19.99 % p.a.
140,000 NAB Rewards bonus points
Rates and fees
Learn more about our standard credit card interest rates, annual card fees and credit limits that apply to this card.
Standard purchase rate
Balance transfer rate
0 % p.a.
Standard balance transfer (BT) rate for 12 months. 3% BT fee applies. Unpaid BT reverts to cash advance rate.
Interest free on purchases
Up to 44 days
Annual card fee
Cash advance rate
Minimum credit limit
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 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
Applies to all other everyday purchases.
Benefits of this card
Enjoy complimentary services, discounts, deals and redeeming your 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, Asia Miles and Airpoints.TM
Visa Premium Access
Add another card
Add an additional cardholder at no extra cost.
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.
Enjoy peace of mind with six complimentary insurances
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|
|Asia Miles||3,000 NAB Rewards Points = 1,000 Asia Miles||No|
|Air New Zealand Airpoints||3,000 NAB Rewards Points = 15 Airpoints Dollars||No|
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
140,000 NAB Rewards Points will get you $700 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
Redeem and fly with Virgin Australia, Etihad Airways, Singapore Airlines, Tigerair, Virgin Atlantic, Hong Kong Airlines and more.
Redeem and fly with Singapore Airlines, SilkAir, Scoot, Star Alliance airlines and more.
Redeem and fly with 20+ airline partners including Cathay Pacific, British Airways, Qantas Airways and more.
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
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Understanding credit cards
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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 credit cards to consider
Still trying to decide on the right card for you? Here are a few more options to consider.
Visit a NAB branch
If you have any questions or are unable to apply online, visit us in branch – we’ll be happy to help.
Terms and Conditions
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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 5 February 2022.
Credit cards issued by National Australia Bank Limited.
Forms and links
NAB Credit Card Terms and Conditions