Points will be awarded on a tiered basis: 90,000 bonus points when you spend $3,000 in the first 60 days+30,000 bonus points when you keep your card open for over 12 months.*

Features and benefits

Our highest earn rate on our most rewarding card

Our highest earn rate on our most rewarding card

1.25 NAB Rewards Points for every $1 spent on everyday purchases.~

Plus, you'll experience uncapped Reward Points earn potential.

Complimentary insurance

Complimentary insurance

Access to complimentary insurances including international travel insurance.3

Points booster

Points booster4

Earn double points (2.5 points per dollar spent) at major hardware and department stores.  Earn triple points (3.75 points per dollar spent) at Webjet and on overseas spend.

Rates and Fees

  • 19.99 %p.a.

    Standard purchase rate

  • 0.00 %p.a.

    balance transfer rate for 6 months, unpaid balance transfer reverts to cash advance rate. 2% BT fee applies.1

  • 21.74 %p.a.

    Cash advance rate

  • $295

    Annual card fee

  • Up to 44

    Interest free days on purchases2

  • $15000

    Minimum credit limit

Apply in four easy steps

  • Step 1 Apply online in 15 minutes and get a response in 60 seconds.
  • Step 2 We may ask you for payslips or bank statements.
  • Step 3 New to NAB? Get identified online. You need to be at least 18 years old.
  • Step 4 Receive your card in up to five working days.

Apply online in 15 minutes and get a response in 60 seconds.

Important information

* Offer commences 16 August 2019. To be eligible for the 120,000 bonus points offer, you must apply for a new NAB Rewards Signature Card before the offer is withdrawn, be approved, and spend $3,000 on everyday purchases within 60 days of opening your account. Points will be awarded on a tiered basis - 90,000 bonus points when you spend $3,000 on everyday purchases in the first 60 days (credited to your points balance within 3 months of meeting the spend criteria) and 30,000 bonus points after 12 months (credited to your points balance within the 13th month). Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. NAB may vary or end this offer. This offer is not available to existing customers who have received or are entitled to receive NAB Rewards Bonus Points for a new personal NAB Rewards Signature Card in the twelve months prior to the opening of the NAB Rewards Signature Card account.

~ Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions (PDF,292KB) available at rewards.nab.com.au. These terms describe the purchases not eligible to earn points. You must have an open and active NAB Rewards credit card account to earn points.

1 Interest free days on purchases applies if you pay your account in full, or if the statement displays an interest free days payment, that amount in full, by the due date each month.

2 Standard Balance Transfer Rate - After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74% p.a. as at 16 August 2019). The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest rates are subject to change and available at nab.com.au. While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time. Not available in conjunction with the Balance Transfer Special offer.

3 AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allow eligible persons to claim under them as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth).

Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.

If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the insurance information booklet.

For cardholders of Premium, Platinum and Signature tier cards (and certain other cards that are no longer for sale, as listed in the policy information booklet), there are six included insurance covers: international travel insurance, interstate flight inconvenience insurance, transit accident insurance, rental vehicle excess in Australia insurance, purchase protection insurance and extended warranty insurance. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 31 March 2021 (PDF, 506KB) which may be amended from time to time. For insurable events that occurred prior to 31 March 2021, the eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 1 September 2019 (PDF, 440KB).

For cardholders of the NAB Low Fee Credit Card and the NAB VISA Debit Card (and certain other cards that are no longer for sale, as listed in the policy information booklet), there is one included insurance cover: purchase protection. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Purchase Protection Insurance Policy Information Booklet dated 31 March 2021 (PDF, 306KB) which may be amended from time to time. For insurable events that occurred prior to 31 March 2021, the eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Purchase Protection Insurance Policy Information Booklet dated 1 September 2019 (PDF, 279KB).

4 How does Points Booster work?

Triple points: 1.25 NAB Rewards Points + 2.5 additional NAB Rewards Points (bonus points)

Overseas purchases - Purchases (in store and online) where the merchant, financial institution or entity processing the transaction is located outside Australia. International transaction fees continue to apply.

Webjet - Purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au. Webjet Booking Terms and Conditions apply.

Double points: 1.25 NAB Rewards Points + 1.25 additional NAB Rewards Points (bonus points)

Use your card to shop in-store and online at your favourite major department stores and hardware stores; such as, Myer, David Jones, Bunnings, Mitre 10 and many more – the choice is yours.

Points Booster is subject to the NAB Rewards Terms and Conditions (PDF, 292KB). Only eligible transactions under those terms and conditions earn points and bonus points. Points are credited to your points balance after the eligible transaction is credited to your NAB Rewards credit card account: for standard points within 10 business days of processing and for bonus points within 3 business days of the standard points being processed. Details are correct as at 2 September 2019 and are subject to change by NAB.

Credit Card Terms and Conditions available. Fees and charges are payable. Approval and credit limit are subject to NAB's credit assessment criteria. Information, including interest rates and fees are subject to change. NAB Rewards Terms and Conditions apply (PDF, 315KB). Correct as at 31 March 2021.

©2021 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.