NAB Rewards Signature Credit Card
Earn up to 1.5 NAB Rewards Points per dollar on everyday purchases and enjoy no international transaction fees with the NAB Rewards Signature card.
- NAB Rewards Points can be transferred to Velocity Points, Cathay Pacific Asia Miles, KrisFlyer miles, Flybuys points or Air NZ Airpoints
- Apple Pay and Google Pay support
Why we like the NAB Rewards Signature Card
The NAB Rewards Signature credit card lets you earn NAB Rewards Points on your everyday purchases, with double points on Webjet purchases. These points can be redeemed for rewards such as gift cards, or transferred to frequent flyer and loyalty programs including Velocity, KrisFlyer, Cathay, Accor Live Limitless and Flybuys.
There’s also no international transaction fees, and you can get the monthly fee waived when you spend at least $5,000 during the month. Plus, there’s a great sign-up bonus available to new cardholders.
As you’d expect with a premium credit card, this card provides complimentary insurances including international travel insurance, interstate flight inconvenience insurance and domestic rental vehicle excess insurance. You can also get complimentary lounge passes at selected airports whenever your flight is delayed by at least an hour.
- NAB Rewards Points can be transferred to Velocity Points, Cathay Pacific Asia Miles, KrisFlyer miles, Flybuys points or Air NZ Airpoints
- Apple Pay and Google Pay support
Contents
Sign-up bonus
Apply for a NAB Rewards Signature credit card to earn up to 110,000 bonus NAB Rewards Points! That’s equal to 55,000 Virgin Australia Velocity points, 36,000 Singapore Airlines KrisFlyer miles, 36,000 Cathay Pacific Asia Miles, $550 worth of Flybuys Dollars or $530 worth of gift cards.
To give you an idea of the value of those points, it would cost you 62,000 Velocity points (plus taxes and carrier charges) for two return Virgin Australia Business Class flights from Melbourne to Sydney.
The bonus points are allocated over two years. You’ll receive 80,000 bonus points when you spend $5,000 on eligible purchases within 90 days of opening your account. You’ll get an additional 30,000 bonus points when renewing your card for a second year.
To learn more about which loyalty programs you can convert NAB Rewards Points into, see our Credit Card Points Transfer Assistant.
This offer does not have a fixed expiry date but may be changed or withdrawn at any time.
The bonus points offer is not available if you have participated in a NAB Rewards bonus points offer for a new personal NAB Rewards credit card or NAB home loan in the past 18 months.
No international transaction fees
Since 12 June 2024, this card has no international transaction fees. Enjoy fee-free foreign currency transactions when travelling overseas or shopping online!
Delayed flight lounge pass
As a NAB Rewards Signature cardholder, you can get complimentary access to selected LoungeKey airport lounges for yourself and up to four eligible travel companions if your flight is delayed by an hour or more. If no lounges are available, you can also use your Delayed Flight Lounge Pass to offset the bill at selected airport dining outlets.
Complimentary travel & other insurances
The NAB Rewards Signature credit card comes with complimentary international travel insurance. This 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
- Mobile phone 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 Rewards Signature card, you’ll earn 1.5 NAB Rewards Points per dollar on the first $15,000 spent on eligible transactions (excluding government payments and gambling transactions) each month. That’s effectively 0.75 Velocity points or 0.5 KrisFlyer miles per $1 spent. Additional monthly spend earns at a rate of 0.5 NAB Rewards Points per $1.
Plus, earn double points – that’s 3 NAB Rewards Points per dollar – with Webjet.
Beware that NAB Rewards Points expire after 3 years. You can redeem them or transfer them out to a frequent flyer program such as Virgin Australia Velocity before the points expire, so that you don’t lose them.
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 NAB Rewards 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 NAB Rewards Points
NAB Rewards Points can be converted to points or miles with six other loyalty programs, with a minimum transfer of 3,000 NAB Rewards Points at a time. Here’s the full list of transfer partners:
| Transfer partners | 1 NAB Rewards Point equals… |
|---|---|
| Accor ALL | 0.17 ALL points |
| Air New Zealand Airpoints | 0.005 Airpoints Dollars |
| Cathay (Asia Miles) | 0.33 miles |
| Flybuys | 1 point |
| Singapore Airlines KrisFlyer | 0.33 miles |
| Virgin Australia Velocity | 0.5 points |
See our Overview of NAB Rewards Transfer Partners for more information.
Alternatively, you could redeem your points through the NAB Rewards program for rewards including:
- Gift cards
- Cashback
- Retail products
- Donations
- DragonPass airport lounge passes
- Payment towards Webjet travel bookings
Note that according to the NAB Rewards terms & conditions, NAB can change the number of points required to redeem a reward “at any time and without prior notice”.
NAB Rewards Points cannot be converted into Qantas Frequent Flyer points. If you’d like to earn Qantas points, the NAB Qantas Rewards Signature card may be more suitable. Alternatively, you can view our guide to the best Qantas credit card offers, or browse other credit cards in Australia.
Summary
Pros
- No international transaction fees
- Delayed Flight Lounge Pass benefit
- Earn NAB Rewards Points, which you can transfer to 6 frequent flyer & loyalty programs
- Earn bonus points with Webjet
- Complimentary travel insurance
- Compatible with Apple Pay & Google Pay
- Get the monthly fee waived whenever you spend $5,000 during the month
Cons
- Higher annual fee than the NAB Rewards Platinum card
- The full points earn rate is capped at $15,000 of spend per month
- NAB Rewards Points expire
- 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)
- NAB Rewards Points can be transferred to Velocity Points, Cathay Pacific Asia Miles, KrisFlyer miles, Flybuys points or Air NZ Airpoints
- Apple Pay and Google Pay support
Frequently Asked Questions (FAQs)
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.
The minimum credit limit is $15,000.
This card provides a Delayed Flight Lounge Pass benefit that you can use if your flight is delayed by an hour or more. You can also redeem NAB Rewards Points for DragonPass airport lounge passes.
Yes, but you will not earn any points if you use a personal NAB credit card to pay the ATO or other government bodies directly. If you would like to earn points when paying tax using your credit card, you could use a bill payment service such as pay.com.au or consider a NAB business credit card.
Yes, receive 24/7 access to the NAB Concierge Service for assistance with travel and lifestyle services.
Yes, NAB Rewards Points expire three years after they are earned if unredeemed.
You can transfer NAB Rewards Points to Flybuys, Velocity Frequent Flyer, KrisFlyer, Cathay Pacific Asia Miles, Accor Live Limitless and Airpoints. A minimum amount of 3,000 NAB Rewards Points applies per transfer.
Yes, this card supports Apple Pay and Google Pay.
Yes, you can add one additional cardholder at no extra cost. The supplementary cardholder must be at least 16 years old.
Terms & Conditions
Offer commenced 29 July 2025. To be eligible for the 110,000 bonus points offer, you must apply for a new personal NAB Rewards Signature Card before the offer is withdrawn, be approved, and spend $5,000 on everyday purchases within 90 days of opening your account on your NAB Rewards Signature Card. Points will be awarded on a tiered basis – 80,000 bonus points when you spend $5,000 on everyday purchases in the first 90 days (credited to your points balance within three months of meeting the spend criteria) and 30,000 bonus points after 12 months (credited to your points balance within the 13th month). NAB may vary or end this offer at any time.
Everyday purchases are eligible transactions under the NAB Rewards Terms and Conditions and exclude transactions including those that NAB decides are wholly or partly for gambling or gaming purposes. Please refer to the NAB Rewards Terms and Conditions, opens in new window for more information. Bonus points are not available to customers who currently hold, or have held, any personal NAB Rewards Credit Card in the last 24 months. Offers are not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.
Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions (PDF, 199KB), opens in new window available at rewards.nab.com.au, opens in new window. 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.
After 12 months, any unpaid balance transfers will attract the variable cash advance rate (currently 21.74% p.a. as at today). 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.
Complimentary Delayed Flight Lounge Passes are provided by Collinson Insurance Services Limited (which operates the LoungeKey™ Pass program), and are available to all NAB Rewards Signature Credit cardholders (Eligible Persons). The Delayed Flight Lounge Pass gives an Eligible Person plus up to 4 travel companions complimentary access to select airport lounges at select airport locations. Alternatively, if a lounge is unavailable, Eligible Persons can use their Delayed Flight Lounge Pass to offset a dollar amount off the total bill at select dining options. Availability of airport lounges and dining options vary based on location and affiliated LoungeKey™ Partners at the time. Not all airports offer Delayed Flight Lounge Pass and use of Delayed Flight Lounge Pass may be restricted to certain terminals. Access to and use of the Delayed Flight Lounge Pass is subject to the Terms of Use (PDF, 83KB), opens in new window which are subject to change. You can search for locations and the conditions of use, opens in new window applicable to each airport lounge/dining venue.
Delayed Flight Lounge Passes are not available where flights are cancelled or rescheduled to 24 hours after the flight’s scheduled departure time (which will be handled by the airline directly via their own compensation process). Delayed Flight Lounge Passes are provided on a non-transferable, non-refundable and non-changeable basis. NAB is not responsible for the issue of Delayed Flight Lounge Passes, and excludes all liability for any loss or damage in connection with the issue, non-issue or use of a Delayed Flight Lounge Pass to the extent permitted by law.
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.