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.

Offer
Redeem up to 110,000 bonus Flybuys points through automatic redemption

  • Collect 80,000 bonus Flybuys points (converted from 80,000 NAB Rewards Points) when you spend $1,000 on everyday purchases in the first 60 days.

  • Plus, receive an additional 30,000 bonus Flybuys points (converted from 30,000 NAB Rewards Points) when you keep your card open for over 12 months.

  • Enjoy a $100 reduction in annual card fee for the life of the card (currently $195 to $95).

Offer available to new NAB Rewards Platinum cardholders only. Reasonable notice will be provided before offer is withdrawn. Eligibility criteria and terms and conditions apply.

How to collect Flybuys points

To get your NAB Rewards Points automatically redeemed for Flybuys Points, simply provide your Flybuys member number to NAB to link your accounts. Each month the NAB Rewards Points you’ve earned will be transferred to Flybuys Points. Flybuys Points converted from bonus NAB Rewards Points will be credited within three months of meeting your spend criteria, and within the 13th month that your card is open.

1 NAB Rewards Point is worth 1 Flybuys point.

Offer eligibility criteria

  • be a member of the Flybuys program.

  • be approved for a new NAB Rewards Platinum credit card.

  • provide your Flybuys membership number to NAB to enrol into auto redemption. 

How to earn NAB Rewards Points

Earn NAB Rewards Points fast

Receive 1 NAB Rewards Point for every $1 spent on everyday purchases with no limit to the amount of points you can earn each month.

Earn 1.5 NAB Rewards Points per $1 on Groceries

Earn an additional 0.5 NAB Rewards Points in eligible Grocery stores.

Earn 2 NAB Rewards Points per $1 with Webjet ​

Earn 1 additional NAB Rewards Point with purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au, opens in new window. Webjet Booking Terms and Conditions apply.

What could 110,000 Flybuys points get you?

You can redeem 110,000 Flybuys points for up to $550 Flybuys Dollars.

Check out the Flybuys website, opens in new window to see all the ways you can redeem your Flybuys points. There are more than 1,000 options to choose from.

Features and benefits

Take advantage of the NAB Rewards Platinum card to enjoy a range of benefits.

Visa Premium Access

Discover hundreds of deals, discounts and privileges with Visa Premium Access, opens in new window.

Add another cardholder

Add an additional cardholder at no extra cost.

Shop the NAB Rewards Store

Redeem your points for a wide range of electronics, homewares, jewellery and more in the NAB Rewards Store, opens in new window.

Concierge service

Assistance 24 hours a day, 7 days a week for travel and lifestyle services with NAB Concierge Service.

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 rate
20.99% p.a.
Standard balance transfer (BT) rate for 12 months
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.

0% p.a.
Interest free days on purchases Up to 44
Reduced annual card fee
 $95 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. 		21.74% p.a.
Learn how to avoid fees

Applying is easy

  • You need to be at least 18 years old to apply.

  • Complete your application in 15 minutes and get a response in 60 seconds.

  • You may be asked to provide payslips or bank statements.

  • Receive your NAB Rewards Platinum Card in five days.
Apply now

Terms and Conditions

Credit Card Terms and conditions and Target Market Determination available here. 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 and subject to change. Credit cards issued by National Australia Bank Limited. 

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.