Standard rates & fees

  • 19.99 %p.a.

    Standard purchase rate

  • 0 %p.a.

    for 6 months standard balance transfer rate. 2% balance transfer fee applies.1

  • 21.74 %p.a.

    Cash advance rate

  • $95

    Annual card fee

  • Up to 44

    Interest free days on purchases2

  • $500

    Minimum credit limit

Special offer

On a New NAB Rewards Classic Card


  • 30,000 BONUS POINTS when you spend $500 on everyday purchases within 60 days of account opening. That's enough for $150 in Gift Cards.

    View disclaimer *
  • Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Earning points

0.75 points on a NAB Rewards Classic Card

Earn 0.75 NAB Rewards Point for every dollar spent on everyday purchases.3

Plus you'll experience uncapped Reward Points earn potential.

NAB Rewards Points Booster
Earn double points

on purchases made at major department and hardware stores (instore and on line) including: Myer, David Jones, Kmart, Target, Big W, Bunnings, Mitre 10, Home Timber and Hardware, Stratco and Total Tools 4

2 x standard points

Earn triple points

on purchases with Webjet, when travelling overseas or on overseas purchases made here in Australia 4

3 x standard points



Accommodation and holiday packages, the perfect getaway with Webjet

Gift cards

Select from a range of gift cards at some of your favourite stores


Redeem points for a wide range of merchandise, from homewares to technology and more

Your NAB Rewards travel options


90,000 NAB Rewards Points will get you $450 with Webjet. Book any seat, on any airline, at any available time.

Find out more

Asia Miles

Redeem and fly with 20+ airline partners including Cathay Pacific, British Airways, Qantas Airways and more.

Find out more

Air New Zealand Airpoints

Air New Zealand's loyalty programme. Redeem and fly with Air China, Singapore Airlines, United Airlines and more.

Find out more

Velocity Frequent Flyer

 Redeem and fly with Virgin Australia, Etihad Airways, Singapore Airlines, Tigerair, Virgin Atlantic, Hong King Airlines and more.

Find out more


Singapore Airline’s loyalty programme. Redeem and fly with Singapore Airlines, SilkAir, Scoot, Star Alliance airlines and more.

Find out more

Browse the NAB Rewards Store

More about NAB Rewards

Card features and benefits

Fraud protection

NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.

Emergency assistance

We’re here for you 24/7 over the phone if your credit card is lost or stolen.

Add another card?

Add an additional cardholder at no extra cost.6

Complimentary purchase protection insurance

For loss or theft of, or accidental damage to new personal items anywhere in the world, for three months from the date of purchase.5

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment.

Apply online in 25 minutes and get a response in 60 seconds.

Not the right card for you?

NAB Rewards Platinum Card

Make life more rewarding with the freedom of NAB Rewards, and the added benefit of complimentary insurances

NAB Low Rate Card

Our lowest interest rate on purchases with no frills

NAB Low Fee Card

Our lowest annual fee card with no frills

We're ready to help you

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