standard rates and fees

  • 19.99 %p.a.

    Standard purchase rate

  • 0 %p.a.

    for 6 months standard balance transfer rate. 2% balance transfer fee applies.2

  • 21.74 %p.a.

    Cash advance rate

  • $195

    Annual card fee

  • Up to 44

    Interest free days on purchases3

  • $6000

    Minimum credit limit

Special offer

On a New NAB Rewards Platinum Card

60,000 NAB REWARDS BONUS POINTS

  • 60,000 BONUS POINTS when you spend $2,500 on everyday purchases within 60 days of account opening. That's enough for $300 in Gift Cards.

    View disclaimer *
  • Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Earning points

1.0 point on a NAB Rewards Platinum Card

Earn 1 NAB Rewards Point for every dollar spent on everyday purchases.5

Plus you'll experience uncapped Reward Points earn potential.

NAB Rewards Points Booster
Earn double points

on purchases made at major department and hardware stores (instore and on line) including: Myer, David Jones, Kmart, Target, Big W, Bunnings, Mitre 10, Home Timber and Hardware, Stratco and Total Tools 4

2 x standard points

Earn triple points

on purchases with Webjet, when travelling overseas or on overseas purchases made here in Australia 4

3 x standard points

WHAT YOU CAN USE YOUR POINTS FOR

Explore our NAB Rewards Store

Webjet

Accommodation and holiday packages, the perfect getaway with Webjet

Gift cards

Select from a range of gift cards at some of your favourite stores

Merchandise

Redeem points for a wide range of merchandise, from homewares to technology and more

Your NAB Rewards travel options

Webjet

90,000 NAB Rewards Points will get you $450 with Webjet. Book any seat, on any airline, at any available time.

Find out more

Asia Miles

Redeem and fly with 20+ airline partners including Cathay Pacific, British Airways, Qantas Airways and more.

Find out more

Air New Zealand Airpoints

Air New Zealand's loyalty programme. Redeem and fly with Air China, Singapore Airlines, United Airlines and more.

Find out more

Velocity Frequent Flyer

 Redeem and fly with Virgin Australia, Etihad Airways, Singapore Airlines, Tigerair, Virgin Atlantic, Hong King Airlines and more.

Find out more

KrisFlyer

Singapore Airline’s loyalty programme. Redeem and fly with Singapore Airlines, SilkAir, Scoot, Star Alliance airlines and more.

Find out more

Browse the NAB Rewards Store

More about NAB Rewards

Card features and benefits

Fraud protection

NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.

Add another card?

Add an additional cardholder at no extra cost.7

Emergency assistance

We’re here for you 24/7 over the phone if your credit card is lost or stolen.

Concierge service

Your own 24 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge Service.6

Visa Premium Access

Discover hundreds of deals, discounts and privileges with Visa Premium Access.

Keep yourself safe

With 7 complimentary insurances1

  • Overseas travel insurance
  • transport accident insurance
  • Interstate flight inconvenience insurance
  • Domestic hotel burglary insurance
  • Purchase protection insurance
  • Extended warranty insurance
  • Price protection insurance

Find out more

Apply online in 15 minutes and get a response in 60 seconds.

Not the right card for you?

NAB Rewards Classic Card

Earn points on your everyday spend and reward yourself with a range of travel, homewares & more in our NAB Rewards Store

NAB Rewards Signature Card

Enjoy our highest earn rate on our most rewarding card with the added benefit of seven complimentary insurances and exclusive rewards View disclaimer 1

NAB Low Fee Platinum Card

Enjoy our lowest annual card fee within our Platinum card range, a great choice for everyday purchases with the added benefits of complimentary insurances View disclaimer 1

We're ready to help you

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Sat-Sun 9am - 6pm (AEST/AEDT)