Standard rates & fees

  • 19.99 %p.a.

    Standard purchase rate

  • 0 %p.a.

    for 6 months standard balance transfer rate. 2% balance transfer fee applies. 2

  • 21.74 %p.a.

    Cash advance rate

  • $250

    Annual card fee

  • Up to 44

    Interest free days on purchases3

  • $6000

    Minimum credit limit

Find out more about rates and fees.

On 30 March 2020, we're updating our NAB Credit Card Terms and Conditions for personal Credit Cards. Find out how these changes might affect you.

Special offer


  • 30,000 BONUS POINTS when you spend $2,500 on everyday purchases within 60 days of account opening.

    View disclaimer *
  • NAB may vary or end this offer at any time. See important information below.

Make the most of your everyday purchases by earning Qantas points

1 Qantas Point per $1.50

For the first $3,000 of everyday purchases on your Visa Card4

1 Qantas Points per $3

For the next $3,000 ($3,001 - $6,000) of everyday purchases on your Visa Card4

Join for free

Free Qantas Frequent Flyer membership (a saving of $99.50)5

Redeem Rewards

Including award flights, products and vouchers from the Qantas store5

More Points

Earn 1 Bonus Point for every dollar on eligible Qantas services5


Fraud protection

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

Add another card?

Add an additional cardholder at no extra cost.7

Emergency assistance

We’re here for you 24/7 over the phone if your credit card is lost or stolen.

Concierge service

Your own 24 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge Service.6

Visa Premium Access

Discover hundreds of deals, discounts and privileges with Visa Premium Access.

Discover more credit card benefits and what they can do for you.

Complimentary insurances

7 complimentary insurances1 to keep you safe

  • Overseas travel insurance
  • Transport Accident insurance
  • Interstate flight inconvenience insurance
  • Domestic hotel burglary insurance
  • Purchase protection insurance
  • Extended warranty insurance
  • Price protection insurance

Find out more

Apply online in 25 minutes and get a response in 60 seconds.

Not the right card for you?

NAB Qantas Rewards Signature Card

Our highest Qantas Points earn rate with platinum services and complimentary insurances View disclaimer 1

NAB Rewards Platinum Card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances View disclaimer 1

NAB Qantas Rewards Card

Earn Qantas Points on your everyday spend

We're ready to help you

Call us