20.99 % p.a.
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.
How bonus Qantas Points are awarded
You’ll receive 90,000 bonus Qantas Points when you spend $5,000 on everyday purchases in the first 90 days, plus, 30,000 bonus Qantas Points when you keep your card open for over 12 months.
Offer may end at any time. Eligibility criteria and terms and conditions apply.
Features and benefits
Take advantage of the bonus Qantas Points offer to enjoy a range of great benefits.
Your fastest way to earn Qantas Points with NAB
1 Qantas Point per $1 up to $5,000 and 0.5 Qantas Points per $1 from $5,001 to $20,000.
Complimentary insurances
Access to complimentary insurances including international travel insurance.
24/7 NAB concierge service
Assistance 24 hours a day, 7 days a week for travel and lifestyle services with NAB Service.
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 Credit Card.
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Higher annual fee compared to our other cards.
Standard rates and fees
NAB Qantas Rewards Signature Card rates, fees and limits.
Variable purchase rate
Balance transfer rate
0 % p.a.
Standard balance transfer (BT) rate for 12 months 3% BT fee applies. Unpaid BT reverts to the variable cash advance rate.
We can’t process balance transfers from certain issuers – see our indicative list.
Variable cash advance rate
21.74 % p.a.
| Annual card fee | $420 p.a. |
|---|---|
| Interest-free days on purchases | Up to 44 days on business purchases |
| Minimum credit limit | $15,000 |
Applying is easy
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You need to be at least 18 years old to apply
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Complete your application in 15 minutes and get a response in 60 seconds
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You may be asked to provide payslips or bank statements
Terms and Conditions
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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.