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.
Overview
- Earn Qantas Frequent Flyer Points on your everyday spend.
- Complimentary purchase protection insurance.
- Up to 44 Interest free days on purchases.
- Minimum Credit limit $500.
- Add an additional cardholder at no extra cost.
Benefits of Visa
- Special offers on shows, events, experiences and movies from Visa Entertainment, opens in new window.
- Make contactless purchases, opens in new window under $100.
- Shop with confidence online with Visa Secure.
- Emergency travel assistance from Visa Global Customer Assistance Services,, opens in new window 24 hours, seven days.
Rates and fees
Other fees may apply.
Annual card fee and interest rates are subject to change. Correct as at 13 March 2020. View full details of fees and charges.
Rewards
Earn Qantas Frequent Flyer Points on everyday purchases and redeem them for rewards in the Qantas Frequent Flyer Program, including reward flights or a variety of products and vouchers from the Qantas Frequent Flyer Store.
0.5 Qantas Point per $1 on everyday purchases on your Visa card
Points are capped at $3,000 spend per statement.
Find out more about NAB Qantas Cards.
Insurance
Complimentary purchase protection insurance
For loss or theft of, or accidental damage to new personal items purchased with your card anywhere in the world, for 90 days from when you receive your item.
Other NAB credit cards
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 Qantas Rewards Signature Card
Apply today to take advantage of earning bonus Qantas Points and enjoying other great rewards.
Credit cards
Compare between our credit cards to find the right one for you.
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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