NAB Qantas Rewards Signature (Up to 120,000 bonus Qantas Points* when you spend $3k within the 1st 60 days and keep your card open for over 12 months)

Purchase Rate
19.99% p.a.
Cash Advance Rate
21.74% p.a.
Interest Free
Up to 44 days
Annual Fee
Balance Transfer Rate
0% p.a. for first 12 months
  • Earn up to 120,000 bonus Qantas Points (90,000 when $3k spend met within 60 days, 30,000 in the 13th month)
  • Reduced annual fee of $295 for the first year, reverts to $395.~
  • Standard Balance Transfer Rate: 0% p.a. for 12 months. 3% BT Fee applies. BT reverts to Cash Advance Rate. Minimum monthly repayments required.
  • NAB may vary or end this offer at any time.
  • Access to six complimentary insurances when you make an eligible purchase.
  • Additional cardholder at no extra cost.
  • Up to 44 days interest free on purchases.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Rewards Program
  • 1 Qantas Point per $1 spent up to $5,000 and then 0.5 Qantas Points per $1 spent between $5,001 and $20,000.

Fee & Repayments

Annual Fee $395.00
Annual Fee First Year $295.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $2.50
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Rewards Program

Rewards Points per Dollar 1
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio 1
Spend at Loyalty Partner for $100 Gift Card*
Lifetime of Points
Rewards Program Partners Qantas frequent Flyer
Rewards Bonus Points Partners
Domestic Airlines Qantas Frequent Flyer
International Airlines

Other Charges

Duplicate Statement Fee $7.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $5.00
Overseas ATM Withdrawal Fee $4.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
*Offer commenced 1 April 2022. To be eligible for the 120,000 bonus Points offer, you must apply for a new personal NAB Qantas Rewards Signature Card before the offer is withdrawn, be approved, and spend $3,000 on everyday purchases within 60 days of opening your account and keep your account open for 12 months. Points will be awarded on a tiered basis - 90,000 bonus points when you spend $3,000 on everyday purchases in the first 60 days (credited to your points balance within 3 months of meeting the spend criteria) and 30,000 bonus points after 12 months (credited to your points balance within the 13th month). Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. NAB may vary or end this offer. This Offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards bonus Points for a new personal NAB Qantas Rewards card in the twelve months prior to the opening of the NAB Qantas Rewards card account. ~ The reduced annual card fee of $295 will be charged at the time of card opening and applies for the first 12 months. You will be charged the standard annual card fee (currently $395) in the 13th month of your card account being open. 1. Interest free days on purchases If you pay your account in full, or if your statement displays an interest free days payment, that amount in full, by the due date each month. 2. Points are earned and redeemed in accordance with the NAB Qantas Rewards Signature Cards. This advertised offer of bonus points is not applicable or valid in conjuction with any other advertised or promotional offer. Terms and Conditions available at These terms describe the purchases not eligible to earn points. You must have an open and active NAB Qantas Rewards credit card account to earn points. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. 3. Standard Balance Transfer Rate After 12 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74% p.a. as at 5 February 2022). The one-off balance transfer fee of 3% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest rates are subject to change. While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. 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. In addition to this acquisition rate, which is available only at card application, other balance transfer offers may be available on your card from time to time. You can find out more information about the ongoing balance transfer rates of your card. 4. Included insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover. If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the insurance information booklet. For cardholders of Premium, Platinum and Signature tier cards (and certain other cards that are no longer for sale, as listed in the policy information booklet), there are six included insurance covers: international travel insurance, interstate flight inconvenience insurance, transit accident insurance, rental vehicle excess in Australia insurance, purchase protection insurance and extended warranty insurance. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 31 March 2021 which may be amended from time to time. For insurable events that occurred prior to 31 March 2021, the eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet dated 1 September 2019. 5. This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions (PDF, 239KB) for full details. Offer is not available when closing/transferring from another NAB credit card account. Credit card terms and conditions. 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 1 April 2022 and subject to change. Credit cards issued by National Australia Bank Limited. ©2022 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).

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