• Collect flybuys points on everyday purchases.1
  • Seven complimentary insurances2 – see the Insurance section for details.
  • Up to 44 interest free days on purchases.3
  • NAB Concierge Service4 - your own 24/7 personal assistant.
  • Access to our 24/7 NAB Service Centre.

Rates and fees

Purchases: 19.99% p.a.

Cash advances: 21.74% p.a.

Balance transfers: 0.00% p.a. for 6 months with a 2% fee5 (Read more about balance transfers).

Annual card fee: $95.00

Other fees may apply.

All fees and interest rates are subject to change. Correct as at 13 November 2017. View full details of fees and charges.


Collect 1 flybuys point for every $1 spent on everyday purchases on your Visa card1. Points are capped at $20,000 spend per statement.


These insurances are complimentary with your NAB flybuys Rewards Card2. These are just brief summaries, and you should read the NAB Card Insurance Policy Information Booklet (PDF, 391KB) for full details, including exclusions.

If you're after a rewards card, you might be interested in

NAB Rewards Platinum Card

Make life more rewarding with the freedom of NAB Rewards, and the added benefit of complimentary insurances.

NAB Rewards Signature Card

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

Check out our credit card range

Whether you're looking for our lowest interest rate, a low fee card or a card that rewards you for everyday spend, we have a credit card to match.

Important information

1 flybuys Points

To earn and redeem flybuys Points using your NAB flybuys Rewards Card, you must be a member of the flybuys program and have provided your valid membership number to NAB. Points are offered in accordance with the NAB flybuys Rewards Points Terms and Conditions (PDF, 326KB). Points are capped at $20,000 spend per statement period. The flybuys Privacy Policy applies. Visit flybuys.com.au for details. The flybuys program is operated by Loyalty Pacific Pty Ltd ABN 82 057 931 334.

2 Insurances

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.

3 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.

4 Concierge Service

This service is provided by Visa Worldwide Pte 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.

5 Balance Transfer Standard Rate

After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time.

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