70,000 bonus Qantas Points

  • 60,000 bonus points when you spend $2,000 on everyday purchases within the first 60 days of account opening and 10,000 bonus points when you keep your card for over 12 months.

  • You’ll also enjoy a reduced annual card fee (from $250 to $150) for the first year.

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.

Rates and fees

Learn more about our standard credit card interest rates, annual card fees and credit limits that apply to this card.

Variable purchase rate
20.99% p.a.
Standard balance transfer (BT) rate for 12 months
3% BT fee applies. Unpaid BT reverts to variable cash advance rate

We can’t process balance transfers from certain issuers – see our indicative list.

0% p.a.
Interest free days on purchases Up to 44
Annual card fee
(reduced to $150 for the first year)
$250 p.a.
Minimum credit limit $6,000
Variable cash advance rate
This is the interest rate charged on amounts you withdraw as cash, gambling transactions (including lottery ticket purchases), or transfer from your credit card to another account.
21.74% p.a.

Unlock offers for existing customers

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.

Here's how to get started:

  • Log into the NAB app or NAB Internet Banking.

  • For NAB app users go to Products, then 'Credit Cards'.

  • For Internet Banking users go to Products, then ‘Credit Cards’.

  • Browse available offers on eligible new NAB credit cards.

New to NAB Internet Banking? Register now, opens in new window

How to earn Qantas Points

Make the most of your everyday purchases to earn Qantas Points and redeem them for rewards. Qantas Points are capped at $6,000 per statement period.

1 Qantas Point per $1.50

For the first $3000 on everyday purchases using your Visa card.

1 Qantas Point per $3

For the next $3000 ($3001 - $6000) of everyday purchases on your Visa card.

Join for free

Free Qantas Frequent Flyer membership (a saving of $99.50).

Redeem rewards

You can redeem your rewards for award flights, products, vouchers and more from the Qantas Marketplace.

Bonus points

Earn 1 bonus point for every dollar on eligible Qantas services.

Benefits of this Qantas Rewards card

Enjoy complimentary services, discounts and other great benefits with the NAB Qantas Rewards Premium Card.

Complimentary insurances

This covers domestic, interstate and international travel to keep you safe at your destination.

Visa Premium Access

Discover hundreds of deals, discounts and privileges with Visa Premium Access, opens in new window.

Add another card

Add an additional cardholder at no extra cost.

Fraud protection

NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.

Concierge service

Your own 24 hours a day, 7 days a week personal assistant for travel and lifestyle services with NAB Concierge Service.

Emergency assistance

We’re here for you 24 hours a day, seven days a week over the phone if your credit card is lost or stolen.

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. Capped monthly points earn compared to our NAB Rewards cards.

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

  3. Lower points earn per dollar compared to our NAB Qantas Signature Card.

  4. Higher annual fee compared to our other cards.

Enjoy six complimentary insurances

Travel insurances

  • International travel insurance

  • Domestic travel insurance

  • Rental vehicle excess insurance in Australia

Purchase insurances

  • Purchase protection insurance

  • Extended warranty insurance

Please see the Important Information section about changes to these complimentary insurances effective 1 November 2023.

Mobile phone insurance

  • Accidental damage

  • Theft

Ready to apply?

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

Earn Qantas Points when you shop

You can earn Qantas Points by shopping at over 400 brands online through Qantas Shopping. Link your NAB credit card with Card Offers to unlock exclusive offers for bonus points in store and online.

Shop with Qantas Points

Looking for another way to use your Qantas Points? With more than 20,000 products from over 900 of the world’s leading brands, Qantas Marketplace is a one stop shop for rewarding yourself using your Qantas Points.

Make the most of travel

Make the most of your Qantas Frequent Flyer Points by taking a holiday. There’s a lot that goes into making a holiday happen, so check out our travel tips and tools for inspiration and guidance.

Credit card tools and calculators

Need help finding the right card or want to see how much you could save with our credit cards? We have some handy tools to help.

Understanding credit cards

Here are some handy guides to help you better understand how credit cards work.

Help and support

We're here to help. Use our guides and support services to better manage your money.

Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

Other rewards cards to consider

Still trying to decide on the right rewards card for you? Here are a few more options to consider.

Get in touch

Visit a NAB branch

Visit your nearest NAB branch to speak to us in person.

Terms and Conditions

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. 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), opens in new window

Personal banking fees – A guide to fees and charges (PDF, 153KB), opens in new window

Indicator rates for other personal lending products