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.2

  • 21.74 %p.a.

    Cash advance rate

  • $295

    Annual card fee

  • Up to 44

    Interest free days on purchases3

  • $15000

    Minimum credit limit



  • 90,000 BONUS POINTS when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 BONUS POINTS when you keep your card for over 12 months.

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

Earning Credit Card Points

Up to 3.75 Points per dollar on a NAB Rewards Signature Card

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

Earn 3.75 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 2.5 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 1.25 points

on all other everyday 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.


As a Signature cardholder you get access to exclusive brands and rewards not available to other cardholders.

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 120,000 NAB Rewards Points gives you $600 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


Fraud protection

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

Add another card?

Add an additional cardholder at no extra cost.7

Emergency assistance

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

Concierge service

Access to 24 hour, 7 day assistance for travel and lifestyle services with NAB Concierge.6

Visa Premium Access

Discover hundreds of deals, discounts and privileges with Visa Premium Access.

Complimentary insurances

7 complimentary insurances1 to keep you safe

  • Overseas travel insurance
  • Transport Accident insurance
  • Interstate flight inconvenience insurance
  • Domestic hotel burglary insurance
  • Purchase protection insurance
  • Extended warranty insurance
  • Price protection insurance

Find out more

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

Not the right card for you?

NAB Rewards Platinum Card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances View disclaimer 1

NAB Rewards Classic Card

Enjoy our lowest annual card fee within our Platinum card range, a great choice for everyday purchases with the added benefits of complimentary insurances

NAB Qantas Rewards Signature Card

Our highest Qantas Points earn rate with platinum services and complimentary insurances View disclaimer 1

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