22.49 % p.a.
Bonus points offer | NAB Rewards Card - NAB
How points will be awarded
Points will be awarded on a tiered basis: 80,000 bonus points when you spend $3,000 in the first 90 days, plus 20,000 bonus points when you keep your card open for over 12 months.
Offer may end at any time. Eligibility criteria and terms and conditions apply.
Features and benefits
Take advantage of the NAB Rewards bonus points offer to enjoy a range of great benefits.
Earn rewards points fast
Earn up to 2 points per dollar on your everyday transactions. There's no limit to the amount of rewards points you can earn each month.
Transfer for frequent flyer and rewards programs
With NAB Rewards, you’re not limited to travelling with just one airline. Redeem your rewards with a great range of travel partners (including KrisFlyer and Koru). Excludes Qantas Frequent Flyer Program.
Complimentary insurances
Access to complimentary insurances
24/7 NAB concierge service
Assistance 24 hours a day, 7 days a week for travel and lifestyle services with NAB Service.
Earning NAB Rewards Points
Earn 1.25 NAB Rewards Points
Applies to every $1 spend on eligible purchases up to $5,000 in a Rewards Statement Period (calendar month), then 0.5 NAB Rewards Points for every $1 spend, uncapped.
Earn 0.75 bonus NAB Rewards Points
Applies to every $1 spend on eligible purchases for Groceries, Petrol and Public Transport (uncapped).
Things to consider
We want to help you choose the right card, so here are a few things to consider about this card before you apply.
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Higher interest rates compared to our NAB Low Rate Card
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Lower point earn rate compared to our NAB Rewards Travel Card.
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Higher annual fee compared to our other cards.
Standard rates and fees
NAB Rewards Card rates, fees and limits.
Variable purchase rate
Balance transfer rate
0 % p.a.
For 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid balance transfer reverts to the variable cash advance rate.
We can’t process balance transfers from certain issuers – see our indicative list.
Variable cash advance rate
22.99 % p.a.
| Annual card fee | $195 p.a. |
| Interest free days on purchases | up to 44 days |
| Minimum credit limit | $3,000 |
Applying is easy
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You need to be at least 18 years old to apply
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Complete your application in 15 minutes and get a response in 60 seconds
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You may be asked to provide payslips or bank statements
Terms and Conditions
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Interest, fees, charges and earn rates are subject to change.
Credit Card Terms and conditions and Target Market Determination available here. Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today and subject to change. Credit cards issued by National Australia Bank Limited.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.