How points will be awarded

You’ll receive 100,000 bonus NAB Rewards Points when you spend $3,000 on everyday purchases in the first 60 days, plus, 40,000 bonus NAB Rewards 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 Signature Card offer to enjoy a range of great benefits.

A high earn rate

You'll earn 1.25 NAB Rewards Points for every $1 spent on everyday purchases with no cap on how many points you can earn.

Points booster

You can earn double NAB Rewards Points (2.5 points for every $1 spent) at major hardware and department stores, and earn triple points at Webjet and on money spent overseas.

Complimentary insurances

Access to complimentary insurances including international travel insurance.

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.

  1. Higher interest rates compared to our NAB Low Rate Card.

  2. Higher annual fee compared to our other cards.

Standard rates and fees

NAB Rewards Signature Card rates, fees and limits.

Variable purchase rate

19.99 % p.a.


Balance transfer rate

0 % p.a.

For 12 months standard balance transfer (BT) rate. 3% BT fee applies.  Unpaid BT reverts to variable cash advance rate.

Variable cash advance rate

21.74 % p.a.


Annual card fee $195 p.a reduced annual card fee for your first year. This reverts to $295 p.a
Interest free days on purchases up to 44 days
Minimum credit limit $15,000

Applying is easy

  1. You need to be at least 18 years old to apply

  2. Complete your application in 15 minutes and get a response in 60 seconds

  3. You may be asked to provide payslips or bank statements

Terms and Conditions

Fees and charges

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 1 September 2021 and subject to change. Credit cards issued by National Australia Bank Limited.