Credit card offers | Workplace Banking - NAB

NAB Rewards cards offers

Suitable for earning an unlimited amount of NAB Rewards Points each month to use on flights, products and more. Simply choose the offers that are right for you and apply now.

NAB Qantas Rewards Premium Card

Earn Qantas Points and enjoy platinum services and complimentary insurances . See ‘Upcoming Complimentary Insurance changes’ for changes effective 15 May 2026.

Minimum credit limit

$6,000

Annual card fee

$ 295 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Complimentary insurances

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

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 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.

  • Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies
Considerations

  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card

  • Lower points earn per dollar compared to our NAB Qantas Signature Card.
Earning points

  • Earn 1 Qantas point per $1.50 up to $3,000 on everyday purchases on your Visa Card

  • Earn 1 Qantas point per $3 from $3,001 to $6,000 on everyday purchases on your Visa Card

Offer

Up to 100,000 bonus Qantas Points, $150 cashback, and $100 saving on your annual card fee for the first year

  • 60,000 bonus points and $150 cashback when you apply for a NAB Qantas Rewards Premium Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening and 40,000 bonus points when you keep your card for over 12 months.

  • Enjoy a $100 reduction in annual card fee (from $295 to $195) for the first year.

Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 24 months.

Minimum spend of $3,000 in first 90 days required to earn Bonus Points.

Get an instant response
Apply now

NAB Qantas Rewards Signature Card

Earn Qantas Points and enjoy platinum services and complimentary insurances

Minimum credit limit

$15,000

Annual card fee

$ 420 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Complimentary insurances

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

  • Earn 1 bonus point for every dollar on eligible Qantas services.

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 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.

  • Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies
Considerations

  • Capped monthly points earn compared to our NAB Rewards cards.

  • Higher interest rates compared to our NAB Low Rate Card

  • Higher annual fee compared to some of our other cards.
Earning points

  • Earn 1 Qantas point per $1 up to $5,000 on everyday purchases on your Visa Card

  • Earn 0.5 Qantas point per $1 from $5,001 to $20,000 on everyday purchases on your Visa Card

Offer

Up to 130,000 bonus Qantas Points, $250 cashback, and $100 saving on your annual card fee for the first year

  • 100,000 bonus points and $250 cashback when you spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus points when you keep your card for over 12 months.

  • Enjoy a $100 reduction in annual card fee (from $420 to $320) for the first year.

Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 24 months.

Minimum spend of $5,000 in first 90 days required to earn Bonus Points.

Get an instant response
Apply now

NAB Rewards Platinum Card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances. See ‘Upcoming Complimentary Insurance changes’ for changes effective 15 May 2026.

Minimum credit limit

$6,000

Annual card fee

$ 195 p.a.

Variable purchase rate

20.99 % p.a.

Benefits

  • Complimentary insurances 

  • Earn up to 2 NAB Rewards Points per $1

  • Uncapped points earn

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 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.

  • Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions

  • Add an additional cardholder at no extra cost 

  • Fraud and theft protection with world class security technologies

  • NAB Concierge Service

  • Global assistance for card emergencies
Considerations

  • Higher interest rates compared to our NAB Low Rate Card

  • Lower point earn rate compared to our NAB Rewards Signature Card.

  • Higher annual fee compared to some of our other cards.
Earning points

  • Earn 1 NAB Rewards Point for every $1 spent on everyday purchases

  • Earn 1.5 NAB Rewards Points for every $1 on purchases made at eligible Grocery stores

  • Earn 2 NAB Rewards Points for every $1 spent with Webjet

Offer

 Up to 100,000 bonus NAB Rewards Points and $100 saving on your annual card fee for the first year

  • 80,000 bonus points when you apply for a NAB Rewards Platinum Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening and 20,000 bonus points when you keep your card for over 12 months. That’s enough for $450 in gift cards.

  • Enjoy a reduced annual card fee (from $195 to $95) for the first year.

Bonus points are not available to customers who currently hold, or have held, any personal NAB Rewards Credit Card in the last 24 months.

Minimum spend of $3,000 in first 90 days required to earn Bonus Points.

Get an instant response
Apply now

NAB Rewards Signature Card

Our highest NAB Rewards Points earn rate with premium services and complimentary insurances

Minimum credit limit

$15,000

Monthly card fee

$ 35 p.m.

Variable purchase rate

20.99 % p.a.

Key benefits of this card

  • A $35 monthly card fee, reversed if you spend $5,000 or more in a statement period

  • Fee-free international transactions

  • Complimentary delayed flight lounge pass

  • Uncapped points earn

  • Complimentary mobile phone insurance

  • Shop at the NAB Rewards Store
Benefits

  • Earn up to 3 NAB Rewards Points per $1

  • Complimentary insurances

  • Add an additional cardholder at no extra cost 

  • Up to 44 interest free days on purchases

  • 0% p.a. for 12 months standard balance transfer (BT) rate. 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.

  • Fraud and theft protection with world class security technologies

  • Global assistance for card emergencies

  • NAB Concierge Service

  • Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions
Considerations

  • Higher interest rates compared to our NAB Low Rate Card

  • Higher annualised monthly fee compared to some of our other cards
Earning points

  • Earn 1.5 NAB Rewards Points for every $1 spend on everyday purchases up to $15,000 spend in a Rewards Statement period (calendar month), then 0.5 NAB Rewards Points per $1 spend, uncapped.

  • Earn 3 NAB Rewards Points per $1 spend with Webjet, regardless of total spend in a Rewards Statement period (calendar month).
Offer

Up to 110,000 bonus NAB Rewards Points

  • 80,000 bonus points when you apply for a NAB Rewards Signature Card, are approved and spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus points when you keep your card for over 12 months. That’s enough for $500 in gift cards.

Bonus points are not available to customers who currently hold, or have held, any personal NAB Rewards Credit Card in the last 24 months.

Bonus points are credited to your points balance within three months of meeting the spend criteria.

If you’re already a NAB customer, you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

Get an instant response
Apply now

Important Upcoming Complimentary Insurance changes

Effective 15 May 2026 – There will be insurance changes including the removal of International Travel, Domestic Travel and Rental Vehicle Excess Insurances for some NAB cards. For some other NAB cards, the cover period for International Travel Insurance will be reduced.

Please read summary of changes for further details and how it will affect your cover.

NAB credit card benefits and features

Digital wallet pay

Pay with the smartphones and wearables you already own and use everyday with our digital payment options.

Fraud protection

Fraud protection and online security so you can enjoy peace of mind with all your purchases.

24/7 Emergency assistance

If your card is lost or stolen, you can block it via the NAB app or call us any time.

Visa Entertainment

Special offers on shows, events, experiences and movies from Visa Entertainment.

NAB credit card eligibility

To apply for a NAB credit card, you must be:

  • 18 years or older

  • Receiving a regular income

  • an Australian resident for tax purposes

  • an Australian or New Zealand Citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency visa.

The following visa categories are not acceptable:

  • Visitor visa (exception, a Special Category visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.

Terms and Conditions

Terms and conditions apply to all NAB products and are available at nab.com.au. Fees and charges are payable. Approval and credit limit are subject to NAB’s credit assessment criteria. Information, including interest rates and annual card fees are subject to change. Correct as at 27 May 2025.