• Collect flybuys points on everyday purchases.
  • Complimentary insurances – see the Insurance section for details.
  • Up to 44 interest free days on purchases.
  • NAB Concierge Service - your own personal assistant available 24 hours, 7 days a week.
  • Access to our NAB Service Centre 24 hours, 7 days a week.

Rates and fees

Variable purchase rate

19.99% p.a.

Variable cash advance rate

21.74% p.a.

Standard balance transfer rate

0% p.a. for 12 months
Balance transfers

Balance transfer fee

3% balance transfer fee applies.

Annual card free


Other fees may apply.

All fees and interest rates are subject to change. Correct as at 5 February 2022. View full details of fees and charges.


Collect 1 flybuys point for every $1 spent on everyday purchases on your Visa card . Points are capped at $20,000 spend per statement.


These insurances are complimentary with your NAB flybuys Rewards Card . These are just brief summaries, and you should read the NAB Card Insurance Policy Information Booklet (PDF, 604KB), opens in new window for full details, including exclusions.

International Travel Insurance

Spend at least $500 of your prepaid transportation, accommodation, and/or land tour costs on your NAB flybuys Rewards Card prior to commencing your trip and you could be covered for travel cancellation, overseas medical expenses, lost luggage or travel documents.

Interstate Flight Inconvenience Insurance

Pay for your return interstate airfares in full on your NAB flybuys Rewards Card prior to departure and you could be covered if your luggage is lost or delayed, or if you have to cancel or change an interstate flight due to serious illness, injury or death. You also may be covered for the rental vehicle insurance excess if you rent a car.

Transit Accident Insurance

Pay for your conveyance costs in full on your NAB flybuys Rewards Card and 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.

Rental vehicle excess in Australia insurance

Pay for or secure 100% of your hotel accommodation costs on your NAB flybuys Rewards 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 in Australia during a trip.

Purchase Protection Insurance

You could be covered if new items you bought on your NAB flybuys Rewards Card are lost, stolen or accidentally damaged within 90 days of the date of purchase.

Extended Warranty Insurance

Buy a new domestic appliance in Australia on your NAB flybuys Rewards Card and you could receive an extension of its original Australian manufacturer's warranty for up to 12 months.

Terms and Conditions