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

Purchase Rate
19.99% p.a.
Cash Advance Rate
21.74% p.a.
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Interest Free
Up to 44 days
Annual Fee
$95.00
Balance Transfer Rate
0% p.a. for first 6 months
  • Earn 30,000 Bonus Points on a new NAB Rewards Classic Card*. Min $500 spend in first 60 days.
  • 0% p.a. for 6 months. 2% BT fee applies. BT reverts to Cash Advance Rate. Minimum monthly repayments required.
  • NAB may vary or end this offer at any time.
  • Get peace of mind with 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.
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Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$95.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • 0.75 NAB Rewards Points for every $1 spend on everyday purchases

Fee & Repayments

Annual Fee $95.00
Annual Fee First Year $95.00
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 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

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 12 November 2018. To be eligible for the Bonus Points offer, you must apply for a new NAB Rewards Classic Card, be approved, and spend $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. Standard Balance Transfer Disclaimer 1. After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 12 November 2018). 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 rates are subject to change and available at nab.com.au. 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. 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. 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. 4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 2227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 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 NAB account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders 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. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information Booklet and NAB Purchase Protection Insurance Policy Information Booklet which may be amended from time to time. NAB does not guarantee this insurance. 5. This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. To access the NAB Concierge Services call 1300 730 213, 24 hours a day, 7 days a week. See the (PDF, 234KB) for full details. Terms and conditions available here. 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 12 November 2018 and subject to change. Credit cards issued by National Australia Bank Limited. ©2019 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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