. Earn Qantas Frequent Flyer points on everyday purchases and redeem them for rewards including flights, accommodation and entertainment.

Plus, earn 1 bonus point for every dollar you spend on your NAB Qantas Gold Card on selected Qantas products and services, including eligible Qantas flights. (More information)

Total spent on eligible purchases
per statement cycle (both cards)		 American Express MasterCard
For the first $3000 ($0 - $3,000) 2 points per $2 2 points per $3
For the next $7000 ($3,001 - $10,000) 1 point per $2 1 point per $3
After the first $10,000 No further points No further points

Points will be allocated on a tiered basis, first on your NAB Qantas American Express Gold Card spend, then on your NAB Qantas MasterCard® spend.

Complimentary Qantas Frequent Flyer Membership

To earn points you need to be a member of the Qantas Frequent Flyer program. You can join at qantas.com.au/joinffnab. All Qantas Frequent Flyer points are credited directly to your membership, making it even easier to redeem rewards.

If you’re not already a Qantas Frequent Flyer member, we've arranged for the Qantas Frequent Flyer membership joining fee to be waived when you join at qantas.com.au/joinffnab. That’s a saving of $82.50.

Once you have your Membership Number (obtained through qantas.com.au/joinffnab) you can include it in your credit card application. We'll link your cards to your membership before we send them to you.

The Qantas Frequent Flyer program Terms and Conditions apply. For more information, visit qantas.com.au/frequentflyer.

Everyday purchases exclude:

  • cash advances
  • bills paid over the counter at a bank, financial institution or post office
  • purchases of travellers cheques
  • transactions for gambling or gaming purposes
  • when the card is used as a debit card to access linked accounts
  • transactions we decide are wholly or partly for a business or investment purpose
  • 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.

Points are offered in accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions, which you can find on the Credit card terms and conditions page. You must be a Qantas Frequent Flyer member to earn and redeem points. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com.au/frequentflyer. Points are earned on eligible purchases only.

Insurance

These insurances are complimentary with your NAB Qantas Gold Card. These are just brief summaries, and you should read the update with the new document NAB Card Insurance Policy Information Booklet (PDF, 151KB) for full details, including exclusions. You can also call Chubb Insurance on 1800 788 566.

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 Qantas Gold card to purchase a minimum of $500 of your prepaid transportation costs (including travel by air, rail, road or watercraft) and/or accommodation costs and/or organised land tour costs all of which are inclusive of any charges, fees and/or taxes (excluding foreign currency and travellers cheques) on your NAB Qantas Gold Card and receive comprehensive Overseas Travel Insurance cover for overseas trips up to six months long.

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 Qantas Gold card and a lower printed advertised price for the same item.

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 amend 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 purchased with your NAB Qantas Gold Card, if they're stolen or accidentally damaged within 90 days of the date of purchase.

Extended Warranty Insurance

If you purchase a new domestic appliance in Australia using your NAB Qantas Gold Card you'll receive an extension of its original Australian manufacturer's warranty for up to 12 months.

Apply online

It's easy, secure and only takes 10 minutes.

Apply online

Call 13 13 12

Mon-Fri: 7am-9pm
Weekends: 8am-9pm
(AEST/AEDT)

Visit a branch

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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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VIP Lost Card Cover (complimentary for 12 months)

Secure Sentinel offers to keep a confidential list of any cards that you'd want to cancel if you lost them. If you do lose any of those cards, Secure Sentinel will contact the issuer(s) to cancel the cards and help you order replacements. This is a 24 hour, 7 day service.

Secure Sentinel also offers:

  • cover for any fraudulent use of the cards from the time you call them, until they've called the card issuer
  • help cancelling your Australian passport and help you organise a replacement from the nearest Australian Embassy
  • an advance of up to $1000 cash for 30 days if your wallet is stolen (conditions apply)
  • to temporarily block your mobile phone if it's stolen
  • coded tags for your keys and luggage to help get them back to you if they're found
  • registration of possessions you can identify through a serial number.

You can get more information, including the full terms and conditions from Secure Sentinel on 1800 022 043.

VIP Lost Card Cover is provided by Secure Sentinel Pty Limited. ABN 53 054 235 157 of 100 Arthur Street, North Sydney NSW 2060.

 
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MasterCard SecureCode

Extra security when you shop online

MasterCard SecureCode is a free way to add an extra layer of security when you shop online with participating retailers.

When you register you'll create a password and a "personal assurance message". When you shop online with a participating retailer you'll see your personal assurance message, which lets you know that your purchase will be protected.

Once you've seen your personal assurance message, enter your password. We check and confirm your password, and then your purchase can go ahead. Without your password, the store won't accept your MasterCard.

Additional cardholders can register for MasterCard SecureCode separately, with their own password and personal assurance message.

 
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Earning bonus Qantas Frequent Flyer points

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.

Unless otherwise notified, Bonus Points will not be earned in relation to purchases from: Qantas Freight; Qantas Holidays Limited; Qantas Business Travel Pty Limited; other businesses or franchisees of Jetset Travelworld Ltd; Qantas Staff Travel; Jetstar Airways Pty Limited; or other Jetstar-branded businesses, or for goods or services supplied by Qantas Frequent Flyer program partners.