Compare our NAB Rewards credit cards

Both cards offer the chance to earn bonus points and enjoy great benefits. Compare the different offers, minimum credit limits and fees to find a card that suits you.

NAB Rewards Platinum Card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances

Minimum credit limit

$6,000

Annual card fee

$ 195

Standard purchase rate

19.99 % p.a.

Benefits

  • Six complimentary insurances, including international travel insurance

  • Earn up to 3 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to cash advance rate.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Considerations

  • Higher interest rates compared to our NAB Low Rate Card.

  • Lower point earn rate compared to our NAB Rewards Signature Card.

  • Higher annual fee compared to some of our other cards

Not the right card for you? We can help you choose a different one.

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Offer

80,000 bonus NAB Rewards Points 

  • 60,000 bonus points when you spend $1,000 on everyday purchases within the first 60 days of account opening and 20,000 bonus points when you keep your card for over 12 months. That’s enough for $390 in gift cards.

  • You’ll also enjoy a reduced annual card fee (from $195 to $95) for the first year.

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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NAB Rewards Signature Card

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

Minimum credit limit

$15,000

Annual card fee

$ 295

Standard purchase rate

19.99 % p.a.

Benefits

  • Six complimentary insurances, including international travel insurance

  • Earn up to 3.75 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to cash advance rate.

  • Special offers with Visa Premium Access and Visa Entertainment, opens in new window including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies

Considerations

  • Higher interest rates compared to our NAB Low Rate Card.

  • Higher annual fee compared to our other cards.

Not the right card for you? We can help you choose a different one.

Help me choose a card
Offer

140,000 bonus NAB Rewards Points 

  • 100,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 40,000 bonus points when you keep your card for over 12 months.

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response.
Apply now
Find out more

Benefits of a NAB Rewards credit card

Earn points on everyday purchases and redeem from a wide range of items in our NAB Rewards Store, opens in new window.

Earn uncapped NAB Rewards Points

There is no limit to the amount of points you can earn each month.

Auto redeem for flybuys or Velocity Points

Set up automatic redemption to have your points automatically sent to your flybuys or Velocity account each week.

Redeem for cashback

Redeem 12,500 NAB Rewards Points for $50 cashback directly into your NAB bank account or NAB Rewards card.

Redeem for gift cards

Redeem for gift cards from a range of popular brands including Coles, Woolworths, Bunnings, JB HiFi and more.

Redeem for travel with Webjet

Redeem your points for flights, selected hotels and holiday package directly with Webjet.

Shop the NAB Rewards Store

Redeem your points for a wide range of electronics, homewares, jewellery and more.

Transfer for frequent flyer and rewards programs

Transfer your NAB Rewards Points to one of our partner programs – flybuys, Velocity Frequent Flyer, KrisFlyer, Asia Miles and Airpoints.TM

Complimentary insurances

Receive complimentary travel and purchase insurances with your NAB Rewards cards.

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.

  • On purchases when travelling overseas.

  • On overseas purchases made here in Australia.

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

Did you know

What are my points worth?

The value of your NAB Rewards points* changes depending on how you redeem them. For example, you can:

  • redeem 20,410 NAB Rewards Points for a $100 gift voucher
  • redeem 90,000 NAB Rewards Points for $450 to spend at Webjet.

*Points values are subject to change.

Visit the NAB Rewards Store to learn more , opens in new window

Where can I transfer my NAB Rewards Points to?

Convert your NAB Rewards Points with any of our airline and reward partner programs.

Frequent flyer program NAB Rewards Points transfer rate Automatic redemption available
flybuys 3,000 NAB Rewards Points = 3,000 flybuys points Yes
Velocity Frequent Flyer 3,000 NAB Rewards Points = 1,500 Velocity Points Yes
Singapore Airline KrisFlyer Miles 3,000 NAB Rewards Points = 1,000 KrisFlyer Miles No
Asia Miles 3,000 NAB Rewards Points = 1,000 Asia Miles No
Air New Zealand Airpoints 3,000 NAB Rewards Points = 15 Airpoints Dollars No

NAB Rewards travel and partner options

With NAB Rewards, you’re not limited to travelling with just one airline. Redeem your rewards with a great range of travel partners.

Travel with Webjet when you redeem your NAB Rewards Points

90,000 NAB Rewards Points will get you $450 with Webjet. Book any seat, on any airline, at any available time. Simply login to the NAB Rewards Store to redeem your points with Webjet directly.

  • Mix & Match different domestic and international airlines for their departing and returning flights within the same booking

  • Compare airlines and Mix & Match deals

  • Book flights, hotels and packages in one transaction

  • Flexibility to combine one-way sales fares with any airline

  • Lock in your airline price with Webjet’s Booking Price Guarantee

flybuys

Redeem for flybuys points to save money off your shop with flybuys Dollars or choose from thousands of flybuys rewards including flybuys travel.

Visit Flybuys

Velocity Frequent Flyer

Redeem and fly with Virgin Australia, Etihad Airways, Singapore Airlines, Tigerair, Virgin Atlantic, Hong Kong Airlines and more.

Visit Velocity

KrisFlyer

Redeem and fly with Singapore Airlines, SilkAir, Scoot, Star Alliance airlines and more.

Visit Krisflyer

Asia Miles

Redeem and fly with 20+ airline partners including Cathay Pacific, British Airways, Qantas Airways and more.

Visit Asia Miles

Air New Zealand Airpoints

Redeem and fly with Air China, Singapore Airlines, United Airlines and more.

Visit Air New Zealand Airpoints

Visit the NAB Rewards Store to redeem your points

View and redeem your points in three simple steps.

  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.

Remember, your points expire three years after they were earned.

How do I transfer my NAB Rewards Points?

Transfer your points in three easy steps.

  1. Log into internet banking or your NAB app

  2. Go to My Cards, select your NAB Rewards Card and click ‘Redeem points’

  3. Select Travel, and then ‘Airline Partner Programs’

You can also set up automatic redemption with flybuys or Velocity to have your NAB Rewards Points balance transferred every week into your account. Set this up in your profile on the NAB Rewards Store.

Credit card tools and calculators

Get help to choose the right card or help calculate savings with a balance transfer.

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Balance transfer calculator

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Help and support

We’re here to help. Learn about the support services available to you.

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

View our help and support hub

Other options to consider

NAB Qantas Rewards credit cards

Compare our range of Qantas Frequent Flyer rewards cards. Find the card that's right for you, and start earning points.

NAB Low Rate Card

Our low rate credit cards can give you the peace of mind that comes with a low interest rate.

NAB StraightUp Card

Learn more about our no interest credit card.

Contact us

Visit a NAB branch

If you have any questions or are unable to apply online, visit us in branch – we’ll be happy to help.

Find a branch

Terms and Conditions

Fees and charges
Read our credit card terms and conditions. Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change.Correct as at 5 February 2022.

Credit cards issued by National Australia Bank Limited.

Forms and links
NAB Credit Card Terms and Conditions

NAB Electronic Banking (card based) terms and conditions

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB), opens in new window

Personal banking fees – A guide to fees and charges (PDF, 356KB), opens in new window

Indicator rates for other personal lending products