Offer
70,000 bonus Qantas Points

  • When you spend $2,000 on everyday purchases within 60 days of account opening.

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

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Rates and fees

Variable purchase rate
19.99% p.a.
Standard balance transfer (BT) rate for 12 months
3% BT fee applies. Unpaid BT reverts to variable cash advance rate
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.

Not the right card for you? We can help you choose a different one. 

Eligibility Check you're eligible to apply online

  1. You're 18 years or older.

  2. You’re applying on your own.

  3. You receive a regular income.

  4. You’re an Australian resident for tax purposes.

  5. You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.

Read important information for visa categories that are not acceptable.

Have these items ready

Be prepared and have the following documents and information ready before you start your application.

  • Maximum credit limit you would like to apply for.

  • Employment details for the past three years.

  • Your financial information – income, assets, debts and expenses.

  • Your Qantas Frequent Flyer membership number if you’re an existing member (located on a recent statement from Qantas or on your Qantas card).

If you’re an existing NAB customer, you can:

  • save time and use your NAB Internet Banking login to pre-fill your personal and NAB financial details
  • upload recent financial documents (such as payslips and bank statements) in the form. Have these ready to speed up your application.

If you’re a new NAB applicant, or don't have any active NAB accounts, you’ll need to provide at least one of the following forms of ID:

  • Australian driver’s licence, Medicare card, Australian passport or international passport.

How to apply

Apply online today and start using your card in a few easy steps.

Step 1. Applying online is easy

Allow up to 15 minutes to complete the application form and get a response in 60 seconds.

Step 2. We’ll verify your application

If you’re conditionally approved, we may ask you for additional information or documentation, such as payslips or bank statements.

Step 3. Receive and activate your card

If approved, your physical card will arrive within five working days. Activate and set up your new card using the NAB app or NAB Internet Banking.

Ready to apply?

If you've checked you're eligible to apply and have all your documents ready, let's get started.

Terms and Conditions

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.

Credit cards issued by National Australia Bank Limited.