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Enjoy 0% p.a. on balance transfers for 6 months on a new NAB Qantas Rewards Card. No BT fee. BT reverts to cash advance rate.*
Minimum monthly repayments required. Apply by 1 October 2017. See important information below.
Two cards linked to one account gives you the benefits of both Visa and American Express.
The new NAB app
Notify us of your travel plans, so we can protect your cards while you’re away
NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.
Add an additional cardholder at no extra cost6.
Tap and pay with your NAB credit card or your phone – with NAB Pay for Android.
Balance transfers are one way to consolidate your debt and give yourself some breathing space. By transferring a balance to NAB, you'll benefit from a transfer rate where you'll pay less interest.
Over 12 months you could save
Special offer! On a new NAB Velocity Rewards Premium card
P.A. on purchases For 15 MONTHS#
P.A. on balance transfers with a one off 2% balance transfer fee For 15 MONTHS#
The Balance Transfer Calculator estimates the amount you may be able to save by transferring to a NAB product. We’ll leave you to put in the amount you’re thinking of transferring and your current product’s purchase rate.
Of course, any request by you to transfer this amount will be subject to our assessment of your credit application. So keep in mind, you may not be eligible for a balance transfer for the full amount on your existing cards.
The interest rate displayed is our current balance transfer promotional interest rate.
We’ve also displayed our current promotional purchase interest rate.
All rates displayed are per annum.
This calculator only takes into account your current product’s purchase interest rate. You’ll also need to consider what other fees and charges apply to your current card and any discounts, or promotional offers, to assess any savings.
The estimated savings also do not take into account any fees applicable to your new NAB product, including any balance transfer fee that may apply. So to more accurately assess any savings you’ll need to read the product webpages on this site and understand what fees and charges will apply.
The estimated savings assumes that during the promotional period you make no cash advances and make the minimum monthly repayments each month required under the terms and conditions.
* Balance Transfer Special Offer - No Balance Transfer Fee
Offer commences 3 July 2017. For approved applicants who apply for a new NAB Rewards Signature Card, NAB Rewards Platinum Card, NAB Rewards Classic Card, NAB Rewards Qantas Signature Card, NAB Qantas Rewards Premium Card, NAB Qantas Rewards Card, NAB Velocity Rewards Premium Card, NAB Velocity Rewards Card and NAB flybuys Rewards Card by 1 October 2017. The special balance transfer interest rate will apply for an 6 month statement period from account opening. After the promotional period, any unpaid balance transfers will attract the standard cash advance rate. Interest rates are subject to change and available at nab.com.au. Special promotion balance transfer must be applied for at the point of full card application. Interest free days do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.
1 Balance Transfer Standard Rate
At the end of this period, any unpaid balances will then attract the standard cash advance rate (subject to change), see www.nab.com.au. Interest free days do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month.
2 Interest free days on purchases
If you pay your account in full by the due date each month. You won’t receive interest free days if you have a balance transfer.
Points will be allocated on a tiered basis over each statement period. First on your NAB Qantas Rewards American Express Card spend, then on your NAB Qantas Rewards Visa. Points are capped at $3,000 spend per statement period.
To earn and redeem Qantas Points using your NAB Qantas Rewards Card, you must be a member of the Qantas Frequent Flyer program and have provided your valid membership number to NAB. Points are offered in accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions. If you are not already a Qantas Frequent Flyer member, NAB has arranged for the joining fee to be waived if you apply and receive a NAB Qantas Rewards Card and join through qantas.com.au/joinffnab. Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com.au/terms. Find out more about these rewards from Qantas at qantaspoints.com/use-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 (ie. where Qantas, and not its agent, is identified as the merchant on the credit card transaction):
Unless otherwise notified, Bonus Points will not be earned in relation to purchases from:
A qualifying purchase is required to get the benefits of the complimentary insurance. See terms, conditions and exclusions of the complimentary insurances specified in the NAB Card Insurance Policy Information booklet (PDF, 391KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 924KB) and may be amended. The complimentary insurances are issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 to NAB. 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).
Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.
NAB recommends you consider the Internet Banking terms and conditions document, available here, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. Instant digital card is available for Android only. Only available for NAB Visa Debit and Credit Card. For payments of $100 or over, you need to receive and enter your card PIN. The NAB Mobile Banking app is compatible with Android OS 4.1 and above, and iOS 9 or later. Selecting our optional Quick Balances feature will disable your SMS account balance notifications. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.
Visa payWave® is a registered trademark of Visa Worldwide Pte Limited.
Terms and conditions for American Express
American Express and American Express SafeKey are registered trademarks of American Express. The NAB Qantas Rewards American Express Card is issued by National Australia Bank pursuant to a licence from American Express.
Fees and charges
Terms and conditions available here. Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at 1 June 2017.
Credit cards issued by National Australia Bank Limited. ©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.
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