NAB Rewards Program | Earn and use NAB Rewards Points - NAB

Important Upcoming Credit Card Changes​

From 1 August 2026, the NAB Rewards Business Signature Card will no longer receive Points Booster bonus points for selected retailers, hardware stores or overseas purchases. These transactions will instead earn the standard rate of 1.25 NAB Rewards Points per $1 spent. Webjet purchases will continue to receive triple points.

Interest, fees, charges and earn rates (if applicable) are changing from 1 October 2026.

Learn more about card changes

Welcome to NAB Rewards

NAB Rewards is our loyalty program that lets you earn points every time you spend on a personal and business NAB Rewards credit card.

The points you earn with your credit card can be redeemed for rewards like flights, gift cards, tech and cashback in the NAB Rewards Store. You can also covert your points to partner programs like Velocity, KrisFlyer and Flybuys. NAB Rewards gives you the freedom to choose how you’re rewarded. Simply spend, earn and redeem your way.

How to earn NAB Rewards Points

You can earn points every time you use your NAB Rewards card on everyday purchases.  There’s no cap on how many points you can earn.

Remember to redeem your points within 36 months so you don’t miss out on what the NAB Rewards Store has to offer.

NAB Rewards Points earn rates

Understand the value of your NAB Rewards Points, depending on which card you use for your everyday purchases.

NAB Rewards Platinum Card

Until 30 September 2026
Earn up to 2 Points for every $1 spend with points booster
(1 standard point + 1 bonus point)

From 1 October 2026
Earn up to 2 Points for every $1 spend ​
(1.25 standard points + 0.75 bonus points  when you spend under $5,000 on eligible purchases in a Rewards Statement period (calendar month), 0.5 NAB standard points when you spend over $5,000 on eligible purchases in a  Rewards Statement period (calendar month))

NAB Rewards Signature Card

Until 30 September 2026
Earn up to 3 Points for every $1 spend with points booster
(1.5 standard points + 1.5 bonus points when you spend under $15,000 on eligible purchases in a Rewards Statement period (calendar month), 0.5 NAB standard points + 2.5 bonus points when you spend over $15,000 on eligible purchases in a Rewards Statement period (calendar month))

From 1 October 2026
Earn up to 2.5 Points for every $1 spend​
(1.5 standard points + 1 bonus points when you spend under $10,000 on eligible purchases in a Rewards Statement period (calendar month), 0.5 NAB standard points + 1 bonus point when you spend over $10,000 on eligible purchases in a Rewards Statement period (calendar month))

NAB Rewards Business Signature Card

Earn 1.25 NAB Rewards Points per $1 spent on everyday business purchases, including payments to the ATO (points are not capped).

Earn triple points for purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au.

Personal banking transactions that don’t earn points

Most everyday transactions on your NAB Rewards Platinum Card or NAB Rewards Signature Card earn points.

Transactions that don’t earn points include:

  • cash advances
  • bank charges and balance transfers
  • buying foreign exchange or travellers cheques
  • ATO payments
  • BPAY® payments
  • transactions where the cardholder uses a card to access linked transaction accounts
  • transactions for gambling or gaming purposes.

For more information refer to the NAB Rewards terms and conditions.

How to check your NAB Rewards Points

You can check your NAB Rewards Points balance in the NAB app or NAB Internet Banking. Business customers can check their points balance in NAB Connect.

Read our simple step-by-step help guide to learn more.

How to redeem your points

Step 1

Visit the NAB Rewards Store

You can browse a wide range of rewards, including gift cards, cashback, travel and airline transfers.

Step 2

Redeem your points

Select your preferred reward and confirm the redemption. You can redeem with over 200 brands including Woolworths, JB Hi-Fi, Apple, Dyson, Samsung and many more.

If you have a NAB Rewards Business Signature Card you can also invest back into your business with rewards such as office supplies, training and employee recognition rewards.

Step 3

Set Up automatic redemption

In some cases you can choose to automatically transfer your points each month to partners like Flybuys, Velocity, or Accor Live Limitless.

Convert your NAB Rewards Points to Velocity Points

If you’re a Velocity Frequent Flyer member, you can convert your NAB Rewards Points to Velocity Points, to redeem when you fly with Virgin Australia or partner airlines, use eligible credit cards, shop with partner retailers, book hotels, hire cars and more.

Learn more about how to earn and redeem Velocity Points.

NAB Rewards Points Booster

Points Booster is a feature that helps you earn extra points faster. By shopping through the NAB Rewards Store or with participating retailers and partners, you can access special offers that multiply your points on eligible purchases.

To use Points Booster, log in to NAB Internet Banking or the NAB App, select your NAB Rewards card, and browse the Points Booster section for current deals. Complete purchases as outlined in the offer terms to earn extra points.

How Points Booster works

Learn how Points Booster works on different NAB Rewards cards.

    • Bonus Points at eligible grocery stores until 30 September 2026​: 1 NAB Rewards Point + 0.5 additional NAB Rewards Points (Bonus Points).

    Eligibility for additional points at grocery stores is determined by a merchant’s Merchant Category Code (MCC). An eligible grocery store is a merchant whose MCC is designated as 5411 Grocery Stores.  NAB is not responsible for designating MCCs and has no control over the same.  You’re unable to get points if you use an intermediary platform such as PayPal or a delivery platform such as Uber Eats for these transactions.

    • Bonus points with Webjet until 30 September 2026​: 1 NAB Rewards Point + 1 additional NAB Rewards Point (Bonus Points). Purchases made online with Webjet via NAB Rewards Store or on webjet.com.au. Webjet Booking Terms and Conditions apply.

  • Bonus points with Webjet: 

    • When you spend under $15,000 on eligible purchases in a Rewards Statement period (calendar month) until 30 September 2026​: 1.5 NAB Rewards Points + 1.5 additional NAB Rewards Points (Bonus Points).   
    • When you spend over $15,000 on eligible purchases in a Rewards Statement period (calendar month) until 30 September 2026​: 0.5 NAB Rewards Points + 2.5 additional NAB Rewards Points (Bonus Points). 

    Purchases made online with Webjet via NAB Rewards Store or on webjet.com.au. Webjet Booking Terms and Conditions apply.

  • Triple Points = Your card’s standard point + 2 additional standard points (bonus points)​​

    • Webjet: purchases online with Webjet via NAB Rewards Store or on webjet.com.au. Webjet Booking Terms and Conditions apply​.​

More about NAB Rewards credit cards

  • Being rewarded for your regular purchases, like groceries, petrol and bills. A NAB Rewards credit card allows you to benefit from earning points on most eligible everyday transactions, which can then be redeemed for a variety of flexible rewards ranging from gift cards, cashback and travel, including flights, accommodation and more. You have three years from the date you receive your points to use them.

    When selecting a rewards card, you should consider whether the value of the points you can earn outweighs the cost of the card, such as the annual fee. Our NAB Rewards credit cards also include sign-up bonus point offers from time to time which can boost your points balance on a new card, provided you meet eligibility criteria.

  • By consistently using your NAB Rewards Card for everyday spending and prioritising categories with higher earn rates.

    You can also earn points by using your NAB Rewards card to pay for bills, insurance and subscriptions – just keep in mind that some payments, like BPAY, government charges and ATO payments, aren’t eligible for points. For more information, read the NAB Rewards terms and conditions.

NAB Rewards vs Qantas Points

What’s the difference between NAB Rewards Points and Qantas Points?

NAB Rewards Points are earned on eligible NAB credit cards and offer flexibility. You can redeem them for gift cards, cashback, shopping, or transfer them to airline partners. Qantas Points are part of the Qantas Frequent Flyer program and are mainly used for flights, upgrades and travel rewards with Qantas and partners.

Can you convert NAB Rewards Points to Qantas Points?

NAB Rewards lets you transfer points to selected travel partners such as Velocity, KrisFlyer, Cathay, Airpoints, Accor, but Qantas isn’t an option. If you want to earn Qantas Points, consider a NAB Qantas Rewards credit card.

Is NAB Rewards or Qantas Rewards better for travel?

NAB Rewards Points suit people who want flexibility, including the option to enjoy gift cards or cashback, shop in the NAB Rewards Store, and transfer to airline partners. Qantas Points are best for frequent flyers focused on flights and upgrades.

Explore NAB Rewards credit cards

NAB Rewards Platinum Credit Card

Redeem NAB Rewards Points for a wide range in our NAB Rewards Store. Plus, enjoy complimentary insurances and Personal Concierge.

NAB Rewards Signature Credit Card

Apply today to take advantage of earning bonus points and enjoying other great rewards.

NAB Rewards Business Signature Card

Earn NAB Reward Points and redeem them at the NAB Rewards Store for a range of products and experiences.

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Terms and Conditions

Credit cards issued by National Australia Bank Limited.

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.