Offer
120,000 bonus Qantas Points

  • 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points when you keep your card for over 12 months.

  • Enjoy a reduced annual card fee (from $395 to $295) 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

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

Standard purchase rate

19.99 % p.a.

Balance transfer rate

0 % p.a.

Standard balance transfer (BT) rate for 12 months. 3% BT fee applies. Unpaid BT reverts to cash advance rate.

Interest free on purchases

Up to 44 days

 

Annual card fee

$ 395

(reduced to $295 for the first year)

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.

Minimum credit limit

$15,000

Rates and fees

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

Standard purchase rate
19.99% p.a.
Standard balance transfer (BT) rate for 12 months
3% BT fee applies. Unpaid BT reverts to cash advance rate
0% p.a.
Interest free days on purchases Up to 44

Annual card fee
(reduced to $295 for the first year)

$395 p.a.
Minimum credit limit $15,000
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.

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 $20,000 per statement period.

1 Qantas Point

Earn 1 Qantas Point per $1 up to $5,000 on everyday purchases using your Visa card.

0.5 Qantas Points

Earn 0.5 Qantas Points per $1 from $5,001 to $20,000 on everyday purchases using 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 store.

Bonus points

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

Benefits of this card

Enjoy complimentary services, discounts and other great benefits with the NAB Qantas Rewards Signature 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 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge Service.

Emergency assistance

We’re here for you 24 hours a day, 7 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. Higher annual fee compared to our other cards.

Enjoy six complimentary insurances
 

Travel insurances

  • International travel insurance

  • Transit accident insurance

  • Interstate flight inconvenience insurance

  • Rental vehicle excess in Australia insurance

     

Purchase insurances

  • Purchase protection insurance

  • Extended warranty insurance

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 8,000 products from over 500 leading Australian and international brands, the Qantas Shopping Rewards Store is a one stop shop for rewarding yourself using your Qantas Points.

Other ways we can help

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

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.

Correct as at 11 April 2022.

Credit cards issued by National Australia Bank Limited.

Forms and links
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, 356KB), opens in new window

Indicator rates for other personal lending products