Standard rates & fees

  • 19.99 %p.a.

    Standard purchase rate

  • 0 %p.a.

    balance transfer rate for 6 months, unpaid balance transfer reverts to cash advance rate. 2% BT 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


  • 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 Credit Card points

Up to 2.25 Points per dollar on a NAB Rewards Classic Card

Earn points on your every day transactions and there is no limit to the amount of points you can earn each month.3

Earn 2.25 points

On purchases made online with Webjet via the NAB Rewards Store or on; when travelling overseas or on overseas purchases made here in Australia.4

Earn 1.5 points

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

Earn 0.75 point

on all other everday purchases

Using your Rewards Points

Gift Cards

Redeem your points for a gift card from our extensive range of over 60 retailers.

Fashion & Accessories

Cosmetics, fragrances, jewellery, watches, handbags and more.


Use your points for the latest gadgets from Apple, Bose, Samsung and more.

Banking rewards

Use your points for cashback off your NAB Rewards Card or top up your NAB bank account.


Use your points for good by donating to one of our 100 charity partners.


Get all the appliances you could need from great brands like KitchenAid, Breville, Nespresso and Dyson.

Browse the NAB Rewards Store


o Redeem your points for any available seat, on any airline, at any time, including sale fares

o There are no additional charges for fees or taxes – your points cover it all

o Use your points for your accommodation to get your whole holiday sorted

o 30,000 NAB Rewards Points gives you $150 to spend with Webjet

Find out more

Asia Miles

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

Find out more

Velocity Frequent Flyer

Redeem and fly with Virgin Australia, Etihad Airways, Singapore Airlines, Tigerair, Virgin Atlantic, Hong Kong Airlines 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


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

Find out more

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 purchased with your card 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

Call us