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
|Standard balance transfer (BT) rate for 12 months
|Interest free days on purchases||Up to 44
|Annual card fee
|Minimum credit limit||$15,000|
|Variable cash advance rate
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 or Velocity Points
Set up automatic redemption to have your points automatically sent to your flybuys or Velocity 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, KrisFlyer, Cathay Pacific and Airpoints.TM Excludes Qantas Frequent Flyer Program.
Visa Premium Access
Add another card
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.
Higher annual fee compared to our other cards.
NAB Rewards Points cannot be used to redeem Qantas Points.
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|
|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.
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:
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.
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.
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 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
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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. 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 1 November 2023.
Credit cards issued by National Australia Bank Limited.