NAB credit cards | Terms, conditions and other information - NAB

Important Upcoming Credit Card Changes​

Interest, fees, charges and earn rates (if applicable) are changing from 1 October 2026.​

Learn more about card changes

Insurance booklet update

To reflect name changes to some of our products, a Notice of Change will be added to the front of our Policy Information Booklet. These name changes will be effective 1 October 2026 and include the following products:

  • NAB Rewards Signature Card will change to NAB Rewards Travel Card​
  • NAB Qantas Plus Card will be changed to NAB Qantas Rewards Premium Card​
  • NAB Rewards Platinum Card will be changed to NAB Rewards Card​

Card account terms and conditions

NAB credit card Terms and Conditions - applies to all NAB credit cards, except the NAB StraightUp Card.

NAB StraightUp Card Terms and Conditions - applies to the NAB StraightUp Card.

NAB Electronic Banking (card based) terms and conditions - applies to all NAB credit cards.

Rewards program terms and conditions

NAB Rewards Terms and Conditions (PDF, 199KB) - applies to all NAB Rewards credit card accounts.

Velocity NAB credit card account: Velocity Points Terms and Conditions (PDF, 91KB) - applies to all Velocity NAB credit card accounts.

NAB Qantas Credit Card Account Reward Terms and Conditions - applies to all NAB Qantas credit card accounts.

Flybuys Rewards Points Terms and Conditions (PDF, 66KB) - applies to all NAB flybuys Rewards card accounts.

Cash back terms and condition

NAB cash back Terms and Conditions (PDF, 97KB) - applies to NAB Visa Mini accounts.

Product disclosure statements

NAB Credit Card Cover product disclosure statement and policy document (PDF, 471KB) - applies to eligible NAB cardholders who hold NAB Credit Card Cover.

Complimentary card insurance

NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 713KB) - applies to all credit cards except the NAB Low Rate Card and NAB StraightUp Card.

Mobile Phone Protection terms and conditions

NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions (PDF, 145KB) - applies to all NAB Rewards Signature, NAB Rewards Platinum, NAB Velocity Rewards Premium, NAB flybuys Rewards, NAB Low Rate Platinum, NAB Low Fee Platinum, NAB Low Rate and NAB Low Fee Credit Cardholders.

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