Not sure if a credit card is right for you? Read on to explore the ins and outs of credit cards, including balance transfers, interest-free periods and repayments.
1Interest free days on purchases
Interest free days on purchases applies if you pay your account in full, or if the statement displays an interest free days payment, that amount in full, by the due date each month.
Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information booklet (PDF, 450KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 275KB) which may be amended from time to time. NAB does not guarantee this insurance.
Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions (PDF, 292KB). These terms describe the purchases not eligible to earn points. You must have an open and active NAB Rewards credit card account to earn points.
Points are capped at $3,000 spend per statement period. Qantas Points will be allocated on a tiered basis over each statement period.
To earn and redeem Qantas Points using one of NAB’s Qantas Frequent Flyer rewards cards, you must be a member of the Qantas Frequent Flyer program and have provided your valid membership number to NAB. Points are offered in accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions (PDF, 336KB). If you are not already a Qantas Frequent Flyer member, the membership joining fee will be waived if you apply and receive one of NAB’s Qantas Frequent Flyer rewards cards and join through qantas.com.au/joinffnab. Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com.au/terms.
You will earn 1 Bonus Points for every dollar charged to your Card Account for the purchase in Australia of the following services directly from Qantas (ie. where Qantas, and not its agent, is identified as the merchant on the credit card transaction):
- Qantas flights
- Qantas Club and Qantas Frequent Flyer memberships, and
- purchases from 'Qantas Travel' customer shopfronts.
Unless otherwise notified, Bonus Points will not be earned in relation to purchases from:
- Qantas Freight
- Qantas Holidays Ltd
- Qantas Business Travel Pty Ltd
- other businesses or franchisees of Jetset Travelworld Ltd
- Qantas Staff Travel
- Jetstar Airways Pty Ltd
- other Jetstar-branded businesses, or
- for goods or services supplied by Qantas Frequent Flyer program partners.
Fees and Charges
Please refer to our credit card terms and conditions to learn more. Fees and charges are payable. Approval and credit limit are subject to NAB's credit assessment criteria. Information, including interest rates and fees are subject to change. Correct as at 24 September 2018.
Credit cards issued by National Australia Bank Limited. ©2018 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.