Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
NAB Qantas Rewards Signature Card
Earn 1 Qantas Point per dollar spent on everyday purchases, a great sign-up bonus, and enjoy a range of complimentary insurances with the NAB Qantas Rewards Signature credit card.
- Free Qantas Frequent Flyer membership (save $99.50)
- Access 5 complimentary insurances when you make an eligible purchase
- Apple Pay and Google Pay support
Why we like the NAB Qantas Rewards Signature Card
The NAB Qantas Rewards Signature credit card is a solid earner for people accumulating points with Qantas Frequent Flyer. You’ll earn 1 Qantas Point per $1 spent on everyday purchases, up to $5,000/month, and a bonus Qantas Point for every dollar spent on eligible Qantas services.
Although this card doesn’t come with extra perks like lounge passes to justify the $420 annual fee, it does have a great sign-up bonus points offer with up to 130,000 bonus Qantas Points available.
As you’d expect from a Visa Signature credit card, cardholders receive complimentary domestic and international travel insurance – as well as various other insurances.
Key Information & How to Apply
Key facts about this cards
- Signup bonus
- Up to 130,000 Qantas Points, receive 90,000 Qantas Points when you spend $5,000 within the first 90 days from approval and an additional 40,000 Qantas Points when you keep your card open for over 12 months
- Annual fee
- $420 p.a.
- Interest rate
- 20.99% p.a
- Interest-free days
- Up to 44 days
- Minimum monthly repayment
- 2% of outstanding balance or $25, whichever is higher
- Minimum credit limit
- $15,000
- International transaction fee
- 3.5%
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- Have a good credit history and no payment defaults
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Contents
Sign-up bonus
Apply for a NAB Qantas Rewards Signature Visa card to earn up to 130,000 bonus Qantas Points!¹
This offer is comprised of 90,000 bonus Qantas Points when you spend at least $5,000 on eligible purchases within 90 days of card approval, and a further 40,000 bonus Qantas Points when you keep your card open for over 12 months.
This offer does not have a fixed expiry date but may be changed or withdrawn at any time. This offer is not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 24 months or in conjunction with any other offer.
What you could do with Qantas Points
See our guide to redeeming Qantas Points effectively for more information on how you can use your Qantas Points, including for rewards like flights and upgrades.
As an example, it would cost 130,100 Qantas Points + $640 in taxes & carrier charges for a one-way Qantas Business Class ticket from Sydney to Los Angeles.
Complimentary travel & other insurances
The NAB Qantas Rewards Signature card comes with complimentary international travel insurance. This insurance is underwritten by Allianz and is available when you charge at least $500 worth of prepaid travel costs to your card. Other eligibility criteria apply, including an age limit of 80, which you can review on the NAB Card Insurance eligibility online portal.
Other types of insurance offered with this card include:
- Interstate flight inconvenience insurance
- Rental vehicle excess insurance (within Australia)
- Transit accident insurance
- Purchase protection insurance
- Extended warranty insurance
Before using this insurance, we’d encourage you to read the PDS here.
Earning points
With the NAB Qantas Rewards Signature credit card, you’ll earn 1 Qantas Point per $1 spent on eligible transactions (excluding government payments), up to the first $5,000 spent per month.
On everyday spend between $5,001-$20,000, you’ll earn 0.5 Qantas Points per $1 spent. However, no Qantas Points are earned on amounts spent over $20,000 during any monthly statement period.
You’ll earn an additional 1 Qantas Point per dollar spent with Qantas, including on flights, Qantas Club membership, Qantas Rewards Store purchases and Qantas Wine purchases.
Points earned from this card will be deposited into your Qantas Frequent Flyer account after the end of each month. Qantas Points expire if there is no activity in your Qantas Frequent Flyer account for 18 months, but if you’re earning points each month this will keep your account active.
Of course, the Qantas Points you earn from this card also count towards Qantas Points Club membership!
Earning points for ATO & government payments
This card does not give points for payments made directly to the Australian Tax Office (ATO) or other government bodies.
However, you can use a payment service such as pay.com.au to pay tax and other bills with this card and still earn Qantas Points at the full rate!
If you’d like a credit card that earns points on ATO payments, you could also consider a NAB business credit card.
Using Qantas Points
You can use your Qantas Frequent Flyer Points towards a wide range of rewards including reward flights, upgrades, wine, hotel bookings, car rentals, Qantas Rewards Store purchases and even Ticketek bookings.
Classic Flight Rewards
Arguably, the best value ways to spend Qantas Points are on Classic Upgrade Rewards and Classic Flight Rewards. You can request an upgrade with Qantas Points on any Qantas operated and marketed flight, or book a Classic Flight Reward seat with Qantas or any of its many partner airlines.
Qantas Classic Flight Rewards start at 5,700 Qantas Points + taxes & carrier charges for flights in Jetstar Economy Class, or 9,200 Qantas Points + taxes & carrier charges for a Qantas Economy Class flight of up to 600 miles (e.g. on the Melbourne-Hobart route).
It costs 43,800 Qantas Points + $40 for a one-way Qantas Business Class flight from Melbourne to Perth.
Oneworld member airlines
Qantas is part of the Oneworld alliance, meaning you can redeem Qantas Points to fly with any of the other Oneworld member airlines.
In fact, a popular use of Qantas Points is the Oneworld Classic Flight Reward which allows you to travel around the world on Oneworld airlines with up to 5 stopovers. This costs 152,200 Qantas Points in Economy Class or 365,800 Qantas Points for Business Class.
Other partner airlines
Qantas’ other partner airlines include Emirates, Jetstar, El Al, Air France, KLM and LATAM Airlines.
Check the number of Qantas Points needed on any route for an upgrade or reward flight on the Qantas website.
Classic Flight Reward bookings can be excellent value – especially if you’re booking a seat in Premium Economy, Business or First Class. However, beware that reward seat availability is limited. It can be difficult to find seats on popular routes and peak travel dates, especially if you’re looking for multiple seats.
When redeeming Qantas Points for a Classic Flight Reward redemption, you’ll need to pay any applicable taxes & carrier charges in addition to the points. On some airlines, such as Emirates, these carrier charges can be quite expensive. However, other Qantas partner airlines have relatively low or no carrier charges including Fiji Airways, American Airlines, Alaska Airlines, LATAM Airlines, China Airlines and Air New Zealand.
For more details on redeeming Qantas Points, see our Overview of Qantas Frequent Flyer Redemptions.
Summary
Pros
- Great sign-up bonus points
- Solid Qantas Points earn rate (up to the monthly caps)
- Earn bonus points for eligible spend with Qantas using your card
- Complimentary travel insurance
- Compatible with Apple Pay & Google Pay
Cons
- The full Qantas Points earn rate is capped at $5,000/month and no points are earned on spend over $20,000/month
- Relatively high annual fee
- International transaction fees apply
- No points earned when spending with government bodies
- High interest rate (this could be a problem if you don’t think you’ll be able to repay your balance in full each month)
- Free Qantas Frequent Flyer membership (save $99.50)
- Access 5 complimentary insurances when you make an eligible purchase
- Apple Pay and Google Pay support
Frequently Asked Questions (FAQs)
What are the requirements to apply for a NAB Qantas Rewards Signature credit card?
To apply for a NAB Qantas Rewards Signature credit card, you would need to be an Australian or New Zealand citizen, an Australian Permanent Resident or a non-resident holding an acceptable Temporary Residency Visa, aged 18 or over, and receive a regular income. Other criteria may apply.
What is the minimum credit limit on the NAB Qantas Rewards Signature credit card?
The minimum credit limit is $15,000.
Does the NAB Qantas Rewards Signature card come with Qantas lounge passes?
No.
Does the NAB Qantas Rewards Signature credit card come with a concierge service?
Yes, receive 24/7 access to the NAB Concierge Service for assistance with travel and lifestyle services.
Do Qantas Points expire?
Qantas Points only expire if you do not earn or redeem any points at all for 18 months. As long as your Qantas account remains active, your points will remain valid and available to use. Regularly using your Qantas Points credit card is one way that you can keep your Qantas Frequent Flyer account active.
Can you earn status credits with the NAB Qantas Rewards Signature card?
This card does not offer Qantas status credits as a standard benefit. However, you can of course use your card to purchase Qantas flights and earn status credits for those flights. You’ll also earn bonus points when buying Qantas tickets with your NAB Qantas Rewards Signature card. Plus, the Qantas Points earned on this card will all count towards Qantas Points Club membership which allows you to earn status credits on Qantas-marketed Classic Flight Rewards.
Is the NAB Qantas Rewards Signature card compatible with Apple Pay?
Yes, this card supports Apple Pay and Google Pay.
Can you add an additional cardholder?
Yes, you can add one additional cardholder at no extra cost. The supplementary cardholder must be at least 16 years old.
Terms & Conditions
¹ Qantas Rewards Signature Bonus Points Special Offer
Offer commenced 5 August 2025. The 130,000 bonus Qantas Points offer is only available to members who apply for a new NAB Qantas Rewards Signature Card.
To be eligible for the offer, you must apply for a new personal NAB Qantas Rewards Signature Card before the offer is withdrawn, be approved, and spend $5,000 on everyday purchases within 90 days of opening your account and keep your account open for 12 months. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.
Points will be awarded on a tiered basis – 90,000 bonus Qantas Points will be awarded when you spend $5,000 on eligible purchases in the first 90 days. Bonus Qantas Points will be credited to your Qantas Frequent Flyer Membership Account within three months of meeting the spend criteria. An additional 40,000 bonus Qantas Points will be awarded when you continue to hold your card for 12 months, credited to your Qantas Frequent Flyer Membership Account within the 13th month. Any bonus Qantas Points will be forfeited if your NAB Qantas Rewards Signature Credit Card Account is cancelled or closed before the points appear in your Qantas Frequent Flyer Membership Account.
NAB may vary or end this offer at any time. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB card offer.
Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 24 months. This advertised offer of bonus points is not applicable or valid in conjunction with any other advertised or promotional offer.
² Join and redeem Qantas Points
Points will be allocated on a tiered basis over each statement period. To earn and redeem Qantas Points using your NAB Qantas Rewards Premium Card or 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), opens in new window. 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 Premium Card or NAB Qantas Rewards Signature Card and join through qantas.com.au/joinffnab., opens in new window 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., opens in new window
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, opens in new window 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 marketplace.qantas.com, opens in new window and wine.qantas.com, opens in new window.
Transactions that don’t earn points include: Cash advances, bank charges, balance transfers, buying foreign exchange or travellers cheques, ATO payments, BPAY payments, transactions where a cardholder uses a card to access linked transaction accounts, and transactions for gambling or gaming purposes.
Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. Visit Classic Flight Rewards, opens in new window for more information.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.
³ Disclaimer