Offer
New customers
Up to 100,000 bonus NAB Rewards Points
Offer
Existing customers
Up to 100,000 bonus NAB Rewards Points
Go to Products, then ‘Credit cards’.
Rates and fees
Learn more about our standard credit card interest rates, annual card fees and credit limits that apply to this card.
| Variable purchase rate
|
20.99% p.a. |
|---|---|
| Standard balance transfer (BT) rate for 12 months 3% BT fee applies. Unpaid BT reverts to variable cash advance rate We can’t process balance transfers from certain issuers – see our indicative list. |
0% p.a. |
| Interest free days on purchases | Up to 44 |
| Annual card fee |
$195 p.a. |
| Minimum credit limit | $6,000 |
| Variable cash advance rate This is the interest rate charged on amounts you withdraw as cash, gambling transactions (including lottery ticket purchases), or transfer from your credit card to another account. |
21.74% p.a. |
How to earn NAB Rewards Points
Earn up to 2 points per dollar on your everyday transactions. There's no limit to the amount of rewards points you can earn each month.
Earn NAB Rewards Points
Earn 1 NAB Rewards Point for every $1 you spend on everyday purchases.
Earn more on groceries
Earn 1.5 NAB Rewards Points in eligible grocery stores.
Earn more with Webjet
Earn 2 NAB Rewards Points on purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au.
Benefits of this rewards card
Enjoy complimentary services, discounts, deals and redeem your rewards points to suit you.
Auto redeem for flybuys, Velocity or Accor Live Limitless (ALL) Reward points
Set up automatic redemption to have your points automatically sent to your flybuys, Velocity or ALL account each month.
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 to book airlines and unlock hotel savings using the Points+Pay option.
Shop the NAB Rewards Store
Redeem your points for wide range of electronics, homewares, experiences and more in the NAB Rewards Store.
Transfer for frequent flyer and rewards programs
Transfer you NAB Rewards Points to one of our partner programs – flybuys, Velocity Frequent Flyer, Accor Live Limitless (ALL), KrisFlyer, Cathay Membership Programme and AirpointsTM. Excludes Qantas Frequent Flyer Program.
Concierge service
Your own personal assistant for travel and lifestyle services, 24 hours a day, 7 days a week, with NAB Concierge Service.
Things to consider
We want to help you choose the right card, so here are a few things to consider about this card before you apply.
-
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 our other cards.
-
NAB Rewards Points cannot be used to redeem Qantas Points.
Important Upcoming Complimentary Insurance changes
Effective 15 May 2026, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed.
Please read the summary of changes for further details and how they will affect your insurance cover.
Enjoy complimentary insurances
Travel insurances
Purchase insurances
Eligibility Check you're eligible to apply online
-
You're 18 years or older.
-
You receive a regular income.
-
You’re an Australian resident for tax purposes.
-
You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.
Read important information for visa categories that are not acceptable.
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 |
| Accor Live Limitless (ALL) | 3,000 NAB Rewards Points = 500 ALL Reward points | Yes |
| Singapore Airline KrisFlyer Miles | 3,000 NAB Rewards Points = 1,000 KrisFlyer miles | No |
| Cathay Membership Programme | 3,000 NAB Rewards Points = 1,000 Asia Miles | No |
| Air New Zealand Airpoints | 3,000 NAB Rewards Points = 15 Australian Airpoints Dollars | No |
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.
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
100,000 NAB Rewards Points will get you $480 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.
Flybuys
Redeem for Flybuys points to save money off your shop with Flybuys Dollars or choose from thousands of Flybuys rewards including Flybuys travel.
Velocity Frequent Flyer
Fly with Virgin Australia, United Airlines, Virgin Atlantic, Singapore Airlines, Eithad Airways, Qatar Airways and more.
KrisFlyer
Redeem and fly with Singapore Airlines, Scoot, Star Alliance airlines and more.
Cathay Membership Programme
Use Asia Miles to redeem flight awards on Cathay Pacific, Oneworld Partner Airlines, and 20+ airline partners along with hotels, car hires, retail partners, and much more.
Air New Zealand Airpoints
Redeem and fly with Air New Zealand, Air China, Singapore Airlines, United Airlines and more.
ALL - Accor Live Limitless
Redeem for ALL Reward points on Accor hotel stays. Choose from 5000 hotels across 40 brands and 110 countries.
Visit the NAB Rewards Store to redeem your points
View and redeem your points in three simple steps.
-
Log into NAB Internet Banking or the NAB app and go to Cards.
-
Select your NAB Rewards card and you'll be able to see your points.
-
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.
-
Log into internet banking or your NAB app
-
Go to My Cards, select your NAB Rewards Card and click ‘Redeem points’
-
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
Need help finding the right card or want to see how much you could save with our credit cards? We have some handy tools to help.
Balance transfer calculator
See if you could save money by transferring your credit card balance.
Help me choose a card
Choose the right credit product with our easy-to-use tool.
Compare credit cards
Use our comparison tool to compare our credit card fees and features.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
How do credit cards work?
A guide to help you decide if a credit card is right for you and how to apply for one if it is.
Make the most of your credit card’s features
Benefit from your credit card – your card’s features might be sitting there unused.
How to avoid paying credit card interest
Learn how interest on your card works, and ways to avoid paying it.
Help and support
We're here to help. Use our guides and support services to better manage your money.
Other ways we can help
Use our help guides, FAQs and other support services to help you manage your banking more easily.
Other rewards cards to consider
Still trying to decide on the right rewards card for you? Here are a few more options to consider.
NAB Qantas Rewards Premium Credit Card
Apply today for a rewards card that offers platinum services and and an opportunity to earn bonus Qantas Points.
NAB Rewards Signature Credit Card
Apply today to take advantage of earning bonus points and enjoying other great rewards.
NAB Qantas Rewards Signature Card
Apply today to take advantage of earning bonus Qantas Points and enjoying other great rewards.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
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)