Offer commenced on 8 October 2018. To be eligible for the 100,000 NAB Rewards bonus points offer, you must apply for a new NAB Rewards Business Signature Card before the offer is withdrawn, be approved and spend $4,000 on everyday business purchases within 60 days of account opening. Everyday business purchases are purchases made in accordance with the NAB Rewards Terms and Conditions (PDF, 302KB). These terms describe the purchases not eligible to earn points including, but not limited to, transactions NAB decides are wholly or partly for gambling or gaming purposes. Bonus points will be credited to your points balance within three months of meeting the spend criteria.  

Offer commenced on 8 October 2018. To be eligible for the 100,000 bonus Qantas Points offer, you must apply for a new NAB Qantas Business Signature Card before the offer is withdrawn, be approved and spend $4,000 on everyday business purchases within 60 days of account opening. Everyday business purchases are purchases made in accordance with the NAB Qantas Commercial Card Rewards Conditions (PDF, 326KB). These terms describe the purchases not eligible to earn points including, but not limited to, transactions NAB decides are wholly or partly for gambling or gaming purposes. Bonus points will be credited to the qualifying member’s account within three months of meeting the spend criteria. 

Offer commenced on 4 February 2019. The special introductory interest rate of 0% p.a. on purchases applies for 12 months from the date your account is opened by NAB. At the end of the 12 months, any purchase amounts owing will attract the interest rate for purchases that is then applicable to your account, which is equal to the NAB Low Rate Business Card rate advertised on nab.com.au and is subject to change. Minimum monthly repayments must be made by the due date each month.

Each Card issued under the Facility has an annual card fee of $60, payable in advance. However, the annual card fee will be waived for the first 12 months from the date the Facility was opened. 

The first annual card fee will be payable and debited to the Account:

• for any Card issued and Used before the first anniversary of the date the Facility was opened – in the first Statement Period following that first anniversary; and

• for any Card which is first Used after the first anniversary of the date the Facility was opened – in the first Statement Period following the first Use of the Card. The fee will be a pro-rata amount based on the number of statement periods (whole or part) remaining from the date of first Use until the next anniversary of the Facility being opened. 

The NAB Low Rate Business Card is for business purposes only. Offer only available to new, approved NAB Low Rate Business Card customers who apply on or before the offer is withdrawn. A valid ABN is required to open a Commercial Card facility with NAB. ABN registration checks will be performed once the application has been received. Offer not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB offer. Terms, conditions, fees, charges and lending criteria apply. Please refer to the NAB Commercial Cards Facility Conditions (PDF, 452KB) for the terms and conditions about your NAB Low Rate Business Card.

We will confirm the date the Facility was opened with you in writing.

The subsequent annual card fees for each Card issued and used under the Facility will be debited annually on the statement date immediately after each anniversary of the date the facility was opened.

If you pay your closing balance on your monthly statement in full by the due date each month. Excludes cash advances (including bills paid over the counter at a bank, financial institution or post office, purchases of travellers’ cheques and transactions for gambling or gaming-related purposes).

Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions available at rewards.nab.com.au. These terms describe the purchases not eligible to earn points. You must have an open and active NAB Rewards credit card account to earn points.

Triple points = 1.25 standard points + 2.5 additional standard points (bonus points)

Overseas purchases - Purchases (in store and online) where the merchant, financial institution or entity processing the transaction is located outside Australia. International transaction fees continue to apply.

Webjet - Purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au.

Double points = 1.25 standard points + 1.25 additional standard points (bonus points)

Use your card to shop in-store and online at your favourite major department stores and hardware stores; such as, Myer, David Jones, Bunnings, Mitre 10 and many more – the choice is yours.

Points Booster is subject to the NAB Rewards Terms and Conditions (PDF, 302KB). Only eligible transactions under those terms and conditions earn points and bonus points. Points are credited to your points balance after the eligible transaction is credited to your NAB Rewards credit card account: for standard points within 10 business days of processing and for bonus points within 3 business days of the standard points being processed. Details are correct as at 2 September 2019 and are subject to change by NAB.

All Qantas Points earned using the card(s) will be credited to a points earner nominated by the Customer. A points earner must be the Customer or a cardholder with a Qantas Frequent Flyer membership account. To earn points using your NAB Qantas Business Signature Card, you must be a member of the Qantas Frequent Flyer program. A joining fee usually applies; however, NAB has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to NAB members who apply at qantas.com/joinffnab. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Refer to NAB Qantas Commercial Card Rewards Conditions (PDF, 326KB) for details of eligible business spending. Points are capped at $50,000 spend per card per statement period.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries.  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). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Commercial Cards Transport Accident Insurance Policy information booklet (PDF, 269KB) which may be amended from time to time. NAB does not guarantee this insurance.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries. 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). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Commercial Cards Unauthorised Transaction Insurance Policy information booklet (PDF, 350KB) which may be amended from time to time. NAB does not guarantee this insurance.

For more information about Visa Premium Benefits, please refer to https://www.visa.com.au/en_au/visa-offers-and-perks/ for your special travel and retail privileges. This service is provided by Visa Worldwide Pty Ltd or International SOS (Australasia) Pty Ltd.

Your personalised global concierge is available on 1300 498 594 (Option 3) 24 hours a day, seven days a week.