• Earn NAB Reward Points on your everyday spend1.
  • Complimentary purchase protection insurance2.
  • Up to 44 Interest free days on purchases3
  • Minimum Credit limit $500
  • Add an additional cardholder at no extra cost4

Rates and fees

Purchases: 19.99% p.a.

Cash advances: 21.74% p.a.

Balance transfers: 0.00% p.a. for 6 months standard balance transfer rate. 2% balance transfer fee applies. 5

Annual card fee: $95.00 p.a.

Other fees may apply.

Annual card fee and interest rates are subject to change. Correct as at 13 March 2020. View full details of fees and charges.

Earning Credit Card points

Earn points on your everyday transactions and there is no limit to the amount of points you can earn each month.1

Earn 2.25 points - On purchases made online with Webjet, when travelling overseas or on overseas purchases made here in Australia.6

Earn 1.5 points - On purchases made at major department and hardware stores (instore and online) including: Myer, David Jones, Kmart, Target, Big W, Bunnings, Mitre 10, Home Timber and Hardware, Stratco and Total Tools.6

Earn 0.75 point - on all other everday purchases

Find out more about NAB Rewards Cards.


Complimentary purchase protection insurance

For loss or theft of, or accidental damage to new personal items purchased with your card anywhere in the world, for three months from the date of purchase. 2

Benefits of Visa

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

NAB Rewards Platinum Card

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

NAB Rewards Signature Card

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

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

NAB Rewards Bonus Points Special Offer

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the 30,000 bonus points offer, you must have applied for a new personal NAB Rewards Classic Card, before the offer is withdrawn, be approved, and spend $500 on everyday purchases within 60 days of opening your account on your NAB Rewards Classic Card.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

1 Earning Points

Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions (PDF, 327KB) available at rewards.nab.com.au. 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.

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, or if your statement displays an interest free days payment, that amount in full, by the due date each month.

4 Additional cardholder

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

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 While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. 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.

6 How does Points Booster work?

Triple points: 0.75 NAB Rewards Points + 1.5 additional NAB Rewards Points (bonus points)

Overseas purchases - Purchases (in store and online) where the merchant, financial institution or entity processing the transaction is located outside Australia. International transaction fees continue to apply.

Webjet - Purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au. Webjet Booking Terms and Conditions Apply.

Double points: 0.75 NAB Rewards Points + 0.75 additional NAB Rewards Points (bonus points)

Use your card to shop in-store and online at your favourite major department stores and hardware stores; such as, Myer, David Jones, Bunnings, Mitre 10 and many more – the choice is yours.

Points Booster is subject to the NAB Rewards Terms and Conditions (PDF, 302KB). Only eligible transactions under those terms and conditions earn points and bonus points. Points are credited to your points balance after the eligible transaction is credited to your NAB Rewards credit card account: for standard points within 10 business days of processing and for bonus points within 3 business days of the standard points being processed. Details are correct as at 2 September 2019 and are subject to change by NAB.

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