Compare our NAB Rewards credit cards
Compare our rewards credit cards to find a card that suits you. Both cards offer the chance to earn bonus points and enjoy great benefits, but have different offers, minimum credit limits and fees.
Earn NAB Rewards Points and enjoy platinum services and complimentary insurances. See ‘Upcoming Complimentary Insurance changes’ for changes effective 15 May 2026.
Minimum credit limit
$6,000
Annual card fee
$ 195 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Up to 100,000 bonus NAB Rewards Points
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Our highest NAB Rewards Points earn rate with premium services and complimentary insurances.
Minimum credit limit
$15,000
Monthly card fee
$ 35 p.m.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Key benefits of this card
Important Upcoming Complimentary Insurance changes
Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Please read the summary of changes for further details and how they will affect your insurance cover.
Benefits of our NAB Rewards cards
Enjoy complimentary insurances , earn uncapped NAB Rewards Points and redeem your points to suit you.
Transfer for frequent flyer and rewards programs
With NAB Rewards, you’re not limited to travelling with just one airline. Redeem your rewards with a great range of travel partners (including Cathay Membership Programme, KrisFlyer and Airpoints).TM Excludes Qantas Frequent Flyer Program.
Earn uncapped NAB Rewards Points
There is no limit to the amount of rewards points you can earn each month.
Complimentary insurances
Receive complimentary travel and purchase insurances with your NAB Rewards cards.
Exclusively for NAB Rewards Signature
Fee-free international transactions
Enjoy no international transaction fees.
Mobile phone insurance
Receive complimentary mobile phone insurance covering accidental damage and theft.
Delayed flight lounge pass
Complimentary access to airport lounge at selected locations in the event of a 60 minute or more delay to your domestic or international flight.
New
Earn Velocity Points
Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.
To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page.
To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB.
Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time.
Unlock offers for existing customers
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more.
Here's how to get started:
New to NAB Internet Banking? Register now
Redeem your NAB Rewards Points
Earn points on everyday purchases and redeem from a wide range of items in our NAB Rewards Store.
Some of the rewards you’ll be able to redeem are:
80,000 NAB Rewards Points will get you $400 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.
Redeem your rewards points with our partner options
Set up automatic redemption to have your points automatically sent to your flybuys, Velocity Frequent Flyer or Accor Live Limitless (ALL) account each month. You can also transfer your NAB Rewards Points to KrisFlyer, Cathay Pacific and Airpoints.
Visit the NAB Rewards Store to redeem your points
View and redeem your points in three simple steps.
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Log into NAB Internet Banking or the NAB app and go to Cards.
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Select your NAB Rewards card and you'll be able to see your points.
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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.
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Log into internet banking or your NAB app
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Go to My Cards, select your NAB Rewards Card and click ‘Redeem points’
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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 month into your account. Set this up in your profile on the NAB Rewards Store.
Credit card tools and calculators
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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.
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.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
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Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
Fees and charges
Read our credit card terms and conditions. Credit card 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 today.
Credit cards issued by National Australia Bank Limited.
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)
Indicator rates for other personal lending products
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