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.

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 6 months standard balance transfer rate.  2% balance transfer fee applies. Unpaid balance transfer 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.

Offer

60,000 bonus NAB Rewards Points 

  • When you spend $1,000 on everyday purchases within 60 days of account opening.

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

Get an instant response.

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 6 months standard balance transfer rate.  2% balance transfer fee applies. Unpaid balance transfer 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.

Offer

120,000 bonus NAB Rewards Points 

  • 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 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.

Why get a NAB Rewards credit card?

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

Earn uncapped NAB Rewards Points

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

Complimentary insurances

Get complimentary insurance on your NAB Rewards Signature and NAB Rewards Platinum Cards.

Frequent flyer and rewards programs

Top up your frequent flyer and rewards program balance with your Velocity Frequent Flyer, KrisFlyer, Asia Miles and Airpoints.TM

Fraud protection and online security

Enjoy peace of mind knowing you're covered for your purchases.

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.

Did you know

What are my points worth?

The value of your NAB Rewards points* changes depending on how you redeem them. As an example:

  • Redeem 20,000 bonus points for a $100 gift voucher.
  • Redeem 90,000 bonus points for a $450 Webjet voucher.

*Points values are subject to change.

What you'll find in the NAB Rewards store

Enjoy the opportunity to decide how to redeem your points with a great range of items to choose from.

Gift cards

Redeem your points for a gift card from our extensive range of over 60 retailers.

Fashion and accessories

Cosmetics, fragrances, jewellery, watches, handbags and more.

Technology

Use your points for the latest gadgets from Apple, Bose, Samsung and more.

Banking rewards

Use your points for cashback off your NAB Rewards Card or top up your NAB bank account.

Charity

Use your points for good by donating to one of our 100 charity partners.

Homewares

Get all the appliances you could need from great brands like KitchenAid, Breville, Nespresso and Dyson.

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.

Webjet

90,000 NAB Rewards Points will get you $450 with Webjet. Book any seat, on any airline, at any available time.

Asia Miles

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

Air New Zealand Airpoints

Air New Zealand's loyalty programme. Redeem and fly with Air China, Singapore Airlines, United Airlines and more.

Velocity Frequent Flyer

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

KrisFlyer

Singapore Airline’s loyalty programme. Redeem and fly with Singapore Airlines, SilkAir, Scoot, Star Alliance airlines and more.

flybuys

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

Need more information?

Learn more about earning and redeeming points, partnerships and bonus points.

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, opens in new window.

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

Tools and calculators

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

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.

Terms and Conditions

Fees and charges
Terms and conditions available here. 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 13 November 2017.

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