Important Upcoming personal card changes
From 23 June 2025, we’re increasing fees on our NAB Personal credit cards (excluding NAB StraightUp Card). The late payment fee will increase from $15 to $20. The cash advance fee will increase from 3% or $3 (whichever is greater) to 3.5% or $3.50 (whichever is greater).
Learn more about how to avoid these fees.
Upcoming Complimentary Insurance changes
Effective 1 July 2025 – For some NAB cards, excesses for certain covers will increase, and benefit limits will reduce under International Travel Insurance.
Effective 15 May 2026 – For some NAB cards, International Travel, Domestic Travel and Rental Vehicle Excess Insurances will be removed. For some other NAB cards, the cover period for International Travel Insurance will be reduced.
Please read the summary of changes for further details and how they will affect your insurance cover.
Offer
New customers
Up to 120,000 bonus Qantas Points
Offer
Existing customers
Up to 130,000 bonus Qantas Points, plus ongoing reduced annual card fee
Go to Products, then ‘Credit cards’.
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 |
$420 p.a. |
| Minimum credit limit | $15,000 |
| 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. |
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 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 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.
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.
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Capped monthly points earn compared to our NAB Rewards cards.
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Higher interest rates compared to our NAB Low Rate Card
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Higher annual fee compared to our other cards.
Enjoy five complimentary insurances
Travel insurances
Purchase insurances
Please see the Important Information section about changes to these complimentary insurances effective 1 November 2023.
Eligibility Check you're eligible to apply online
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You're 18 years or older.
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You receive a regular income.
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You’re an Australian resident for tax purposes.
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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.
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.
Balance transfer calculator
See if you could save money by transferring your credit card balance.
Help me choose the right credit product
Choose the right credit product with our easy-to-use tool.
Compare credit cards
Use our comparison tool to compare our credit card fees and features.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
How do credit cards work?
A guide to help you decide if a credit card is right for you and how to apply for one if it is.
Make the most of your credit card’s features
Benefit from your credit card – your card’s features might be sitting there unused.
How to avoid paying credit card interest
Learn how interest on your card works, and ways to avoid paying it.
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 card for you? Here are a few more options to consider.
NAB Qantas Rewards Premium Credit Card
Apply today for a rewards card that offers platinum services and and an opportunity to earn bonus Qantas Points.
NAB Rewards Platinum Credit Card
Redeem NAB Rewards Points for a wide range in our NAB Rewards Store. Plus, enjoy complimentary insurances and Personal Concierge.
NAB Rewards Signature Credit Card
Apply today to take advantage of earning bonus points and enjoying other great rewards.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
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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. Credit card 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