NAB Credit Cards

Offer commenced 25 February 2019. 15 MONTH OFFER For approved applicants who apply for a new personal NAB Low Rate Platinum credit card before the offer is withdrawn. The special purchase interest rate will apply for a 15 month statement period from account opening. After 15 months period, any unpaid purchases will then attract the card’s standard purchase rate (currently 13.99% p.a. as at 25 February 2019). Interest rates are subject to change and available at www.nab.com.au. 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. Offer commenced 13 November 2017. 6 MONTH OFFER For approved applicants who apply for a new personal NAB Low Rate credit card before the offer is withdrawn. The special purchase interest rate will apply for a 6 month statement period from account opening. After 6 months period, any unpaid purchases will then attract the card’s standard purchase rate (currently 13.99% p.a. as at 25 February 2019). Interest rates are subject to change and available at www.nab.com.au. 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 offer.

Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.

Offer commenced 12 November 2018. To be eligible for the 90,000 bonus points offer, you must apply for a new personal NAB Rewards Signature Card by, before the offer is withdrawn, be approved, and spend $2,500 on everyday purchases within 60 days of opening your account on your NAB Rewards Signature Card. NAB may vary or end this offer at any time.

Offer commenced 12 November 2018. To be eligible for the 60,000 bonus points offer, you must apply for a new personal NAB Rewards Platinum Card before the offer is withdrawn, be approved, and spend $1,000 on everyday purchases within 60 days of opening your account on your NAB Rewards Platinum Card. NAB may vary or end this offer at any time.

Offer commenced 12 November 2018. To be eligible for the 30,000 bonus points offer, you must apply for a new personal NAB Rewards Classic Card, before the offer is withdrawn, be approved, and spend $500 on everyday purchases within 60 days of opening your account on your NAB Rewards Classic Card. NAB may vary or end this offer at any time.

Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. Points will be credited to your points balance within 3 months of meeting the spend criteria. These bonus points offer are not available to existing customers who have received or are entitled to receive NAB Rewards Bonus Points for a new personal NAB Rewards credit card or NAB Home loan in the twelve months prior to the opening of a NAB Rewards Signature Card, NAB Rewards Platinum Card or NAB Rewards Classic Card account. Offers are not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer. Gift Card values correct as at 12 November 2o18. Points values & stock levels subject to change. Check rewards.nab.com.au

Offer commenced 18^th June 2018. To be eligible for the 90,000 bonus points offer, you must apply for a new NAB Qantas Rewards Signature Card, before the offer is withdrawn, be approved, and spend $4,000 on everyday purchases within 60 days of opening your account. A reduced annual card fee of $295 will be charged at time of card opening, and applies for the first 12 months. You will be charged the standard $395 annual card fee in the 13^th month of your card account. NAB may vary or end this offer at any time. To be eligible for the 30,000 bonus points offer, you must apply for a new NAB Qantas Rewards Premium Card, before the offer is withdrawn, be approved, and spend $2,500 on everyday purchases within 60 days of opening your account. NAB may vary or end this offer at any time. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. This bonus points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards Bonus Points for a new personal NAB Qantas Rewards credit card in the twelve months prior to the opening of a NAB Qantas Rewards Signature Card, NAB Qantas Rewards Premium Card or NAB Qantas Rewards Card . Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB offer. Points will be credited to your points balance within 3 months of meeting the spend criteria.

Usual cost is approx. $89 dollars.

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 (i.e. where Qantas, and not its agent, is identified as the merchant on the credit card transaction):

• Qantas flights booked directly through qantas.com and Qantas Contact Centres;
• Qantas flights booked through selected travel agents but processed with Qantas Airlines identified to card scheme as the relevant merchant;
• purchases of Qantas Frequent Flyer membership;
• purchases of Qantas Club membership, joining and annual fees;
• purchases of Qantas Gift Vouchers; and
• purchases made through qantasstore.com.au, qantasshop.com.au and qantasepiqure.com.au.

Unless otherwise notified, Bonus Points will not be earned in relation to purchases from:

• Qantas Freight
• Qantas Holidays Ltd
• Qantas Business Travel Pty Ltd
• other businesses or franchisees of Jetset Travelworld Ltd
• Qantas Staff Travel
• Jetstar Airways Pty Ltd
• other Jetstar-branded businesses, or
• for goods or services supplied by Qantas Frequent Flyer program partners.

Capped at $3,000 spend per statement cycle

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, 420KB) 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).