Important Upcoming personal card changes

From 23 June 2025, we’re increasing fees on our NAB Personal credit cards (excluding NAB StraightUp Card). The late payment fee will increase from $15 to $20. The cash advance fee will increase from 3% or $3 (whichever is greater) to 3.5% or $3.50 (whichever is greater). 

Learn more about how to avoid these fees.

Upcoming Complimentary Insurance changes

Effective 1 July 2025 – For some NAB cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.

Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.

Please read the summary of changes for further details and how they will affect your insurance cover.

Overview

  • Earn Qantas Points on everyday purchases (up to $6,000 per statement period).
  • Complimentary Qantas Frequent Flyer membership (required to earn Qantas Points).
  • Complimentary insurances - see the Insurance section for details.
  • NAB Concierge Service - your own personal assistant 24 hours, 7 days a week.
  • Access to our NAB Service Centre 24 hours, 7 days a week.

Benefits of Visa

Rates and fees

Variable purchase rate

20.99% p.a.

Variable cash advance rate

21.74% p.a.

Standard balance transfer rate

0% p.a. for 12 months
Balance transfers

We can’t process balance transfers from certain issuers – see our indicative list.

Balance transfer fee

3% balance transfer fee applies.

Annual card fee

$195

Other fees may apply.

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

Rewards

Earn Qantas Points

Earn Qantas Frequent Flyer points on everyday purchases and redeem them for rewards in the Qantas Frequent Flyer program. Rewards include Award flights or a variety of products and vouchers from the Qantas Frequent Flyer Store.

Plus, earn one bonus point for every dollar you spend on your NAB Qantas Plus Card on selected Qantas products and services, including eligible Qantas flights.

Total spent on eligible purchases per statement cycle Points earn rate
For the first $3,000 ($0 - $3,000) One point per $1.50
For the next $3,000 ($3,001 - $6,000)* One point per $3

*Points are capped at $6,000 spend per statement period.

Complimentary Qantas Frequent Flyer Membership

To earn points you need to be a member of the Qantas Frequent Flyer program and have provided NAB your Qantas Frequent Flyer membership number. You can join at qantas.com.au/joinffnab, opens in new window. All Qantas Frequent Flyer points are credited directly to your membership account, making it even easier to earn and 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, opens in new window. That’s a saving of $82.50.

Once you have your Qantas Frequent Flyer membership number (obtained through qantas.com.au/joinffnab, opens in new window) contact us so you earn points as soon as you start using your cards.

The Qantas Frequent Flyer program Terms and Conditions apply. For more information, visit qantas.com.au/frequentflyer, opens in new window and read the NAB Qantas Credit Card Account Reward Terms and Conditions.

Insurance

These insurances are complimentary with your NAB Qantas Plus Card . These are just brief summaries, and you should read the NAB Card Insurance Policy Information Booklet (PDF, 489KB), opens in new window for full details, including exclusions. You can also call Allianz Global Assistance (AGA) 1800 187 025.

International travel insurance

Cover for travel cancellation, overseas medical expenses, travel delay, lost luggage or travel documents, rental vehicle excess, accidental death, permanent disability and personal liability.

To qualify, use your NAB Qantas Plus 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 Plus Card.

Other eligibility criteria also apply.

Domestic travel insurance

You're covered if, during a domestic flight, your luggage is lost or delayed or if you have to cancel or amend a domestic flight due to serious illness.

Rental vehicle excess insurance in Australia

Designed to cover you where your rental vehicle was rented in Australia and is involved in an accident while you are driving it or is damaged or stolen.

Purchase protection insurance

Protection for new items purchased with your NAB Qantas Plus Card, if they're stolen or accidentally damaged within 90 days of receiving the covered item.

Extended warranty insurance

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

Other NAB credit cards

NAB Qantas Rewards Premium Credit Card

Apply today for a rewards card that offers platinum services and and an opportunity to earn bonus Qantas Points.

NAB Qantas Rewards Signature Card

Apply today to take advantage of earning bonus Qantas Points and enjoying other great rewards.

Credit cards

Compare between our credit cards to find the right one for you.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Find a NAB branch

Terms and Conditions

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