Explore our credit cards
Rewards
NAB Qantas Rewards credit cards
Suitable for earning Qantas Rewards Points for flights, products and more. Please see complimentary insurance changes effective 15 May 2026 below.
Earn Qantas Points and enjoy platinum services and complimentary insurances.
Minimum credit limit
$6,000
Annual card fee
$ 295 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Up to 80,000 bonus Qantas Points
Bonus Points are not available if you’ve received a NAB Qantas rewards acquisition bonus points offer in the last 18 months.
Bonus points are credited to your points balance within three months of meeting the spend criteria.
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Our highest Qantas Points earn rate with platinum services and complimentary insurances.
Minimum credit limit
$15,000
Annual card fee
$ 420 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Up to 120,000 bonus Qantas Points
Bonus Points are not available if you’ve received a NAB Qantas rewards acquisition bonus points offer in the last 18 months.
Bonus points are credited to your points balance within three months of meeting the spend criteria.
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB Rewards credit cards
Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more. Please see complimentary insurance changes effective 15 May 2026 below.
Earn NAB Rewards Points and enjoy platinum services and complimentary insurances.
Minimum credit limit
$6,000
Annual card fee
$ 195 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Up to 100,000 bonus NAB Rewards Points
Bonus Points are not available if you’ve received a NAB Rewards Platinum acquisition bonus points offer in the last 18 months.
Bonus points are credited to your points balance within three months of meeting the spend criteria.
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Our highest NAB Rewards Points earn rate with premium services and complimentary insurances.
Minimum credit limit
$15,000
Monthly card fee
$ 35 p.m.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Key benefits of this card
Important Upcoming Complimentary Insurance changes
Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Please read the summary of changes for further details and how they will affect your insurance cover.
New
Earn Velocity Points
Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.
To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page.
To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB.
Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time.
Low rate
Low interest rate credit card offers
Your choice of offers to suit your credit needs, select either our promotional balance transfer offer or our cashback offer. May suit if you are not likely to pay off your closing balance in full every month.
Looking to transfer your existing credit card or store card debt to a new NAB credit card? Enjoy our promotional balance transfer offer for 24 months.
Minimum credit limit
$1,000
Annual card fee
$ 59 p.a.
Variable purchase rate
13.49 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
5.99% p.a. on balance transfers (BT) for 24 months with no BT fee
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Looking for a credit card that offers a low interest rate and provides $400 cashback?
Minimum credit limit
$1,000
Annual card fee
$ 59 p.a.
Variable purchase rate
13.49 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
$400 cashback
If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Purchases must be processed and charged to your account in the 150 day period from account opening to count towards the spend criteria.
This offer is only available online. Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
Low annual fees
Low annual fee credit cards
May suit you if you want a low fee card, with a choice of standard or platinum benefits.
A no-frills card with our lowest annual fee and access to special offers, complimentary purchase protection insurance and fraud protection.
Minimum credit limit
$1,000
Annual card fee
$ 30 p.a.
Variable purchase rate
20.99 % p.a.
Benefits
Considerations
Not the right card for you? We can help you choose a different one.
Enjoy $200 cashback
Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.
NAB credit card benefits and features
Digital wallet pay
Pay with the smartphones and wearables you already own and use everyday with our digital payment options.
Fraud protection
Fraud protection and online security so you can enjoy peace of mind with all your purchases.
24/7 Emergency assistance
If your card is lost or stolen, you can block it via the NAB app or call us any time.
Visa Entertainment
Special offers on shows, events, experiences and movies from Visa Entertainment.
NAB credit card eligibility
To apply for a NAB credit card, you must be:
The following visa categories are not acceptable:
Manage your card with the NAB app
Download the NAB app today to access the convenience of managing your cards online. Here are just a few things you can do.
Help and support
We have guides and other resources to help you apply for a new credit card or manage an existing one.
Looking for a business credit card?
See our range of business credit cards to help you manage expenses and earn business rewards.
Learn more about the application process
How to apply for a credit card online
Learn more about what you’ll need to apply for a NAB credit card.
Personal Loan application customer support
Learn what happens after you apply for a personal loan.
Resume a saved application
Save the progress of your application and return at any time.
Understanding credit cards
How to get a good credit score
Learn how to improve your creditworthiness to help yourself get ahead.
How credit cards work
A guide to help you decide if a credit card is right for you and how to apply for one if it is.
Credit card or personal loan
Key differences between credit cards and personal loans.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Important Information
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Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
Fees and charges
Read our credit card terms and conditions. Credit card 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.
Credit cards issued by National Australia Bank Limited.
NAB Credit Card Terms and Conditions
NAB Electronic Banking (card based) terms and conditions
NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB)