Rates and fees

Variable purchase rate

20.99% p.a.

Variable cash advance rate

21.74% p.a.

Standard balance transfer rate

0% p.a. for 12 months
Balance transfers

Balance transfer fee

3% balance transfer fee applies.

Annual card free

$95 p.a.

Other fees may apply.

Annual card fee and interest rates are subject to change. Correct as at 5 February 2022. View full details of fees and charges.


On 18 April, Points Boost on NAB Rewards Classic is changing. . Earn points on your everyday transactions and there is no limit to the amount of points you can earn each month.

Earn 2.25 points - On purchases made online with Webjet, when travelling overseas or on overseas purchases made here in Australia.

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.

Earn 0.75 point - on all other everyday purchases.

Find out more about NAB Rewards Cards.


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 90 days from when you receive your item.

Terms and Conditions

NAB Rewards bonus points special offer

Offer commenced 12 November 2018. To be eligible for the 30,000 bonus points offer, you must have applied for a new personal NAB Rewards Classic Card, before the offer is withdrawn, be approved, and spend $500 on everyday purchases within 60 days of opening your account on your NAB Rewards Classic Card. NAB may vary or end this offer at any time.

Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. Points will be credited to your points balance within 3 months of meeting the spend criteria. These bonus points offer are not available to existing customers who have received or are entitled to receive NAB Rewards Bonus Points for a new personal NAB Rewards credit card or NAB Home loan in the twelve months prior to the opening of a NAB Rewards Signature Card, NAB Rewards Platinum Card or NAB Rewards Classic Card account. Offers are not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer. Gift Card values correct as at 12 November 2018. Points values & stock levels subject to change. Check reward website, opens in new window.