Standard rates & fees

  • 19.99 %p.a.

    Standard purchase rate

  • 0.00 %p.a.

    for 6 months standard balance transfer (BT) rate. 2% BT fee applies. Unpaid BT reverts to cash advance rate.1

  • 21.74 %p.a.

    Cash advance rate

  • $395

    Annual card fee

  • Up to 44

    Interest free days on purchases2

  • $15000

    Minimum credit limit

Find out more about rates and fees.

Special offer


  • 90,000 BONUS POINTS when you spend $3,000 on everyday purchases within the first 60 days of account opening and 20,000 BONUS POINTS when you keep your card for over 12 months.

    View disclaimer *
  • Plus, enjoy a reduced annual card fee (from $395 to $295) for the first year. NAB may vary or end this offer at any time. See important information below.

Make the most of everyday purchases by earning Qantas Points and credit card rewards

1 Qantas Point per $1 up to $5,000

on everyday purchases using your Visa Card4

0.5 Qantas Points per $1 from $5,001 to $20,000

on everyday purchases using your Visa Card4

Join for free

Free Qantas Frequent Flyer membership (a saving of $99.50)4

Redeem rewards

Including award flights, products and vouchers from the Qantas store4

More Points

Earn 1 Bonus Point for every dollar on eligible Qantas services4


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.5

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.

Things to consider when choosing this card

  • Capped monthly points earn compared to our NAB Rewards cards.
  • Higher annual fee compared to some of our other cards.
  • Higher interest rates compared to our NAB Low Rate Card.

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

Complimentary insurances

Complimentary insurances1

  • International travel insurance
  • Transit accident insurance
  • Interstate flight inconvenience insurance
  • Rental vehicle excess in Australia insurance
  • Purchase protection insurance
  • Extended warranty insurance

Find out more

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

Not the right card for you?

NAB Qantas Rewards Premium Card

Earn Qantas Points and enjoy platinum services and complimentary insurances View disclaimer 3

NAB Rewards Signature Credit Card

Our highest NAB Rewards points earn rate to redeem on gift cards, travel, tech and more. View disclaimer 3

NAB Rewards Platinum Credit Card

Earn NAB Rewards Points to redeem on gift cards, travel, tech and more, plus enjoy complimentary insurances. View disclaimer 3

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