Your NAB Flybuys Card is being replaced

The NAB Flybuys Card is changing, and we’ll be replacing it with a NAB Rewards Platinum Credit Card.

What else is changing

  • Currently, under your NAB Flybuys Credit Card you and your additional cardholder are eligible to earn Flybuys Points. Under the NAB Rewards Platinum Card, you and your additional cardholder will be eligible to earn NAB Rewards Points.
  • As you hold other NAB credit cards, which may also be set up to have points transferred, we haven’t linked your Flybuys account with your new card. 
  • You can only choose one loyalty partner to redeem your NAB Rewards Points, across all NAB Rewards cards. 
  • With your NAB Rewards Platinum Credit Cards, your NAB Rewards Points will be uncapped.

What’s staying the same

  • Your new cards will have the same card number, expiry date, CVV, credit limit and daily transaction limits.
  • Any linked accounts – like your transaction or savings account – will stay linked.
  • Any existing direct debits, recurring or automatic payments will continue unless you change them.
  • Your credit card terms and conditions remain the same.
  • The annual card fee and interest rates  remain unchanged.
  • You'll still receive up to 44 days interest free on purchases.
  • Your Flybuys Points earning rate will remain the same.  You’ll receive 1 NAB Rewards Point for every $1 spent, which can be redeemed for 1 Flybuys Point. You can also earn additional points with Points Booster  and there’s no cap on how many NAB Rewards Points you can earn.
  • You will both have the same NAB Credit Card Cover arrangements you have on your account now (if applicable).
  • You will still have access to the NAB Concierge Service 24/7.
  • You’ll continue to have access to the following complimentary insurances:  
    • Complimentary Purchase Protection Insurance
    • Extended Warranty Insurance
    • International Travel Insurance
    • Domestic Travel Insurance
    • Rental Vehicle Excess in Australia Insurance

For full details of your complimentary insurance cover, please read our NAB Card Insurance Policy Information Booklet dated 1 July 2025.

NAB Rewards Points and auto redemption

  • All rewards points earned on your NAB Rewards Platinum Credit Card will be NAB Rewards Points . There’s no limit to the number of NAB Rewards Points you can earn each month.
  • You’ll earn 1 NAB Rewards Point on everyday purchases, 1.5 NAB Rewards Points at eligible grocery stores, and 2 NAB Rewards Points at Webjet, per $1 spent .
  • As NAB Rewards Points are not capped, you’ll no longer be capped as to the number of Flybuys Points you can earn in a statement period.
  • Your Flybuys Points will no longer be listed on your NAB credit card statement. The primary cardholder will receive a new monthly NAB Rewards Statement, which will include the total NAB Rewards Points earned.
  • You can automatically convert your NAB Rewards Points to Flybuys Points (or another loyalty program), by setting up a monthly transfer in the NAB Rewards Store. This is called auto redemption .
  • If you already have a NAB Rewards card and your NAB Rewards Points are set to auto redeem to a loyalty partner program, your new NAB Rewards card will continue to auto redeem to the same program. To change this, follow these steps in NAB Internet Banking, or the NAB app:
    1. Select Cards and click NAB Rewards Store.
    2. Click the person icon and select Profile.
    3. Select ‘find out more’ in Automatic Redemptions.
    4. Choose your loyalty partner and set up auto redemption.
    5. Enter your details and submit.

Changes to our agreement with you

The following changes will happen 60 days after we send you both NAB Rewards Platinum Credit Cards, or when you first use your NAB Rewards Platinum Credit Cards, whichever is first:

  1. Your NAB Flybuys Rewards cards will be deactivated and can no longer be used, and the NAB Flybuys Rewards Terms & Conditions dated 18 April 2024 will no longer apply.
  2. The rewards terms and conditions applicable to both NAB Rewards Platinum Credit Cards will be the NAB Rewards Terms and Conditions available at nab.com.au/nabrewardstc (PDF, 740KB) and you will be eligible to earn NAB Rewards Points.
  3. The following terms and conditions will apply to your enrolment in auto redemption:
    • 1 Flybuys Point will be earned for every 1 NAB Rewards Point redeemed. The use of Flybuys Points and participation in the Flybuys program is subject to the Flybuys Terms & Conditions, which can be found on the Flybuys website. The earning and redemption of NAB Rewards Points is subject to the NAB Rewards Terms and Conditions.
  4. To redeem NAB Rewards Points for Flybuys Points, individuals must be a Flybuys member. The redemption of NAB Rewards Points will be administered solely by NAB Rewards and can take up to 10 business days to transfer into the Flybuys membership account. Once NAB Rewards Points have been redeemed for Flybuys Points, they are governed by the Flybuys Terms & Conditions and cannot be reversed.

Complimentary insurance changes in May 2026

From 15 May 2026 onwards, there will be additional complimentary insurance changes:

  • We’re adding complimentary Mobile Phone insurance , so you’ll be covered against accidental damage and theft, if you pay your monthly mobile phone bill using your NAB credit card. If the monthly payment on your card is missed, your complimentary Mobile Phone insurance cover will be suspended on the first day of the following month. Terms, conditions and exclusions apply. See the Policy for full details at nab.com.au/mobilephoneinsurance.
  • Travel Insurances will be removed so you’ll no longer be eligible for complimentary International, Domestic Travel insurance and Rental Vehicle Excess Insurance in Australia . This means you’ll need to make your own alternative insurance arrangements to be covered on or after 15 May 2026.

There will be no changes to Extended Warranty and Purchase Protection complimentary insurances, and you’ll continue to be covered for this.

We’ll communicate further details of these changes, along with the new Insurance Policy Information Booklet dated 15 May 2026, closer to the time. In the meantime, for details of these insurance changes, please read the summary of changes.

Receiving and using your new NAB Rewards Platinum Card

  • You’ll be notified via SMS when the new cards are being sent. At this time, you will also see the new card displayed in the NAB app and NAB Internet Banking . If either of you use Apple Pay or Google Pay, you’ll receive another SMS when the new card/s can be added to your digital wallet/s.

    Please ensure the new cards are signed when received.

  • Please ensure you and your additional cardholder’s new cards are signed when received.

    The new card is sent activated, which means you can start using the new card once it arrives. Once you receive the new card, you should destroy the existing card by cutting it in half, making sure to cut through the card number, expiry date, microchip, magnetic strip, and security code (CVV).

    The existing card will continue to work for 60 days after the new card arrives, or until you first use your new NAB Rewards Platinum Credit Card (whichever happens first).

  • If you need to change the address where your new card will be delivered, you can update your details using the NAB app or NAB Internet Banking as soon as possible.

  • Your new card will be sent to the address we have on your Profile in the NAB app or NAB Internet Banking. Please ensure your address and contact information are up to date. You can update your details using the NAB app or NAB Internet Banking.

    If you're planning to travel and are concerned you might not receive your new card in time, you can let us know by calling us on 13 22 65, Monday to Friday, 8:00am to 7:00pm (AEST/AEDT), Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT).

    Your existing card will continue to work for 60 days after the new card arrives or until you first use your new NAB Rewards Platinum Credit Card (whichever happens first).

  • You can change your card’s PIN at any time using the NAB app or NAB Internet Banking or at selected NAB ATMs.

  • All you need to do is start using your new card when it arrives.

    Once we issue you the new card and before you receive it, you’ll see the new card displayed in the NAB app and NAB Internet Banking . If you use Apple Pay or Google Pay, you’ll receive an SMS when the new card can be added to your digital wallet.

    The existing card will continue to work for 60 days after the new card arrives or until you first use your new NAB Rewards Platinum Credit Card (whichever happens first).

  • Your existing NAB Flybuys Credit Card will continue to work for 60 days after the new NAB Rewards Platinum Credit Card arrives or until you first use your new NAB Rewards Platinum Credit Card (whichever happens first). 

    If you still have the physical card, you should destroy the card by cutting it in half, making sure you cut through the card number, expiry date, microchip, magnetic strip, and security code (CVV).

  • Your Flybuys Points will no longer be listed on your NAB credit card statement. The primary cardholder will receive a new monthly NAB Rewards Statement, which will include the total NAB Rewards Points earned.

    If you have registered for online statements, you’ll have access to your NAB Flybuys Credit Card statement for the last seven years.

  • Your existing Flybuys Points will not be impacted as part of this change , assuming auto redemption to Flybuys is correctly set up.

    To see when Flybuys Points expire please refer to Australia's Favourite Rewards Program | Flybuys

  • You’ll earn 1 NAB Rewards Point for every $1 spent on everyday purchases. You can also earn 1.5 NAB Rewards Points at eligible grocery stores and 2 NAB Rewards Points at Webjet per $1 spent.

    For every NAB Rewards Point you earn you earn, you’ll receive 1 Flybuys Point.

  • To keep you updated on how many Points you’ve earned, we’ll email you a new monthly NAB Rewards Statement, which will include the total NAB Rewards Points earned.

    If you need to update your email address you can update your details using the NAB app or NAB Internet Banking.

    You can also check your NAB Rewards Points balance anytime by following these steps:

    1. Log into the NAB app or NAB Internet Banking.
    2. Select Cards in the NAB app or in NAB Internet Banking.
    3. Choose your NAB Rewards Card to see your total Points balance displayed under NAB Rewards Points balance.

  • You can view your NAB Rewards Transaction history with the following steps:

    1. Log in to NAB Internet Banking or the NAB app, go to the Cards menu and select your NAB Rewards Card.
    2. Click on Redeem your Points to access the NAB Rewards Store.
    3. Go to My Account (person icon) and select Transaction history.

  • You can automatically convert your NAB Rewards Points to Flybuys Points (or another loyalty program), by setting up a monthly transfer in the NAB Rewards Store. This is called auto redemption . 

    If you already have a NAB Rewards card and your NAB Rewards Points are set to auto redeem to a loyalty partner program, your new NAB Rewards card will continue to auto redeem to the same program. To change this, follow these steps in NAB Internet Banking, or the NAB app: 

    1. Select Cards and click NAB Rewards Store.
    2. Click the person icon and select Profile.
    3. Select ‘find out more’ in Automatic Redemptions.
    4. Choose your loyalty partner and set up auto redemption.
    5. Enter your details and submit.

  • Any existing direct debits, recurring payments or automatic payments will continue unless you change them.

  • Any linked accounts – like your savings or cheque account – will stay linked.

  • If you feel that the NAB Rewards Platinum Credit Card is not suitable for your needs, you can chat with us using NAB Messaging in the NAB app or clicking on the message icon on nab.com.au. Alternatively, you can call us on 13 22 65, Monday to Friday, 8:00am to 7:00pm (AEST/AEDT), Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT).

  • Your new card will have the same credit limit and daily transaction limit.

  • Flybuys Points

    To see when Flybuys Points expire please refer to Flybuys Terms & Conditions.

    NAB Rewards Points

    To see when NAB Rewards Points expire please refer to NAB Rewards Terms & Conditions (Clause 12). (PDF, 740KB)

Terms and Conditions

Card Terms and Conditions

Please remember that you and your additional cardholder’s new card continues to be governed by the Personal NAB Credit Card Terms and Conditions available at nab.com.au/cardinfo (being the terms which governed your previous credit card product).