Easily compare the features, rates, rewards and offers across our range of NAB Business Credit Cards.
* NAB Rewards Business Signature Special Offer
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NAB Rewards bonus points offer, you must apply for a new NAB Rewards Business Signature Card before the offer is withdrawn, be approved and spend $4,000 on everyday business purchases within 60 days of account opening.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, 315KB). 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.
** Special offers
Offers available until withdrawn. NAB may vary or end these offers at any time without notice. Special offers apply to approved applicants only. Any bonus points offer not available in conjunction with any other new business credit card offer, or where you currently hold or have closed any NAB business credit card which included a special offer, within the previous twelve months. Offers are not available when closing / transferring from another NAB business credit card account or in conjunction with any other NAB offer.
^ Qantas Business Signature Special Offer
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the 100,000 bonus Qantas Points offer, you must apply for a new NAB Qantas Business Signature Card before the offer is withdrawn, be approved and spend $4,000 on everyday business purchases within 60 days of account opening.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.
^^ Introductory interest rate
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. Minimum monthly repayments must be made by the due date each month. 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.
# Annual card fee waiver
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.
For cards opened and used within 12 months from the date the facility was opened, the whole fee, will be credited back to the account and will be processed on the billing account summary in the same statement period in which the fee is charged. The fee will be $60 or a pro-rata amount of that fee 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.
For any card issued and/or used after the date 12 months from the date the facility was opened, the first annual card fee will be debited to the Account in the first Statement Period following the first use of the Card. The fee will be $60 or a pro-rata amount of that fee 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.
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.
1 Interest free days on everyday business purchases
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).
2 Earning NAB Rewards Points
Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions(PDF, 315KB). These terms describe the purchases not eligible to earn points, which include gambling and cash advances. You must have an open and active NAB Rewards credit card account to earn points.
3 How does the NAB Rewards Points Booster work?
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: Myer, David Jones, Kmart, Target, Big W, Bunnings, Mitre 10, Stratco and Total Tools.
Points Booster is subject to the NAB Rewards Terms and Conditions (PDF, 315KB). 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.
4 Earning Qantas Points
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.
5 NAB Commercial Cards Transit Accident Insurance
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allow eligible persons to claim under them as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available 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.
This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.
If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the group policy as set out in the NAB Commercial Cards Transit Accident Insurance Policy Information Booklet dated 31 March 2021 (PDF, 294KB) which may be amended from time to time. For insurable events that occurred prior to 31 March 2021, 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 dated 1 September 2019 (PDF, 269KB).
7 Visa Premium Benefits
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.
NAB business credit cards are for business purposes only.
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.
Terms, conditions, fees, charges and lending criteria apply.
- NAB Commercial Cards Facility Conditions (PDF, 417KB)
- NAB Qantas Commercial Card Rewards Conditions (PDF, 326KB)
- Business Banking Fees and Charges
- Rates, fees and charges
- NAB Commercial Cards Unauthorised Transaction Insurance (PDF, 350KB)
- NAB Commercial Cards Transport Accident Insurance (PDF, 269KB)
Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Details are correct as at 15 October 2020 and are subject to change by NAB. Credit cards issued by National Australia Bank Limited.