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NAB Rewards Signature Credit Card
Earn up to 1.5 NAB Rewards Points per dollar on everyday purchases and enjoy no international transaction fees with the NAB Rewards Signature card.
- Signup bonus
- Up to 180,000 NAB Rewards Points, receive 130,000 bonus Rewards Points when you spend $3,000 within the first 60 days from account opening and an additional 50,000 bonus points when you keep your card open for over 12 months
- Points Earned
- Earn 1.5 NAB Rewards Points earned per $1 spent on everyday purchases up to $15,000 per statement period, then 0.5 NAB Rewards Points for every $1 spent, uncapped thereafter
- Annual fee
- $24 monthly fee, can be reversed when you spend $5,000 or more in a statement period.
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Why we like the NAB Rewards Signature Card
The NAB Rewards Signature credit card lets you earn NAB Rewards Points on your everyday purchases, with double points on Webjet purchases. These points can be redeemed for rewards such as gift cards, or transferred to frequent flyer and loyalty programs including Velocity, KrisFlyer, Cathay, Accor Live Limitless and Flybuys.
There’s also no international transaction fees, and you can get the monthly fee waived when you spend at least $5,000 during the month. Plus, there’s a great sign-up bonus available to new cardholders.
As you’d expect with a premium credit card, this card provides complimentary insurances including international travel insurance, interstate flight inconvenience insurance and domestic rental vehicle excess insurance. You can also get complimentary airport lounge passes whenever your flight is delayed by at least an hour.
Key Information & How to Apply
Key facts about this card
- Card type
- Visa
- Signup bonus
- Up to 180,000 NAB Rewards Points, receive 130,000 bonus Rewards Points when you spend $3,000 within the first 60 days from account opening and an additional 50,000 bonus points when you keep your card open for over 12 months
- Annual fee
- $24 monthly fee, can be reversed when you spend $5,000 or more in a statement period.
- Interest rate
- 20.99
- Interest-free days
- Up to 44 days
- Minimum monthly repayment
- 2% of outstanding balance or $25, whichever is higher
- Minimum credit limit
- $15000
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- No history of bad debt or payment default
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Contents
Sign-up bonus
Apply for a NAB Rewards Signature credit card to earn up to 180,000 bonus NAB Rewards Points! That’s equal to 90,000 Virgin Australia Velocity points, 60,000 Singapore Airlines KrisFlyer miles, 60,000 Cathay Asia Miles, $900 worth of Flybuys Dollars or $880 worth of gift cards.
To give you an idea of the value of those points, it would cost you 62,000 Velocity points (plus taxes and carrier charges) for two return Virgin Australia Business Class flights from Melbourne to Sydney.
The bonus points are allocated over two years. You’ll receive 130,000 bonus points when you spend $3,000 on eligible purchases within 60 days of opening your account. You’ll get an additional 50,000 bonus points when renewing your card for a second year.
To learn more about which loyalty programs you can convert NAB Rewards Points into, see our Credit Card Points Transfer Assistant.
This offer does not have a fixed expiry date but may be changed or withdrawn at any time.
The bonus points offer is not available if you have participated in a NAB Rewards bonus points offer for a new personal NAB Rewards credit card or NAB home loan in the past 18 months.
No international transaction fees
Since 12 June 2024, this card has no international transaction fees. Enjoy fee-free foreign currency transactions when travelling overseas or shopping online!
Delayed flight lounge pass
As a NAB Rewards Signature cardholder, you can get complimentary access to selected LoungeKey airport lounges for yourself and up to four eligible travel companions if your flight is delayed by an hour or more. If no lounges are available, you can also use your Delayed Flight Lounge Pass to offset the bill at selected airport dining outlets.
Complimentary travel & other insurances
The NAB Rewards Signature credit card comes with complimentary international travel insurance. This is underwritten by Allianz and is available when you charge at least $500 worth of prepaid travel costs to your card. Other eligibility criteria apply, including an age limit of 80, which you can review on the NAB Card Insurance eligibility online portal.
Other types of insurance offered with this card include:
- Interstate flight inconvenience insurance
- Rental vehicle excess insurance (within Australia)
- Transit accident insurance
- Mobile phone insurance
- Purchase protection insurance
- Extended warranty insurance
Before using this insurance, we’d encourage you to read the PDS here.
Earning points
With the NAB Rewards Signature card, you’ll earn 1.5 NAB Rewards Points per dollar on the first $15,000 spent on eligible transactions (excluding government payments and gambling transactions) each month. That’s effectively 0.75 Velocity points or 0.5 KrisFlyer miles per $1 spent. Additional monthly spend earns at a rate of 0.5 NAB Rewards Points per $1.
Plus, earn double points – that’s 3 NAB Rewards Points per dollar – with Webjet.
Beware that NAB Rewards Points expire after 3 years. You can redeem them or transfer them out to a frequent flyer program such as Virgin Australia Velocity before the points expire, so that you don’t lose them.
Earning points for ATO & government payments
This card does not give points for payments made directly to the Australian Tax Office (ATO) or other government bodies.
However, you can use a payment service such as pay.com.au to pay tax and other bills with this card and still earn NAB Rewards Points at the full rate!
If you’d like a credit card that earns points on ATO payments, you could also consider a NAB business credit card.
Using NAB Rewards Points
NAB Rewards Points can be converted to points or miles with six other loyalty programs, with a minimum transfer of 3,000 NAB Rewards Points at a time. Here’s the full list of transfer partners:
| Transfer partners | 1 NAB Rewards Point equals… |
|---|---|
| Accor ALL | 0.17 ALL points |
| Air New Zealand Airpoints | 0.005 Airpoints Dollars |
| Cathay (Asia Miles) | 0.33 miles |
| Flybuys | 1 point |
| Singapore Airlines KrisFlyer | 0.33 miles |
| Virgin Australia Velocity | 0.5 points |
See our Overview of NAB Rewards Transfer Partners for more information.
Alternatively, you could redeem your points through the NAB Rewards program for rewards including:
- Gift cards
- Cashback
- Retail products
- Donations
- DragonPass airport lounge passes
- Payment towards Webjet travel bookings
Note that according to the NAB Rewards terms & conditions, NAB can change the number of points required to redeem a reward “at any time and without prior notice”.
NAB Rewards Points cannot be converted into Qantas Frequent Flyer points. If you’d like to earn Qantas points, the NAB Qantas Rewards Signature card may be more suitable. Alternatively, you can view our guide to the best Qantas credit card offers, or browse other credit cards in Australia.
Summary
Pros
- No international transaction fees
- Delayed Flight Lounge Pass benefit
- Earn NAB Rewards Points, which you can transfer to 6 frequent flyer & loyalty programs
- Earn bonus points with Webjet
- Complimentary travel insurance
- Compatible with Apple Pay & Google Pay
- Get the monthly fee waived whenever you spend $5,000 during the month
Cons
- Higher annual fee than the NAB Rewards Platinum card
- The full points earn rate is capped at $15,000 of spend per month
- NAB Rewards Points expire
- High interest rate (this could be a problem if you don’t think you’ll be able to repay your balance in full each month)
- Signup bonus
- Up to 180,000 NAB Rewards Points, receive 130,000 bonus Rewards Points when you spend $3,000 within the first 60 days from account opening and an additional 50,000 bonus points when you keep your card open for over 12 months
- Points Earned
- Earn 1.5 NAB Rewards Points earned per $1 spent on everyday purchases up to $15,000 per statement period, then 0.5 NAB Rewards Points for every $1 spent, uncapped thereafter
- Annual fee
- $24 monthly fee, can be reversed when you spend $5,000 or more in a statement period.
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Frequently Asked Questions (FAQs)
To apply for a NAB Qantas Rewards Signature credit card, you would need to be an Australian or New Zealand citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency Visa, aged 18 or over, and receive a regular income. Other criteria may apply.
The minimum credit limit is $15,000.
This card provides a Delayed Flight Lounge Pass benefit that you can use if your flight is delayed by an hour or more. You can also redeem NAB Rewards Points for DragonPass airport lounge passes.
Yes, but you will not earn any points if you use a personal NAB credit card to pay the ATO or other government bodies directly. If you would like to earn points when paying tax using your credit card, you could use a bill payment service such as pay.com.au or consider a NAB business credit card.
Yes, receive 24/7 access to the NAB Concierge Service for assistance with travel and lifestyle services.
Yes, NAB Rewards Points expire three years after they are earned if unredeemed.
You can transfer NAB Rewards Points to Flybuys, Velocity Frequent Flyer, KrisFlyer, Cathay, Accor Live Limitless and Airpoints. A minimum amount of 3,000 NAB Rewards Points applies per transfer.
Yes, this card supports Apple Pay and Google Pay.
Yes, you can add one additional cardholder at no extra cost. The supplementary cardholder must be at least 16 years old.