Changes to NAB Rewards and NAB Qantas Credit Card Account Reward Terms and Conditions

The NAB Rewards Terms & Conditions have been amended to clarify that government related payments do not earn points. This amendment will apply from 1 October 2025.

Clause 6 (c) is replaced with the following:

(c) for a Personal Rewards Card Account, government related payments (includes transactions with Australian and overseas government entities, semi-government entities, or related agencies - for example, but not limited to, Australia Post, council rates, motor registries, fines, and court costs). Classification as a government-related transaction is based on merchant or financial institution data, so some businesses may be treated as government-related even if they are not.

You can read the existing NAB Rewards Terms and Conditions (PDF, 740KB) for more information.

Updated NAB Qantas Credit Card Account Reward Terms and Conditions

The NAB Qantas Credit Card Account Reward Terms & Conditions have been amended to clarify that government related payments do not earn points and requirement to provide your Qantas Frequent Flyer Program membership number before you can earn Qantas Points. These amendments will apply from 1 October 2025.

Clause 3.2 (c) is replaced with the following:

c. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can start participating in the NAB Qantas Rewards program. You will only earn Qantas Points and have the points credited to your Qantas Frequent Flyer Membership Account after you advise us of your correct Qantas Frequent Flyer Program membership number, for eligible transactions made after this date. If you are not already a member of the Qantas Frequent Flyer Program, you must separately apply for membership of that program. A joining fee may apply. Establishing the NAB Qantas Card Account or issuing a NAB Qantas Card does not result in you obtaining membership to the Qantas Frequent Flyer Program.

Clause 7.1 (c) is replaced with the following:

c. for a Personal Rewards Card Account, government related payments (includes transactions with Australian and overseas government entities, semi-government entities, or related agencies - for example, but not limited to, Australia Post, council rates, motor registries, fines, and court costs). Classification as a government-related transaction is based on merchant or financial institution data, so some businesses may be treated as government-related even if they are not.

You can read the existing NAB Qantas Credit Card Account Reward Terms and Conditions (PDF, 136KB) for more information.