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NAB Rewards Classic (Earn 30,000 Bonus Points
on a new NAB Rewards Classic Card* when you spend $1,500 on everyday purchases within 60 days of account opening.)

NAB Rewards Classic (Earn 30,000 Bonus Points
on a new NAB Rewards Classic Card* when you spend $1,500 on everyday purchases within 60 days of account opening.)

Purchase Rate
19.99 %
p.a.




Cash Advance Rate 21.74% p.a.
Interest Free Up to 44 days
Annual Fee$95
Balance Transfer Rate 0% p.a.for first 6 months

  • Earn 30,000 Bonus Points on a new NAB Rewards Classic Card* when you spend $1,500 on everyday purchases within 60 days of account opening.
  • Special Offer: 0% p.a. on balance transfers for 6 months on a new NAB Rewards Classic Card. No balance transfer fees. Balance transfer reverts to cash advance rate. Minimum monthly repayments are required.
  • Standard Balance Transfer Rate: 0% p.a. for 6 months. One off 2% BT fee applies. Not available in conjunction with the Balance Transfer Special offer.
  • Complimentary Purchase Protection Insurance.
  • Additional cardholder at no extra cost.
  • Up to 44 days interest free on purchases do not apply while you have a balance transfer.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • 0.75 NAB Rewards Points for every $1 spend on everyday purchases
Rewards Points per Dollar 0.75 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio 0.75
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

Annual Fee $95 Minimum Repayment Greater of 2.50% or $10
Annual Fee First Year $95 Interest Charged From Purchase Date
Rewards Joining Fee $0 Late Payment Fee $15
Supplementary Card Fee $0    
Duplicate Statement Fee $7 Overseas ATM Balance Fee $0
Transaction Verification Fee $5 Overseas ATM Withdrawal Fee $4
Over Limit Fee $0 Overseas Emergency Card Replacement Fee $100

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Important information Bonus Points Offer *Offer commences 2 October 2017. To be eligible for the Bonus Points offer, you must apply for a new NAB Rewards Classic Card, be approved, and spend $1,500 on everyday purchases within 60 days of opening your account. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. NAB may vary or end this 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 Rewards Bonus Points for a new personal NAB Rewards credit card or NAB Home loan in the twelve months prior to the opening of a NAB Rewards Classic Card account. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB card offer. Important information if you apply for a NAB Home Loan If you qualify for the NAB Rewards Credit Card offer of 30,000 NAB Rewards bonus points for the NAB Rewards Classic Card, then your NAB Rewards credit card bonus points will be awarded within 3 months of meeting the eligibility criteria. If you also apply for a NAB Home Loan between 1 April and 31 December 2017 and meet the eligibility criteria for the 350,000 NAB Rewards Points Home loan offer, you will receive 350,000 NAB Rewards Points less your NAB Rewards credit card bonus points, already awarded. Balance Transfer Special Offer Offer commences 2 October 2017. For approved applicants who apply for a new NAB Rewards Classic Card by 12th November 2017. The 0% balance transfer interest rate will apply for a 6 month statement period from account opening. After the 6 months period, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74% p.a. as at 2 October 2017). Interest rates are subject to change and available at www.nab.com.au. Special promotion balance transfer must be applied for at the point of full card application. Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer or under Employees Choice. Special promotion balance transfer must be applied for at the point of full card application. Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer or under Employees Choice. Standard Balance Transfer Rate 1. After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a as at 2 October 2017). Interest rates are subject to change and available at nab.com.au. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days on purchases do not apply while you have a balance transfer. 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. Not available in conjunction with the Balance Transfer Special offer. 2. If you pay your account in full by the due date each month. You won’t receive interest free days while you have a balance transfer. 3. Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions. 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. Credit Card Terms and Conditions available here. Fees and charges are payable. Approval and credit limit are subject to NAB's credit assessment criteria. Information, including interest rates and fees are subject to change. Correct as at 1 June 2017. ©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.


* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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