Offer
New customers
70,000 bonus Qantas Points
Offer
Existing customers
Up to 70,000 bonus Qantas Points, plus ongoing reduced annual card fee
Offer
Existing customers
Up to 70,000 bonus Qantas Points, plus ongoing reduced annual card fee
Go to Products, then ‘Credit cards’.
Rates and fees
Learn more about our standard credit card interest rates, annual card fees and credit limits that apply to this card.
Variable purchase rateView Disclaimer 5 |
20.99% p.a. |
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Standard balance transfer (BT) rate for 12 months 3% BT fee applies. Unpaid BT reverts to variable cash advance rateView Disclaimer 6 We can’t process balance transfers from certain issuers – see our indicative list.View Disclaimer 7 |
0% p.a. |
Interest free days on purchasesView Disclaimer 8 | Up to 44 |
Annual card fee (reduced to $195 for the first year)View Disclaimer 2 |
$295 p.a. |
Minimum credit limit | $6,000 |
Variable cash advance rate This is the interest rate charged on amounts you withdraw as cash, gambling transactions (including lottery ticket purchases), or transfer from your credit card to another account.View Disclaimer 9, View Disclaimer 5 |
21.74% p.a. |
How to earn Qantas Points
Make the most of your everyday purchases to earn Qantas Points and redeem them for rewards. Qantas Points are capped at $6,000 per statement period.
1 Qantas Point per $1.50
For the first $3000 on everyday purchases using your Visa card.View Disclaimer 10
1 Qantas Point per $3
For the next $3000 ($3001 - $6000) of everyday purchases on your Visa card.View Disclaimer 10
Join for free
Free Qantas Frequent Flyer membership (a saving of $99.50).View Disclaimer 10
Redeem rewards
You can redeem your rewards for award flights, products, vouchers and more from the Qantas Marketplace.View Disclaimer 10
Bonus points
Earn 1 bonus point for every dollar on eligible Qantas services.View Disclaimer 10
Benefits of this Qantas Rewards card
Enjoy complimentary services, discounts and other great benefits with the NAB Qantas Rewards Premium Card.
Complimentary insurances
This covers domestic, interstate and international travel to keep you safe at your destination.View Disclaimer 1
Visa Premium Access
Discover hundreds of deals, discounts and privileges with Visa Premium Access, opens in new window.
Fraud protection
NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.
Concierge service
Your own 24 hours a day, 7 days a week personal assistant for travel and lifestyle services with NAB Concierge Service.View Disclaimer 12
Emergency assistance
We’re here for you 24 hours a day, seven days a week over the phone if your credit card is lost or stolen.
Things to consider
We want to help you choose the right card, so here are a few things to consider about this card before you apply.
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Capped monthly points earn compared to our NAB Rewards cards.
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Higher interest rates compared to our NAB Low Rate Card
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Lower points earn per dollar compared to our NAB Qantas Signature Card.
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Higher annual fee compared to our other cards.
Enjoy five complimentary insurancesView Disclaimer 1
Travel insurances
Purchase insurances
Please see the Important Information section about changes to these complimentary insurances effective 1 November 2023.
Eligibility Check you're eligible to apply online
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You're 18 years or older.
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You receive a regular income.
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You’re an Australian resident for tax purposes.
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You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.
Read important information for visa categories that are not acceptable.View Disclaimer 13
Earn Qantas Points when you shop
You can earn Qantas Points by shopping at over 400 brands online through Qantas Shopping. Link your NAB credit card with Card Offers to unlock exclusive offers for bonus points in store and online.View Disclaimer 14
Shop with Qantas Points
Looking for another way to use your Qantas Points? With more than 20,000 products from over 900 of the world’s leading brands, Qantas Marketplace is a one stop shop for rewarding yourself using your Qantas Points.View Disclaimer 10
Make the most of travel
Make the most of your Qantas Frequent Flyer Points by taking a holiday. There’s a lot that goes into making a holiday happen, so check out our travel tips and tools for inspiration and guidance.
Credit card tools and calculators
Need help finding the right card or want to see how much you could save with our credit cards? We have some handy tools to help.
Balance transfer calculator
See if you could save money by transferring your credit card balance.
Help me choose the right credit product
Choose the right credit product with our easy-to-use tool.
Compare credit cards
Use our comparison tool to compare our credit card fees and features.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
How do credit cards work?
A guide to help you decide if a credit card is right for you and how to apply for one if it is.
Make the most of your credit card’s features
Benefit from your credit card – your card’s features might be sitting there unused.
How to avoid paying credit card interest
Learn how interest on your card works, and ways to avoid paying it.
Help and support
We're here to help. Use our guides and support services to better manage your money.
Other ways we can help
Use our help guides, FAQs and other support services to help you manage your banking more easily.
Other rewards cards to consider
Still trying to decide on the right rewards card for you? Here are a few more options to consider.
NAB Qantas Rewards Signature Card
Apply today to take advantage of earning bonus Qantas Points and enjoying other great rewards.
NAB Rewards Platinum Credit Card
Redeem NAB Rewards Points for a wide range in our NAB Rewards Store. Plus, enjoy complimentary insurances and Personal Concierge.
NAB Rewards Signature Credit Card
Apply today to take advantage of earning bonus points and enjoying other great rewards.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Terms and Conditions
- Disclaimer 1
Insurances
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), 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 persons to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries 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. This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.
If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the insurance information booklet. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 1 November 2023 (PDF, 489KB), opens in new window which may be amended from time to time. For insurable events that occurred prior to 1 November 2023, please refer to the NAB Card Insurance Policy Information Booklet dated 30 June 2022 (PDF, 662KB), opens in new window.
- Disclaimer 2
Qantas Rewards Premium Bonus Points Offer
Offer commenced 4 October 2023. To be eligible for the 70,000 bonus points offer, you must apply for a new NAB Qantas Rewards Premium Card, before the offer is withdrawn, be approved, and spend $2,000 on everyday purchases within 60 days of opening your account and keep your account open for 12 months. NAB may vary or end this offer at any time.
Points will be awarded on a tiered basis - 60,000 bonus Qantas Points will be awarded when you spend $2,000 on eligible purchases in the first 60 days. Bonus Qantas Points will be credited to your points balance within three months of meeting the spend criteria, and 10,000 bonus Qantas Points after 12 months, credited to your points balance within the 13th month.
Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB offer. Points will be credited to your points balance within 3 months of meeting the spend criteria.
This bonus points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards Bonus Points for a new personal NAB Qantas Rewards credit card in the 18 months prior to the opening of a NAB Qantas Rewards Signature Card or a NAB Qantas Rewards Premium Card (increased from 12 months prior to the opening for accounts opened before 30 November 2022). This advertised offer of bonus points is not applicable or valid in conjunction with any other advertised or promotional offer.
A reduced annual card fee of $195 will be charged when the card is opened and applies for the first 12 months. You will be charged the standard $295 annual card fee in the 13th month of your card account.
- Disclaimer 3
Existing customer offer – Qantas Rewards Premium bonus points offer
Offer varied on 21 March 2024. To be eligible for the existing customer 70,000 bonus Qantas Points offer, you must apply for a new NAB Qantas Rewards Premium Card, before the offer is withdrawn, be approved, and spend $2,000 on everyday purchases within 60 days of opening your account and keep your card open for over 12 months. NAB may vary or end this offer at any time. Bonus Qantas Points will be credited to your points balance within three months of meeting the spend criteria.
Points will be awarded on a tiered basis - 60,000 bonus Qantas Points will be awarded when you spend $2,000 on eligible purchases in the first 60 days. Bonus Qantas Points will be credited to your points balance within three months of meeting the spend criteria, and 10,000 bonus Qantas Points after 12 months, credited to your points balance within the 13th month.
Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. This bonus points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards Bonus Points for a new personal NAB Qantas Rewards credit card in the eighteen months prior to the opening of a NAB Qantas Rewards Signature Card or a NAB Qantas Rewards Premium Card. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB offer.
The $100 Reduction in Annual Fee offer commenced from 15 September 2023 and is available until varied or withdrawn by NAB at any time. To be eligible for the offer, you must apply for a new personal NAB Qantas Premium Card before the offer is withdrawn. The $100 reduced annual fee will continue while the card is open. Offer not available when closing or transferring from another NAB credit card account. Terms, conditions and other fees and charges apply.
- Disclaimer 4
Existing customer offers
Existing customers can access customer offers by applying for a new NAB Credit Card through the NAB app or Internet Banking whilst the offers are open. The offers are not available when closing or transferring from another NAB branded credit card account or in conjunction with other NAB credit card offers. The offers may change or end at any time.
- Disclaimer 5
Variable interest rates current as at date
Interest rates are current as at today and are subject to change.
- Disclaimer 6
After 12 months, any unpaid balance transfers will attract the variable cash advance rate (currently 21.74% p.a. as at today). The one-off balance transfer fee of 3% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest rates are subject to change. While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time. In addition to this acquisition rate, which is available only at card application, other balance transfer offers may be available on your card from time to time. You can find out more information about the ongoing balance transfer rates of your card.
- Disclaimer 7
Balance transfer indicative list
You’ll need to make sure your BPAY® reference number for your non-NAB card is the same as your non-NAB card number as we use this number to process your balance transfer request. If these numbers are not the same, we won’t be able to process your balance transfer. Please check the numbers match before applying for a new card with a balance transfer or requesting balance transfer on an existing card. Your BPAY reference number can be found on your credit card statement.
We are aware that some card numbers and BPAY reference numbers don’t match for cards from the following issuers:
- Bendigo Bank
- ING
- Latitude Finance
- Great Southern Bank
- Heritage Bank
- Adelaide Bank
- credit unions
- AMEX cards
Note: this is an indicative list.
- Disclaimer 8
You will be eligible for interest-free days on purchases by paying your account in full or, if your statement indicates an interest-free days payment, paying that amount in full by the monthly due date. Explore more details at nab.com.au/btchange.
- Disclaimer 9
Cash advances also include other transactions we consider to be the equivalent of withdrawing cash from your account. These include most gambling transactions (such as sports betting, casino games, lottery tickets, online gambling), the purchase of travellers cheques, wire transfers or other similar substitutes for cash (such as crypto-currency).
If you don’t want to allow gambling transactions (including cash advances and cash transfers) on your card, you can disable them in the NAB app.
- Disclaimer 10
NAB Qantas Rewards cards - Join and redeem Qantas Points
Points will be allocated on a tiered basis over each statement period. To earn and redeem Qantas Points using your NAB Qantas Rewards Premium Card or NAB Qantas Rewards Signature Card, 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, 255KB), opens in new window. If you are not already a Qantas Frequent Flyer member, NAB has arranged for the joining fee to be waived if you apply and receive a NAB Qantas Rewards Premium Card or NAB Qantas Rewards Signature Card and join through qantas.com.au/joinffnab., opens in new window 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., opens in new window
Earn 1 Additional Qantas Point per whole AU$1 on Qantas Spend. ‘Qantas Spend’ means Eligible Transactions made with the following merchants: flights booked directly through qantas.com, opens in new window and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers; purchases from marketplace.qantas.com, opens in new window and wine.qantas.com, opens in new window.
Transactions that don’t earn points include: Cash advances, bank charges, balance transfers, buying foreign exchange or travellers cheques, ATO payments, BPAY® payments, transactions where a cardholder uses a card to access linked transaction accounts, and transactions for gambling or gaming purposes.
Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. Visit Classic Flight Rewards, opens in new window for more information.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.
- Disclaimer 11
Additional cardholder
Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.
- Disclaimer 12
This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. To access the NAB Concierge Service call 1300 730 213, opens in new window, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions for full details.
- Disclaimer 13
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.
- Disclaimer 14
You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. Individual retailer terms and conditions apply, please check the individual retailer's pages for full terms and conditions. For Qantas Shopping Online Mall and Card Offers refer to the terms and conditions, opens in new window.
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Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
Fees and charges
Read our credit card terms and conditions. Credit card fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today.
Credit cards issued by National Australia Bank Limited.
NAB Credit Card Terms and Conditions