1 Balance Transfer Standard Rate
After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au Interest free days on purchases do not apply while you have a balance transfer. 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 Standard balance transfer rate and term may be varied or withdrawn at any time.
2 Interest free days on purchases
Interest free days on purchases applies if you pay your account in full by the due date each month. You won't receive interest free days on purchases while you have a balance transfer.
Points are capped at $3,000 spend per statement period.
Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders 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. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy information booklet (PDF, 450KB) and in the NAB Purchase Protection Insurance Policy information booklet (PDF, 275KB) which may be amended from time to time. NAB does not guarantee this insurance.
To earn and redeem Qantas Points using your NAB Qantas Rewards Premium Card, you must be a member of the Qantas Frequent Flyer program and have provided your valid membership number to NAB. Points are offered in accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions (PDF, 255KB). If you are not already a Qantas Frequent Flyer member, NAB has arranged for the joining fee to be waived if you apply and receive a NAB Qantas Rewards Premium Card and join through qantas.com.au/joinffnab. Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com.au/terms. Find out more about these rewards from Qantas at qantaspoints.com/use-points.
You will earn 1 Bonus Point for every dollar charged to your Card Account for the purchase in Australia of the following services directly from Qantas (i.e. where Qantas, and not its agent, is identified as the merchant on the credit card transaction):
- Qantas flights booked directly through qantas.com and Qantas Contact Centres;
- Qantas flights booked through selected travel agents but processed with Qantas Airlines identified to card scheme as the relevant merchant;
- purchases of Qantas Frequent Flyer membership;
- purchases of Qantas Club membership, joining and annual fees;
- purchases of Qantas Gift Vouchers; and
- purchases made through qantasstore.com.au, qantasshop.com.au and qantasepiqure.com.au.
Unless otherwise notified, Bonus Points will not be earned in relation to purchases from:
- Qantas Freight
- Qantas Holidays Ltd
- Qantas Business Travel Pty Ltd
- other businesses or franchisees of Jetset Travelworld Ltd
- Qantas Staff Travel
- Jetstar Airways Pty Ltd
- other Jetstar-branded businesses, or
- for goods or services supplied by Qantas Frequent Flyer program partners.
NAB recommends you consider the Internet Banking terms and conditions document, available here, before making any decisions regarding this product. This product is issued by National Australia Bank Limited. Instant digital card is available for Android only. Only available for NAB Visa Debit and Credit Card. For payments of $100 or over, you need to set a PIN for your card. To do so, login to the NAB App and head to the My cards section > Change my PIN. The NAB Mobile Banking app is compatible with Android OS 5.1 and above, and iOS 10.3 or later. Selecting our optional Quick Balances feature will disable your SMS account balance notifications. Apple, iPhone, iPad, Touch ID and the Apple logo are trademarks of Apple Inc., registered in the U.S and other countries. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of Google Inc. © 2012 Google Inc.
Visa payWave® is a registered trademark of Visa Worldwide Pte Limited.
Fees and charges
Terms and conditions 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 13 November 2017.
Credit cards issued by National Australia Bank Limited. ©2018 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.
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