Standard rates & fees

  • 19.99 %p.a.

    Standard purchase rate

  • 0 %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

  • $295

    Annual card fee

  • Up to 44

    Interest free days on purchases3

  • $15000

    Minimum credit limit

Find out more about rates and fees.



  • 90,000 BONUS POINTS when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 BONUS POINTS when you keep your card for over 12 months.

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

Earning Credit Card Points

Up to 3.75 Points per dollar on a NAB Rewards Signature Card

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

Earn 3.75 points

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

Earn 2.5 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 1.25 points

on all other everyday 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.



As a Signature cardholder you get access to exclusive brands and rewards not available to other cardholders.

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 120,000 NAB Rewards Points gives you $600 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


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.

Things to consider when choosing this card

  • Higher interest rates compared to our NAB Low Rate Card.
  • Higher annual fee compared to our other cards.

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

Complimentary insurances

Complimentary insurances1

  • International travel insurance
  • Transit Accident insurance
  • Interstate flight inconvenience insurance
  • Rental vehicle excess in Australia insurance
  • Purchase protection insurance
  • Extended warranty insurance

Find out more

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

Not the right card for you?

NAB Rewards Platinum Credit Card

Earn NAB Rewards Points to redeem on gift cards, travel, tech and more, plus enjoy complimentary insurances. View disclaimer 1

NAB Qantas Rewards Premium Card

Earn Qantas Points and enjoy platinum services and complimentary insurances View disclaimer 1

NAB Qantas Rewards Signature Card

Our highest Qantas Points earn rate with platinum services and complimentary insurances View disclaimer 1

We're ready to help you

If you have any questions or are unable to apply online, visit your nearest branch – we’ll be happy to help.