Here’s how to view the benefits that are specific to your card in the NAB app1 or NAB Internet Banking.

NAB app:

  1. Login to the NAB app
  2. Go to My cards and select your credit card
  3. Select Features and benefits

NAB Internet Banking:

  1. Login to NAB Internet Banking
  2. Go to My cards and select your credit card
  3. Select My card benefits

Get more out of your credit card

There’s more to your NAB credit card than just making purchases. There are a range of features that you might not know about. Here we’ll run through a few for you.

How to make the most of your interest-free days

To maximise your interest-free days on purchases, you need to understand how an interest-free period works. Your NAB credit card comes with an interest-free period2 of “up to 44 days” (most of our cards) or “up to 55 days” (NAB Low Rate Cards only). These periods run from the start of your statement cycle to your statement’s due date.

Take out an additional card3 for someone in your family

It’s a great way to manage your expenses with a single bill.

An additional cardholder gets a card and PIN that gives them access to your credit card account, and any other accounts that you’ve linked to it. As the primary cardholder, you’re responsible for all use of the account, including transactions made by the additional cardholder.

If you have a NAB Rewards credit card, any spend made by an additional card holder counts towards your ability to earn rewards points.

Apply using the NAB app or NAB Internet Banking.

Earn rewards points on purchases

NAB Rewards4 credit cards

If you have a NAB Rewards credit card, you can earn points on your everyday purchases. You can redeem these points for travel, a range of merchandise, gift cards, banking rewards, charity giving or transfer your points to a selection of airline loyalty programs (applicable rewards terms and conditions apply to points earn and redemption).

Find out more about the NAB Rewards program.

Access the NAB Rewards store.

NAB Qantas credit cards

With Qantas Frequent Flyer5 you can earn points on your everyday purchases. You can redeem these points for flights, accommodation, car hire and a range of merchandise (applicable rewards terms and conditions apply when earning points and redeeming them).

Get protected with complimentary insurances

NAB Signature, Platinum/Premium credit cardholders enjoy complimentary insurances on eligible purchases6 made on their eligible credit card.

Complimentary insurances:

  • Overseas Travel Insurance
  • Transport Accident Insurance
  • Interstate Flight Inconvenience Insurance
  • Domestic Hotel Burglary Insurance
  • Purchase Protection Insurance
  • Extended Warranty Insurance
  • Price Protection Insurance

NAB Classic and Standard7cardholders (excluding NAB Low Rate) enjoy complimentary purchase protection insurance on eligible purchases1 made on their eligible credit card.

Enjoy our Concierge Service8

The NAB Concierge Service is a complimentary service available from anywhere in the world, 24 hours a day, seven days a week.2

It’s a travel and lifestyle service available for all NAB Signature, Platinum and Premium credit cardholders.


Access special offers on shows, events, experiences and movies from Visa Entertainment.

NAB Signature, Platinum/ Premium credit cardholder can also access hundreds of deals, discounts and privileges with Visa Premium Access.

Feel secure with extra features

Visa Secure

You needn’t be nervous when shopping online. Visa Secure is an extra layer of security for online purchases. It provides an extra layer of validation to help protect against unauthorised transactions.

During the transaction, NAB may send you one-time passcodes via your NAB app or SMS for Internet Banking transactions and password resets. Once successfully authenticated, you can proceed with your purchase transaction. The information you provide is used by NAB to verify your identity and is not made available to the retailer.

Emergency travel assistance from Visa

We’re here for you 24/7 with Visa Global customer assistance services.

Important information

1 NAB recommends you consider the Internet Banking terms and conditions before making any decisions regarding this product. This product is issued by National Australia Bank Limited. The NAB Mobile Banking app is compatible with AndroidTM OS 5.1 and above, and iOS 10.3 or later. Android is a trademark of Google LLC.

2 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.

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

4 Points are earned and redeemed in accordance with the NAB Rewards terms and conditions (PDF, 327KB) available at These terms describe the purchases not eligible to earn points. You must have an open and active NAB Rewards credit card account to earn points. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.

5 To earn and redeem Qantas Points using your NAB Qantas Rewards Card, NAB Qantas Rewards Premium Card, NAB Qantas Rewards Signature Card or NAB Qantas Plus 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 (PDF, 255KB). Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program terms and conditions, available at Find out more about these rewards from Qantas at

6 Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries. 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). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy information booklet (PDF, 450KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 275KB) which may be amended from time to time. NAB does not guarantee this insurance.

7 Standard cards are: NAB Low Fee Card, NAB Rewards Classic Card, NAB Qantas Rewards Card, NAB Velocity Rewards Card, NAB Visa Mini Card, NAB Velocity Rewards Card.

8 This service is provided by Visa Worldwide Pty Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions (PDF, 234KB) for full details.

Credit cards issued by National Australia Bank Limited.

©2018 National Australia Bank Limited ABN 12 004 044 937 AFSL & Australian Credit Licence 230686.

Other related articles

How to avoid paying Credit Card interest

Learn how interest on your card works, and ways to avoid paying it.

​Why you should avoid exceeding your credit card limit

Find out what happens if you go over your credit card limit.

Simple tips on how you can avoid late payment fees

Our tips to help you keep your credit card in check and on track.

Related products and services

NAB Rewards Signature Card

Our highest NAB Rewards Points earn rate with platinum services and complimentary insurances View disclaimer 1

NAB Qantas Rewards Signature Card

Our highest Qantas Points earn rate with platinum services and complimentary insurances View disclaimer 1

NAB Low Rate Card

Our lowest interest rate on purchases with no frills

NAB Low Fee Card

Our lowest annual fee card with no frills

NAB Rewards Platinum Card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances View disclaimer 1

NAB Qantas Rewards Card

Earn Qantas Points on your everyday spend

We're ready to help you

Talk to an expert
Call us