Credit Card Reward Points

Every time you use your credit card you could earn rewards points to access a variety of benefits and bonuses. NAB offers a range of reward credit cards but before deciding which one is right for you, it’s important to know how you can use your credit card to earn and spend rewards points.

Step 1. Choose your rewards program

Use your NAB credit card to earn points on everyday purchases when you join one of our rewards programs.

Benefits of a NAB Rewards or Qantas Rewards credit card

Complimentary insurances

Six complimentary insurances, including international travel, purchase protection and extended warranty insurance

NAB Concierge Service

Access to 24/7 assistance for travel and lifestyle services with NAB Concierge

Additional card holder

Add an additional cardholder at no extra cost

Interest free days on purchases

Up to 44 interest free days on purchases if you pay the interest free days payment in full by the due date each month

Balance transfer

0% p.a. for 6 months standard balance transfer rate. 2% p.a. balance transfer fee applies. Unpaid balance transfer reverts to cash advance rate.

Visa deals and offers

Enjoy pre-sale tickets, member offers and other deals for Visa customers on selected cards with Visa Premium Access and Visa Entertainment, opens in new window.

NAB Rewards program

We introduced our own rewards program to offer customers more choice and flexible redemption options. Here are our two NAB Rewards Credit Cards on offer:

Qantas Rewards program

We also offer Qantas Rewards cards to help Qantas Frequent Flyers boost their points earning potential. These are our two Qantas Rewards Credit Cards on offer:

Step 2. Apply for a NAB credit card

Before you apply online for a NAB credit card, learn more about our online application process and eligibility criteria plus make sure you have the right documentation ready.

With a number of rewards cards to select from, use our comparison tool to easily compare to compare the different special offers, card details, rewards and product information. 

Step 3. Earn rewards points

NAB Rewards Points

With your NAB Rewards Credit Card, points are uncapped, so there is no limit on the amount of points you can earn each month . Once your account is open and you use your card, you can start earning points straightaway. Our NAB Rewards program has a wide range of rewards to choose from. There are also options to earn double and triple points at selected retailers.

NAB Rewards Points Booster

Like to get more points when you shop? If you shop with select stores or use your card overseas earn more points.

Earn double points

Double your points at major department and hardware stores online and instore e.g.:

  • Myer and David Jones

  • Kmart, Target and Big W

  • Bunnings, Mitre 10 and Home Timber and Hardware

  • Stratco and Total Tools.

Earn triple points

Get three times the points.

  • On purchases made online with Webjet, when travelling overseas or on overseas purchases made here in Australia.

  • Your bonus points will be credited within 3 months of meeting your spend criteria.

Read more about earning NAB Rewards Points.

Qantas Points

If you’re an existing Qantas Frequent Flyer member, include your membership number in your application when you apply for one of our NAB Qantas Rewards Credit Cards. Then we can link your card(s) to your rewards membership before we send them to you. You can find it on a recent statement from Qantas or on your Qantas card.

Earn Qantas Points on your everyday purchases and 1 Bonus Point for every dollar on eligible Qantas services using your Visa Card.

Read more about earning Qantas Points with your NAB Qantas Rewards Credit Cards.

Qantas Points fact sheet

Read our fact sheet to make sure you're set up to earn Qantas Points with your new NAB Qantas Rewards card.

Qantas membership

  • Once you've opened your account, if you're not already a Qantas Frequent Flyer member, join for free, opens in new window.

  • Link your Qantas Membership to your card by calling  13 22 65 and quoting 'Qantas Membership'.

  • We send reminders on your monthly statement, via text and letter if you haven't linked your membership to your card.

Qantas Points

  • You'll earn points for most everyday transactions including paying bills but some other transactions are excluded, like cash advances and gambling transactions.

  • Your Qantas Points won't expire as long as you earn or use Qantas Points through your Frequent Flyer account at least once every 18 months.

  • Your bonus Qantas Points will be credited within 3 months of meeting your spend criteria.

  • You can redeem your Qantas Points online by logging into your Qantas Frequent Flyer account, opens in new window.

Step 4. Managing and redeeming your rewards points

Each rewards program lets you manage and redeem your points online. You can check your balance and redeem your points at the website or portal of your rewards program.

NAB Rewards program

You can redeem your NAB Rewards points using NAB Internet Banking, the NAB app or NAB Connect (for business cards) which takes you to the NAB Rewards Store, opens in new window.

Redeem on gift cards, travel, tech and lots more in the NAB Rewards Store. We’ve teamed up with some popular airlines so you’re not limited to travelling with just one airline. Top up your frequent flyer and rewards program balance with your Velocity Frequent Flyer, KrisFlyer, Asia Miles and Airpoints.TM

NAB Internet Banking and the NAB app

  1. Log into NAB Internet Banking or the NAB app and go to Cards.
  2. Select your NAB Rewards card and you’ll be able to see your points.
  3. Select Redeem points and you’ll be taken to the NAB Rewards Store.

NAB Connect

  1. Ensure you have assigned NAB Rewards access (PDF, 472KB), opens in new window to a user.
  2. Login and select Accounts in the top menu area.
  3. Select NAB Rewards in the menu drop down list.
  4. Select the Redeem button to be taken to the NAB Rewards Store.

Qantas Rewards programs

To redeem your Qantas Points, visit the Qantas Frequent Flyer portal, opens in new window.

Other rewards program

Our flybuys and Velocity Rewards cards are no longer for sale, however you can still redeem your flybuys points , opens in new windowand Velocity Frequent Flyer points, opens in new window using their websites.

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