Credit cards

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, NAB Low Fee Platinum, NAB Qantas Rewards Premium, NAB Qantas Rewards Signature, NAB Rewards Platinum and NAB Rewards Signature cardholders should refer to the NAB Card Insurance Policy Information Booklet dated 30 June 2022 (PDF, 662KB), opens in new window and NAB Low Fee cardholders should refer to the NAB Purchase Protection Insurance Policy Information Booklet dated 30 June 2022 (PDF, 374KB), opens in new window.

Variable interest rates current as at date

Interest rates are current as at today and are subject to change.

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.

Interest free days on purchases

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.

Balance transfer 12 month offer rate

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.

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.

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.

NAB Concierge Service

This service is provided by Visa Worldwide Pty Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions (PDF, 240KB), opens in new window for full details.

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. 

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.

Qantas Rewards Signature Bonus Points Special Offer

Offer commenced 12 March 2025. The 120,000 bonus Qantas Points offer is only available to members who apply for a new NAB Qantas Rewards Signature Card.

To be eligible for the offer, you must apply for a new personal NAB Qantas Rewards Signature Card before the offer is withdrawn, be approved, and spend $5,000 on everyday purchases within 90 days of opening your account and keep your account open for 12 months.

Points will be awarded on a tiered basis - 90,000 bonus Qantas Points will be awarded when you spend $5,000 on eligible purchases in the first 90 days. Bonus Qantas Points will be credited to your points balance within three months of meeting the spend criteria, and 30,000 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 purposes. NAB may vary or end this offer at any time. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB card offer.

This bonus Qantas 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 NAB Qantas Rewards Premium Card. This advertised offer of bonus points is not applicable or valid in conjunction with any other advertised or promotional offer.

NAB Rewards Platinum Card — Earning points and Points Booster

Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions (PDF, 167KB), opens in new window available at rewards.nab.com.au, opens in new window. 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. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.

Bonus Points at eligible Grocery stores: 1 NAB Rewards Point + 0.5 additional NAB Rewards Points (Bonus Points).

Eligibility for additional points at Grocery stores is determined by a merchant’s Merchant Category Code (MCC). An eligible Grocery store is a merchant whose MCC is designated as 5411 Grocery stores. NAB is not responsible for designating MCCs and has no control over the same. You’re unable to get points if you use an intermediary platform such as PayPal or a delivery platform such as Uber Eats for these transactions.

Bonus points with Webjet: 1 NAB Rewards Point + 1 additional NAB Rewards Point (Bonus Points).

Purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au, opens in new window. Webjet Booking Terms and Conditions apply.

Points Booster is subject to the NAB Rewards Terms and Conditions, opens in new window. Only eligible transactions under those terms and conditions earn points and bonus points. Points are credited to your points balance after the eligible transaction is credited to your NAB Rewards credit card account: for standard points within 10 business days of processing and for Bonus Points within 3 business days of the standard points being processed. Details are correct as at 18 April 2024 and are subject to change by NAB.

NAB Rewards Platinum 100K Bonus Points Offer

Offer commenced 12 March 2025. To be eligible for the 100,000 bonus points offer, you must apply for a new personal NAB Rewards Platinum Card before the offer is withdrawn, be approved, and spend $1,000 on everyday purchases within 60 days of opening your account on your NAB Rewards Platinum Card. Points will be awarded on a tiered basis - 80,000 bonus points when you spend $1,000 on everyday purchases in the first 60 days (credited to your points balance within three months of meeting the spend criteria) and 20,000 bonus points after 12 months (credited to your points balance within the 13th month). NAB may vary or end this offer at any time.

Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. Points will be credited to your points balance within three 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 Rewards Bonus Points for a new personal NAB Rewards credit card in the eighteen months prior to the opening of a NAB Rewards Signature Card or NAB Rewards Platinum Card. Offers are not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB credit card offer. Gift Card values correct as at today. Points values and stock levels subject to change. Check our reward website, opens in new window.

Mobile phone insurance

Complimentary mobile phone Insurance (covering Accidental Damage and Theft to a mobile phone) is provided under a group policy issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (NAB). Cover is available to all NAB Rewards Signature Credit cardholders (Eligible Person). Eligible Persons can claim under the Group Policy as third-party beneficiaries in accordance with section 48 of the Insurance Contracts Act 1984 (Cth). 

If an Eligible Person wishes to claim, such claim will be subject to the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits as further detailed in the terms and conditions (PDF, 145KB), opens in new window for such coverage which is available at nab.com.au/personal/insurance/complimentary-card-insurances.   

To be eligible for coverage Eligible Persons must have a contract with a mobile phone provider and a monthly billing arrangement using their eligible NAB card. Any advice provided by NAB about this insurance is general advice only and is not based on any consideration of an Eligible Person’s objectives, financial situation, or needs. Eligible Persons must determine whether or not it is appropriate, in light of their own circumstances, to act on this advice. 

AIG as product issuer is not providing any financial advice about this insurance. NAB is not the product issuer, and neither NAB or its related bodies corporate guarantee any of the benefits under this insurance cover.  

Our highest NAB Rewards Points earn rate

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

Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions (PDF, 167KB), opens in new window available at rewards.nab.com.au, opens in new window. 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. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.

NAB Rewards Signature Card – Earning NAB Points and NAB Points Booster

Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions (PDF, 167KB), opens in new window available at rewards.nab.com.au, opens in new window. 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. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.

Bonus Points with Webjet:

When you spend under $15,000 on eligible purchases in a Rewards Statement period (calendar month): 1.5 NAB Rewards Points + 1.5 additional NAB Rewards Points (Bonus Points).  

When you spend over $15,000 on eligible purchases in a Rewards Statement period (calendar month): 0.5 NAB Rewards Points + 2.5 additional NAB Rewards Points (Bonus Points).

Webjet – Purchases made online with Webjet via NAB Rewards Store or on webjet.com.au, opens in new window. Webjet Booking Terms and Conditions apply.

Points Booster is subject to the NAB Rewards Terms and Conditions, opens in new window. Only eligible transactions under those terms and conditions earn points and Bonus Points. Points are credited to your points balance after the eligible transaction is credited to your NAB Rewards credit card account: for standard points within 10 business days of processing and for Bonus Points within 3 business days of the standard points being processed. Details are correct as at 12 June 2024 and are subject to change by NAB.

Monthly fee waiver

The monthly fee will be charged on the last day of your statement period each month. If you spend $5,000 or more in a statement period, your monthly fee for that statement period will be reversed. Spend includes all purchases and cash advances less any refunds or cash advance reversals. Some pending transactions may take up to 10 business days to process to your account and only transactions that are processed in that statement period will count towards the spend requirement. 

Delayed flight lounge pass

Complimentary Delayed Flight Lounge Passes are provided by Collinson Insurance Services Limited (which operates the LoungeKey™ Pass program), and are available to all NAB Rewards Signature Credit cardholders (Eligible Persons).  The Delayed Flight Lounge Pass gives an Eligible Person plus up to 4 travel companions complimentary access to select airport lounges at select airport locations. Alternatively, if a lounge is unavailable, Eligible Persons can use their Delayed Flight Lounge Pass to offset a dollar amount off the total bill at select dining options. Availability of airport lounges and dining options vary based on location and affiliated LoungeKey™ Partners at the time.  Not all airports offer Delayed Flight Lounge Pass and use of Delayed Flight Lounge Pass may be restricted to certain terminals. Access to and use of the Delayed Flight Lounge Pass is subject to the Terms of Use (PDF, 83KB), opens in new window which are subject to change. You can search for locations and the conditions of use, opens in new window applicable to each airport lounge/dining venue.

Delayed Flight Lounge Passes are not available where flights are cancelled or rescheduled to 24 hours after the flight's scheduled departure time (which will be handled by the airline directly via their own compensation process). Delayed Flight Lounge Passes are provided on a non-transferable, non-refundable and non-changeable basis. NAB is not responsible for the issue of Delayed Flight Lounge Passes, and excludes all liability for any loss or damage in connection with the issue, non-issue or use of a Delayed Flight Lounge Pass to the extent permitted by law.

NAB Low Rate Card balance transfer 24 month offer

Offer commenced 11 November 2024. To be eligible for the 0% p.a. on balance transfers for 24 months offer, you must be an approved applicant for a new personal NAB Low Rate Card before the offer is withdrawn. NAB may vary this offer at any time. The special balance transfer interest rate of 0% p.a. will apply for a 24-month statement period from when the account is opened. After the 24-month period, any unpaid balance transfers will then attract the card’s variable cash advance rate (currently 21.74% p.a. as at today and is subject to change). 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 and available on our website. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other offer. NAB may end or vary this offer at any time.

NAB Low Rate Card cashback offer

Offer commenced 16 April 2024. To be eligible for the offer, you must apply for a new personal NAB Low Rate Card before the offer is withdrawn, be approved, spend $1500 or more on everyday purchases within 90 days of account being open.

Cashback will be credited to your account within 120 days from account opening if the spend criteria is met. Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.

The cashback will be referenced as a promotional rebate on your credit card statement.

Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes which are treated as a cash advance. NAB may vary or end this offer at any time. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB card offer.

NAB Low Fee Card cashback offer

Offer commenced 13 February 2024. To be eligible for the offer, you must apply for a new personal NAB Low Fee Card before the offer is withdrawn, be approved, spend $1500 or more on everyday purchases within 90 days of account being open.

Cashback will be credited to your account within 120 days from account opening if the spend criteria is met. Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.

The cashback will be referenced as a promotional rebate on your credit card statement.

Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes which are treated as a cash advance. NAB may vary or end this offer at any time. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB card offer.