NAB
NAB

NAB Rewards Signature (Earn 120,000 Bonus Points on a new NAB Rewards Signature Card when you keep your card open for over 12 months*. Min $3,000 spend in first 60 days.)

Purchase Rate
19.99% p.a.
Cash Advance Rate
21.74% p.a.
Go to site
Interest Free
Up to 44 days
Annual Fee
$295.00
Balance Transfer Rate
0% p.a. for first 6 months
  • Earn 120,000 Bonus Points on a new NAB Rewards Signature Card when you keep your card open for over 12 months*. Min $3,000 spend in first 60 days.
  • Standard Balance Transfer Rate: 0% p.a. for 6 months. 2% fee applies. BT reverts to Cash Advance Rate. Minimum monthly repayments required
  • Apply by NAB may vary or end this offer at any time
  • Access to six complimentary insurances when you make an eligible purchase.

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$295.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program

Fee & Repayments

Annual Fee $295.00
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 1.25
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio 1
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

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 $100.00
Terms & Conditions
Important Information *Offer commences 2 March 2020. To be eligible for the 130,000 bonus Qantas Points offer, you must apply for a new personal NAB Qantas Rewards Signature Card before the offer is withdrawn, be approved, and spend $3,000 on everyday purchases within 60 days of opening your account. Qantas Points will be awarded on a tiered basis - 100,000 bonus Qantas 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 Qantas 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 at any time. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB card offer. This bonus Qantas Points offer is not available to existing customers who have received or are entitled to receive NAB Bonus Qantas Points for a new personal NAB Qantas Rewards credit card in the twelve months prior to the opening of a NAB Qantas Rewards Signature Card, NAB Qantas Rewards Premium Card or NAB Qantas Rewards Card account. A return Qantas Economy Classic Flight Reward from Sydney to London is 110,400 Qantas Points plus $657.74 in taxes, fees and carrier charges, Sydney to Los Angeles is 83,800 Qantas Points plus $392.04 in taxes, fees and carrier charges, Sydney to New York (via LAX) is 110,400 Qantas Points plus $490.34 in taxes, fees and carrier charges, Sydney to Honolulu is 63,000 Qantas Points plus $392.04 in taxes, fees and carrier charges and Sydney to Bangkok return for 50,400 points plus $280 taxes, fees and carrier charges. Classic Flight Reward seats are subject to capacity controls, availability is limited, some flights may be on partner airlines and some flights may not have any Classic Flight Rewards available. Qantas Points plus taxes, fees and carrier charges are accurate as at 4 February 2020, but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. For more information, visit qantas.com/classicflightrewards. ~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 1. Interest-free days on purchases applies if you pay your account in full by the due date each month. You won’t receive interest free days on purchases while you have a balance transfer. However, from 30 March 2020 you may still receive the benefit of interest-free days on purchases if you have an outstanding balance transfer, if you pay the ‘interest-free days payment’ specified on your monthly statement in full by the due date each month. For more information visit nab.com.au/btchange. 2. Points are capped at $20,000 spend per statement period. To earn and redeem Qantas Points using your NAB Qantas Rewards Signature Card, you must be a member of the Qantas Frequent Flyer program and have provided your valid membership number to NAB. Points are offered in accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions. If you are not already a Qantas Frequent Flyer member, the joining fee to be waived if you apply and receive a NAB Qantas Rewards Signature Card and join through qantas.com.au/joinffnab. Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com.au/terms. You will earn 1 Bonus Point for every dollar charged to your Card Account for the purchase in Australia of the following services directly from Qantas (ie. where Qantas, and not its agent, is identified as the merchant on the credit card transaction): •Qantas flights •Qantas Club and Qantas Frequent Flyer memberships, and •purchases from 'Qantas Travel' customer shop fronts. Unless otherwise notified, Bonus Points will not be earned in relation to purchases from: •Qantas Freight •Qantas Holidays Ltd •Qantas Business Travel Pty Ltd •other businesses or franchisees of Jetset Travelworld Ltd •Qantas Staff Travel •Jetstar Airways Pty Ltd •other Jetstar-branded businesses, or •for goods or services supplied by Qantas Frequent Flyer program partners. 3. Standard Balance Transfer. After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74% p.a. as at 1 October 2020). Interest rates are subject to change and available at www.nab.com.au. 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. 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. 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 the NAB Rewards Platinum Card account. Credit card terms and conditions. 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. Credit cards issued by National Australia Bank Limited. Correct as at 12 November 2018 and subject to change. Credit cards issued by National Australia Bank Limited. ©2021 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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