Upcoming changes

We’re changing NAB Rewards Signature

The benefits, NAB Rewards Points earn rates and fees of the NAB Rewards Signature card are changing. If you take out this card, the changes will automatically apply to your card on and from 12 June 2024.

Learn what's changing

160,000 NAB Rewards bonus points

  • 120,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 40,000 bonus points when you keep your card for over 12 months. That’s enough for $780 in gift cards.

  • You’ll also enjoy a reduced annual card fee (from $295 to $145) for the first year.

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

Interested in Velocity Points instead? Check out our Velocity Points offers.

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.

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
(reduced to $145 for the first year)
$295 p.a.
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.

How to earn NAB Rewards Points

Earn up to 3.75 points per dollar on your everyday transactions. There's no limit to the amount of rewards points you can earn each month.

Earn 3.75 points with triple points boost

Applies to purchases made online with Webjet, when travelling overseas or on overseas purchases made here in Australia.

Earn 2.5 points with double points boost

Applies to purchases made at major department and hardware stores (in store and online) including: Myer, David Jones, Kmart, Target, Big W, Bunnings, Mitre 10, Home Timber and Hardware, Stratco and Total Tools.

Earn 1.25 points per $1

Applies to all other everyday purchases.

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 week.

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 for flights, selected hotels and holiday packages directly with Webjet.

Shop the NAB Rewards Store

Redeem your points for a wide range of electronics, homewares, jewellery and more and more in the NAB Rewards Store, opens in new window.

Transfer for frequent flyer and rewards programs

Transfer your NAB Rewards Points to one of our partner programs – flybuys, Velocity Frequent Flyer, ALL, KrisFlyer, Cathay Pacific and Airpoints.TM Excludes Qantas Frequent Flyer Program.

Visa Premium Access

Discover hundreds of deals, discounts and privileges with Visa Premium Access, opens in new window.

Add another card

Add an additional cardholder at no extra cost.

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.

  1. Higher interest rates compared to our NAB Low Rate Card.

  2. Higher annual fee compared to our other cards.

  3. NAB Rewards Points cannot be used to redeem Qantas Points.

Enjoy five complimentary insurances

Travel insurances

  • International travel insurance

  • Domestic travel insurance

  • Rental vehicle excess in Australia insurance

Purchase insurances

  • Purchase protection insurance

  • Extended warranty insurance

Please see the Important Information section about changes to these complimentary insurances effective 1 November 2023.

Ready to apply?

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

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 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 Airpoints Dollars No

Earn Velocity Points

Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.

  • Convert 2 NAB Rewards Points into 1 Velocity Point. 

  • Enjoy hassle-free automatic redemption, which transfers your NAB Rewards Points direct into your Velocity account each week.

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:

  • Log into the NAB app or NAB Internet Banking.

  • For NAB app users go to New account, then 'Credit Cards'.

  • For Internet Banking users go to Products, then ‘Credit Cards’.

  • Browse available offers on eligible new NAB credit cards.

New to NAB Internet Banking? Register now, opens in new window

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

160,000 NAB Rewards Points will get you $780 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.

  • Mix & Match different domestic and international airlines for their departing and returning flights within the same booking

  • Compare airlines and Mix & Match deals

  • Book flights, hotels and packages in one transaction

  • Flexibility to combine one-way sales fares with any airline

  • Lock in your airline price with Webjet’s Booking Price Guarantee


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.


Redeem and fly with Singapore Airlines, SilkAir, Scoot, Star Alliance airlines and more.

Cathay Pacific Program

Use Asia Miles to redeem flight awards for Cathay Pacific or 20+ airlines partners.

Air New Zealand Airpoints

Redeem and fly with Air China, Singapore Airlines, United Airlines and more.

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.

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.

  1. Log into internet banking or your NAB app

  2. Go to My Cards, select your NAB Rewards Card and click ‘Redeem points’

  3. 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 week 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.

Understanding credit cards

Here are some handy guides to help you better understand how credit cards work.

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.

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