What’s changing?

The new NAB Rewards Signature Credit Card includes reduced fees, some new benefits and revised earn points for NAB Rewards Points.


Fee and waivers


  • $295 annual fee
  • No spend fee waiver
  • 3% international transaction fee


  • $24 monthly fee
  • Spend fee waiver (Monthly fee will be reversed when you spend $5,000 or more in a statement period)
  • No international transaction fee



  • No mobile phone insurance 
  • No delayed flight lounge pass


  • Mobile phone insurance covering accidental damage and theft
  • Delayed flight lounge pass

NAB Rewards Points


Uncapped points earn:

  • 1.25 NAB Rewards Points for every $1 spent on eligible purchases

Points Boosts available:

  • 2.5 NAB Rewards Points for every $1 spent on purchases made in major department and hardware stores
  • 3.75 NAB Rewards Points for every $1 spent with purchases made online with Webjet, and international transactions (when travelling overseas or on overseas purchases made here in Australia)


Uncapped points earn:

  • 1.5 NAB Rewards Points for every $1 spend on eligible purchases up to $15,000 in a Rewards Statement period (calendar month), then 0.5 points per dollar

Points Boost available:

  • 3 NAB Rewards Points for every $1 on purchases made online with Webjet

Rates and fees

There will be no change to the standard credit card interest rates 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
Minimum credit limit $15,000
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.

What's staying the same?

You’ll continue to enjoy existing NAB Rewards Signature Card benefits, including the following:

Complimentary insurances

As part of your NAB Rewards Signature Credit Card, you’re still eligible for a range of complimentary insurances. These include:

  • International travel insurance
  • Domestic travel insurance
  • Rental vehicle excess insurance in Australia
  • Extended warranty insurance
  • Purchase protection insurance

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 unique business.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Terms and Conditions

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. 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 February 2024.

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), opens in new window

Personal banking fees – A guide to fees and charges (PDF, 177KB), opens in new window

Indicator rates for other personal lending products