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NAB Qantas Rewards Signature (Earn 130,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card. Min $3,000 spend in first 60 days*. Plus, enjoy a reduced annual fee for the first year~)

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
$395.00
Balance Transfer Rate
0% p.a. for first 6 months
  • Earn 130,000 bonus Qantas Points on a new NAB Qantas Rewards Signature Card when you keep your card open for over 12 months.* Minimum spend $3,000 on everyday purchases within 60 days of account opening.
  • Reduced annual fee of $295 for the first year, reverts to $395.~
  • Standard Balance Transfer Rate: 0% p.a. for 6 months. 2% BT 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 seven complimentary insurances including Overseas Travel Insurance when you make an eligible purchase.
  • Additional cardholder at no extra cost.
  • Up to 44 days interest free on purchases.
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Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$395.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

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 -
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 0.5
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 Qantas frequent Flyer
Rewards Bonus Points Partners
Domestic Airlines Qantas Frequent Flyer
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 -
Terms & Conditions
* Offer commences 2 March 2020. To be eligible for the 130,000 Bonus points offer, you must apply for a new personal NAB Qantas Rewards Signature Card before the offer is withdrawn, be approved, and spend $3,000 on everyday purchases within 60 days of opening your account. Points will be awarded on a tiered basis - 100,000 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 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 points 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 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 reduced annual card fee of $295 will be charged at time of card opening, and applies for the first 12 months. You will be charged the standard $395 annual card fee in the 13th month of your card account. NAB may vary or end this offer at any time. 1. Interest free days on purchases 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. 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. Join and redeem Qantas Points Points are capped at $20,000 spend per statement period. Points will be allocated on a tiered basis over each 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 (PDF,255KB). If you are not already a Qantas Frequent Flyer member, NAB has arranged for 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. Earn 1 Additional Qantas Point per whole AU$1 on Qantas Spend. ‘Qantas Spend’ means Eligible Transactions made with the following merchants: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers; purchases from qantasstore.com.au, qantasshop.com.au and qantasepiqure.com.au. 3. Standard Balance Transfer Rate After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 2 March 2020). 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. 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. 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. 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. NAB Concierge Service This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. To access the NAB Concierge service, call 1300 489 410, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions (PDF, 239KB) for full details. Credit Card Terms and conditions available. 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 2 March 2020 and subject to change. Credit cards issued by National Australia Bank Limited. ©2020 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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