What is “My Offers”
1. “My Offers” is NAB’s card-linked offer program under which we (through working with our loyalty services partner, Mastercard) provide you with personalised offers such as cashback offers based on your transaction history (among other things). We may also offer you non-personalised offers. Each “My Offers” offer is subject to these terms and conditions. If you do not agree to these terms and conditions, you can opt out of “My Offers” by:
- turning off “My Offers” personalised cashback offers via the NAB app (once the function is available); or
- by messaging a banker via the NAB app or by calling NAB at any time – this will result you in being unsubscribed from all direct marketing from NAB (including “My Offers”).
Enrolment into “My Offers”
2. You will be Enrolled into “My Offers” automatically, and remain Enrolled, if you:
a. are an Australian resident living in Australia;
b. are at least 18 years old;
c. have an open and valid Eligible NAB Card and:
i. if the Eligible NAB Card is a NAB personal credit card:
• the NAB personal credit card is not in default, arrears, overlimit or suspected fraud; and
• you are the primary cardholder (but your card number must be different to any additional credit cardholder’s card number);
ii. if the Eligible NAB Card is a NAB personal Visa debit card (excludes NAB Flexi Card):
• the Linked Account is not overdrawn or with suspected fraud; and
• you are the account holder of the Linked Account or an additional Visa debit cardholder;
iii. if the Eligible NAB Card is a digital card for your NAB Now Pay Later account:
• the NAB Now Pay Later account is not in default, arrears, overlimit or suspected fraud;
d. have completed at least one transaction in the previous month on any of your Eligible NAB Card;
e. do not have any activity indicated on your Eligible NAB Card or Linked Account which we reasonably believe to be suspicious activity;
f. are not in dispute with us;
g. are not in the process of:
i. cancelling your Eligible NAB Card or Linked Account; or
ii. being removed or terminated as a customer by us in accordance with the applicable terms and conditions;
h. do not receive income support payments from Centrelink/government, have not made an application for relief based on financial hardship or otherwise it reasonably appears to us that you may be in financial difficulty; and
i. have not opted out of “My Offers” offers or otherwise opted out of receiving direct marketing offers from us in general.
Receiving “My Offers” offers
3. You will be eligible to receive “My Offers” offers if you are Enrolled into “My Offers” under Clause 2.
4. “My Offers” offers are personal to you and cannot be transferred, exchanged or redeemed for cash or other credits.
5. There is no guarantee that you will receive a minimum number of or any “My Offers” offers, even if you are Enrolled into “My Offers” under clause 2.
6. We reserve the right to vary or end a “My Offers” offer prior to its end date. If the change is unfavourable, we will try to publish details before the change takes effect, if we are reasonably able to do so.
Redeeming “My Offers” offers
7. Your “My Offers” offers will be redeemed if:
a. you have received a “My Offers” offer from us through the NAB app (or other electronic channels);
b. where applicable, you have activated the “My Offers” offer;
c. a Qualifying Transaction has been made and all other conditions attaching to the “My Offers” offer have been met; and
d. you are (and continue to be) Enrolled in “My Offers” under clause 2.
8. “Qualifying Transaction” means a domestic or local transaction (made in Australian dollars) that you (or, in the case of NAB personal credit cards, an additional cardholder) make using an Eligible NAB Card to purchase goods or services and otherwise meets the terms of a “My Offers” offer. Excludes:
a. overseas transactions;
b. transactions made using NAB Rewards Points;
c. transactions NAB reasonably decides are wholly or partly for gambling or gaming purchases; or
d. transactions made using another third-party establishment or payment processor to which your Eligible NAB Card is connected, including (but is not limited to) PayPal, AfterPay, Stripe or Shopify.
9. Once you have become eligible to redeem your “My Offers” offer:
a. if the Qualifying Transaction was made using your NAB personal credit card:
i. we will credit that credit card account; and
ii. the credit will appear on the credit card statement as a separate line item with the words ‘NAB CREDIT’;
b. if the Qualifying Transaction was made using your NAB personal Visa debit card:
i. we will credit the Linked Account; and
ii. the credit will appear on the Linked Account statement as a separate line item with the words ‘NAB CREDIT’; and
c. if the Qualifying Transaction was made using the digital card for your NAB Now Pay Later account:
i. we will credit your NAB Now Pay Later account with a transaction narrative that includes the words ‘NAB CREDIT’; and
ii. the credit will be then swept to the transaction account linked to your NAB Now Pay Later account and appear on that transaction account statement as a separate line item with the words ‘NAB Now Pay Later Sweep’.
We will normally credit the relevant account within 14 business days after the relevant Qualifying Transaction has been completed (although sometimes it may take longer). You must remain Enrolled in “My Offers” to receive your credits. You will become ineligible to redeem your “My Offers” offer and not receive your credit (even if you have made a Qualifying Transaction) if you cancel or replace your Eligible NAB Card or close the Linked Account (as applicable) or if you opt out of “My Offers” offers or all direct marketing communications from us at any time prior to receiving your credits. All “My Offers” offers are limited to one cashback per customer and per offer during the offer period.
10. If there is a conflict between these terms and conditions and the terms for a “My Offers” offer, the “My Offers” offer terms (i.e. the individual offer terms from a merchant) will prevail to the extent of the inconsistency.
11. We may reverse a “My Offers” credit if:
a. the relevant Qualifying Transaction is cancelled or reversed (e.g. the goods the subject of the Qualifying Transaction are returned); or
b. you become involved in a dispute with the merchant that supplied the goods or services which are the subject of the Qualifying Transaction; or
c. the credit related to conduct NAB reasonably deems to have arisen out of fraud, wilful misconduct or gaming or tampering behaviour.
12. “My Offers” credits are personal to you and cannot be transferred, exchanged or redeemed for cash or other credits.
13. “My Offers” credits will not contribute to any minimum monthly repayment amount for a credit card account or any repayment for a NAB Now Pay Later account (as applicable).
General
14. We work with Mastercard to provide you with “My Offers” offers. We will share with and receive personal information from Mastercard to provide you with “My Offers” offers. The information that we will send to Mastercard is provided on an anonymous basis. For further details of how we collect, use, hold and disclose personal information, please refer to our privacy policy at National Australia Bank privacy policy.
15. We may terminate “My Offers” at any time acting reasonably. Where possible, we will give you at least 90 days’ prior notice of the termination. Circumstances where prior notice may not be possible include where we are affected by events outside our control (for example, Mastercard terminates their arrangement with us or can no longer perform their obligations). If we give you notice after termination, your account will be credited in relation to Qualifying Transactions that occurred prior to the date of termination but only if we received notice of the transaction within 90 days after the date of termination.
16. We may vary these terms and conditions from time to time. Where we reasonably consider the change to be unfavourable to you or material in nature, we may notify you with at least 30 days prior notice. Where we reasonably consider the change to be favourable to you or non-material in nature (e.g. change in branding/name of “My Offers”), we may notify you as soon as reasonably possible but no later than the day of the change,
Where a change is to manage a material and immediate risk, we may give you no notice or a shorter notice period than the period described above or elsewhere in these terms and conditions.
We may communicate with you and give you notices by electronic communications (which may include email, SMS, through NAB Internet Banking or the NAB app or in another way permitted by law) or by publishing via NAB Internet Banking, the NAB app, the NAB website or in another way permitted by law.
If you do not agree to a change, you can opt out of “My Offers”.
17. There may be instances which are outside our reasonable control where you are unable to redeem a “My Offers” offer, e.g. a third party merchant withdraws or varies the terms of a “My Offers” offer, a third party merchant is delayed in processing your purchase, a third party merchant uses a name or merchant category code which we cannot reasonably identify them as the relevant qualifying merchant under an offer. Except to the extent provided by law, we accept no liability if you are unable to redeem an offer or suffer a loss as a result of circumstances beyond our reasonable control.
18. We will act reasonably and fairly towards you, taking into account your and our respective interests. That includes whenever we are:
a. considering any request you make;
b. deciding whether to exercise a right, discretion or remedy;
c. setting any conditions for doing any of those things; or
d. making changes to these terms and conditions.
Examples of how we will take reasonable steps to ensure you are treated fairly include giving you reasonable notice of changes.
It’s worth noting that even if we don’t make a decision or do something straight away, we may still do so later on. This includes where we delay or defer doing so, or we temporarily waive a requirement.
19. Definitions
The following terms have the corresponding meanings:
“Eligible NAB Card” means a NAB personal Visa debit card, NAB personal credit card or a digital card for a NAB Now Pay Later account. Each of the following cards is not an “Eligible NAB Card”:
• NAB Flexi Card
• A debit card or Visa debit card linked/associated with a NAB Business bank account
• NAB Business credit cards
• NAB Travel money cards
“Enrolled” means enrolled into “My Offers” under clause 2.
“Linked Account” means the account linked to your Eligible NAB Card.
“Mastercard” means Mastercard Asia/Pacific Pte Ltd.
“Qualifying Transaction” is defined in clause 7.
“We/our/us” means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686).
“Your/you” means the customer.
Consider the NAB Internet Banking terms and conditions (available at nab.com.au) which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these products. 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.
Important information
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