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.
Earn Velocity Points with our NAB Rewards credit cards
Get ready to extend your Velocity Points earnings with our NAB Rewards credit cards. Enjoy the benefits of hassle-free points accumulation with our automatic redemption feature, which transfers your NAB Rewards Points directly to your Velocity account each month.
Compare our Velocity Points earning NAB Rewards credit cards
Both cards offer the chance to earn Velocity Points which are automatically transferred monthly into your Velocity account. Compare the different Velocity rewards, minimum credit limits and fees to find a card that suits you.
NAB Rewards Platinum Card with Velocity
Experience uncapped rewards points, transferred monthly to your Velocity account to redeem on flights or the Velocity Rewards Store.
Minimum credit limit
$6,000
Annual card fee
$ 195 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
80,000 bonus Velocity Points
Minimum monthly repayments required. Offer ends Thursday 31 July 2025. See important information below. Eligibility criteria and terms and conditions apply. Offer available to new NAB Rewards Platinum cardholders only. See important information below.
NAB Rewards Signature Card with Velocity
Experience uncapped rewards points to transfer monthly to your Velocity account with our highest points earn NAB Rewards credit card.
Minimum credit limit
$15,000
Monthly card fee
$ 35 p.m.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Key benefits of this card
How to earn Velocity Points
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Login to the NAB Rewards Store to provide your Velocity membership number to link your accounts and your NAB Rewards Points will automatically be redeemed for Velocity Points.
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Each month, the NAB Rewards Points you’ve earned will be transferred to Velocity Points.
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Velocity Points converted from bonus NAB Rewards Points will be credited within three months of meeting your spend criteria.
To be eligible for the offers you must:
How much are Velocity Points worth?
Do Velocity Points expire?
If you don’t earn Velocity Points for 24 months, then your points will expire.
How to earn Velocity Points with NAB Rewards credit cards
| NAB Rewards Platinum Card (per $1 spend) | NAB Rewards Signature Card (per $1 spend) | |
|---|---|---|
| Standard earn rate |
NAB Rewards Platinum Card (per $1 spend)
Earn 1 point
|
NAB Rewards Signature Card (per $1 spend)
Earn 1.5 points up to $15,000 spend per month, then earn 0.5 points
|
| Grocery store purchases |
NAB Rewards Platinum Card (per $1 spend)
Earn 1.5 points
|
NAB Rewards Signature Card (per $1 spend)
Earn 1.5 points up to $15,000 spend per month, then earn 0.5 points
|
| Purchases made online with Webjet |
NAB Rewards Platinum Card (per $1 spend)
Earn 2 points
|
NAB Rewards Signature Card (per $1 spend)
Earn 3 points
|
Credit card tools and calculators
Get help to choose the right card or help calculate savings with a balance transfer.
Help me choose the right credit product
Choose the right credit product with our easy-to-use tool.
Compare credit cards
Use our comparison tool to compare our credit card fees and features.
Balance transfer calculator
See if you could save money by transferring your credit card balance.
Help and support
We’re here to help. Learn about the support services available to you.
Other ways we can help
Use our help guides, FAQs and other support services to help you manage your banking more easily.
Other options to consider
NAB Qantas Rewards credit cards
Compare our range of Qantas Frequent Flyer rewards cards. Find the card that's right for you, and start earning points.
NAB Rewards credit cards
Compare our range of NAB Rewards credit cards, and learn more about our NAB Rewards program.
NAB StraightUp Card
Learn more about our no interest credit card.
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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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