Standard rates & fees

  • 19.99 %p.a.

    Standard purchase rate

  • 0.00 %p.a.

    balance transfer rate for 6 months, unpaid balance transfer reverts to cash advance rate. 2% BT fee applies.2

  • 21.74 %p.a.

    Cash advance rate

  • $195

    Annual card fee

  • Up to 44

    Interest free days on purchases3

  • $6000

    Minimum credit limit

Find out more about rates and fees.

Special offer


  • 60,000 BONUS POINTS when you spend $1,000 on everyday purchases within 60 days of account opening. That's enough for $300 in Gift Cards.

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

Apply now

Earning Credit Card points

Up to 3 Points per dollar on a NAB Rewards Platinum Card

Earn points on your everyday transactions and there is no limit to the amount of points you can earn each month.5

Earn 3 points

On purchases made online with Webjet, when travelling overseas or on overseas purchases made here in Australia.4

Earn 2 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.4

Earn 1 point

on all other everday purchases

Using your Rewards Points

Gift Cards

Gift Cards

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

Fashion & Accessories

Fashion & Accessories

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



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

Banking rewards

Banking rewards

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



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



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

Browse the NAB Rewards Store

Your NAB Rewards travel and partner options


o Redeem your points for any available seat, on any airline, at any time, including sale fares

o There are no additional charges for fees or taxes – your points cover it all

o Use your points for your accommodation to get your whole holiday sorted

o 60,000 NAB Rewards Points gives you $300 to spend with Webjet

Find out more

Asia Miles

Asia Miles

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

Find out more
Velocity Frequent Flyer

Velocity Frequent Flyer

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

Find out more
Air New Zealand Airpoints

Air New Zealand Airpoints

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

Find out more


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

Find out more


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

Find out more

More about NAB Rewards

Card features and benefits

Fraud protection

NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.

Add another card?

Add an additional cardholder at no extra cost.7

Emergency assistance

We’re here for you 24/7 over the phone if your credit card is lost or stolen.

Concierge service

Access to 24 hour, 7 day assistance for travel and lifestyle services with NAB Concierge.6

Visa Premium Access

Discover hundreds of deals, discounts and privileges with Visa Premium Access.

Discover more credit card benefits and what they can do for you.

Complimentary insurances

7 complimentary insurances1 to keep you safe

  • Overseas travel insurance
  • Transport Accident insurance
  • Interstate flight inconvenience insurance
  • Domestic hotel burglary insurance
  • Purchase protection insurance
  • Extended warranty insurance
  • Price protection insurance

Find out more

Apply online in 15 minutes and get a response in 60 seconds.

Not the right card for you?

NAB Qantas Rewards Premium Card

Earn Qantas 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

NAB Low Fee Platinum Card

Our lowest annual fee card with platinum services and complimentary insurances View disclaimer 1

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