Important Upcoming personal card changes
From 23 June 2025, we’re increasing fees on our NAB Personal credit cards (excluding NAB StraightUp Card). The late payment fee will increase from $15 to $20. The cash advance fee will increase from 3% or $3 (whichever is greater) to 3.5% or $3.50 (whichever is greater).
Learn more about how to avoid these fees.
Upcoming Complimentary Insurance changes
Effective 1 July 2025 – For some NAB cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.
Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Please read the summary of changes for further details and how they will affect your insurance cover.
Benefits of this rewards card
Monthly fee waiver
Your monthly fee will be reversed when you spend $5,000 or more in a statement period.
Delayed flight lounge pass
Complimentary access to airport lounge at selected locations in the event of a 60 minute or more delay to your domestic or international flight.
Uncapped points
There’s no limit to the number of points you can earn every month.
Mobile phone insurance
Receive complimentary mobile phone insurance covering accidental damage and theft.
Shop the NAB Rewards Store
Redeem your points for wide range of electronics, homewares, experiences and more in the NAB Rewards Store., opens in new window
You can also add an additional cardholder at no extra cost.
Enjoy complimentary insurances
Travel insurances
Purchase insurances
Please see the Important Information section about changes to these complimentary insurances effective 1 November 2023.
Eligibility Check you're eligible to apply online
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You're 18 years or older.
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You receive a regular income.
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You’re an Australian resident for tax purposes.
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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.
NAB Rewards travel partners
Velocity Frequent Flyer , opens in new window
Fly with Virgin Australia, United Airlines, Virgin Atlantic, Singapore Airlines, Eithad Airways, Qatar Airways and more.
Webjet , opens in new window
Travel with Webjet when you redeem your NAB Rewards Points.
Flybuys , opens in new window
Redeem for Flybuys points to save money off your shop with Flybuys Dollars or choose from thousands of Flybuys rewards including Flybuys travel.
Cathay Pacific Program , opens in new window
Use Asia Miles to redeem flight awards with Cathay Pacific or for more than 20 airline partners.
Air New Zealand Airpoints , opens in new window
Redeem and fly with Air China, Singapore Airlines, United Airlines and more.
KrisFlyer , opens in new window
Redeem and fly with Singapore Airlines, SilkAir, Scoot, Star Alliance airlines 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 |
| Monthly card fee
|
$35 p.m. |
| 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. |
Earning NAB Rewards Points
Earn uncapped NAB Rewards Points
There is no limit to the amount of points you can earn each month.
Earn 3 NAB Rewards Points
Applies to all purchases made online with Webjet.
Earn 1.5 NAB Rewards Points
Applies to every $1 spend on eligible purchases up to $15,000 Rewards Statement period (calendar month), then 0.5 NAB Rewards Points for every $1 spend, uncapped.
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.
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Higher interest rates compared to our NAB Low Rate Card
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Higher annualised monthly fee compared to some of our other cards
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NAB Rewards Points cannot be used to redeem Qantas Points.
Other rewards cards to consider
NAB Rewards Platinum Credit Card
Apply today for a rewards card that offers platinum services and and an opportunity to earn bonus Qantas Points.
NAB Qantas Rewards Signature Card
Apply today to take advantage of earning bonus Qantas Points and enjoying other great rewards.
NAB Qantas Rewards Premium Credit Card
Apply today to take advantage of earning bonus Qantas Points and enjoying other great rewards.
Terms and Conditions
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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