NAB Credit Cards

Find the best NAB credit card for your lifestyle. Compare uncapped NAB Rewards, Qantas Frequent Flyer points, and low-rate cards with $0 annual fee and balance transfer offers.

Checked by Kredmo team.

Updated on 20 Aug, 2026
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Rewards & Frequent Flyers

4 Credit Cards

Credit Card

  • Bonus Offer
  • Points Per $
  • Annual Fee
  • Flyer Program
  • Net Rewards
NAB Qantas Rewards Signature
NAB Qantas Rewards Signature
  • Bonus Offer 130,000
    Qantas Points
  • Points Per $ 1 - 2
  • Annual Fee $420
  • Flyer Program Qantas
  • Net Rewards
    $-
Go To Site
NAB Qantas Rewards Signature
  • $250 Cashback
  • Frequent Flyer Points
    Qantas Frequent Flyer
    Travel Services
    Free Qantas Frequent Flyer membership
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Visa Premium Access
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.74% p.a.
Annual Fee: $420
Minimum Credit Limit: $15,000
Annual Fee Offer: $320 in 1st year for existing customers
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 44 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Visa Premium Access
Travel Services: Free Qantas Frequent Flyer membership
Bonus Points Offer: 130,000 Qantas Points . 100,000 Qantas points and $250 cashback when you spend $5,000 on everyday purchases within 90 days of the account opening. 30,000 Qantas points when you keep your card for over 12 months. Offer is not available to cutomers who have or were entitled to receive a NAB Qantas bonus points offer for a new NAB Qantas Rewards card within the last 18 months.
Cashback Offer: $250 when you spend $5,000 on everyday purchases within 60 days of the account opening
Point Earning Limit: Capped
Points Per $1 Spend: 1 Qantas point on everyday purchases up to $5,000 and then 0.5 Qantas points after up to $20,000 in each statement period. 1 bonus Qantas point on eligible Qantas services.
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
NAB Rewards Signature
NAB Rewards Signature
  • Bonus Offer 110,000
    NAB Rewards Points
  • Points Per $ 0.5 - 1.5
  • Annual Fee $420
  • Flyer Program Velocity
  • Net Rewards
    $-
Go To Site
NAB Rewards Signature
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Visa Premium Access
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.74% p.a.
Annual Fee: $420
Minimum Credit Limit: $15,000
Annual Fee Offer: $0 monthly if spend at least $5,000 in each statement period
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 44 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Entertainment: Visa Premium Access
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Concierge Service: Yes
Travel Insurance: Domestic & International Travel Insurance
Bonus Points Offer: 110,000 NAB Rewards Points . 80,000 Reward points when you spend $5,000 on everyday purchases within 90 days of the account opening and 30,000 Reward points when you keep your card for over 12 months. Offer is only available to new NAB Rewards cardholders or those who haven't held a NAB Rewards card within the last 24 months.
Points Per $1 Spend: 1.5 NAB Rewards points on everyday and grocery store purchases for up to $15,000 in spend each statement period, then 0.5 NAB Rewards points after. 3 NAB Rewards points on Webjet online.
Point Earning Limit: Partially Capped
Flyer Points Conversion Rate: 1 NAB Rewards point = 0.5 Velocity points.
Redeem Points: 10,210 Rewards points gets you a $50 gift card or 12,500 Rewards points for $50 cashback. 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
NAB Qantas Rewards Premium
NAB Qantas Rewards Premium
  • Bonus Offer 100,000
    Qantas Points
  • Points Per $ 0.66 - 1
  • Annual Fee $295
  • Flyer Program Qantas
  • Net Rewards
    $-
Go To Site
NAB Qantas Rewards Premium
  • $150 Cashback
  • Frequent Flyer Points
    Qantas Frequent Flyer
    Travel Services
    Free Qantas Frequent Flyer membership
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Visa Premium Access
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.74% p.a.
Annual Fee: $295
Minimum Credit Limit: $6,000
Annual Fee Offer: $195 in 1st year for existing customers
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 44 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Visa Premium Access
Travel Services: Free Qantas Frequent Flyer membership
Bonus Points Offer: 100,000 Qantas Points . 60,000 Qantas points and $150 cashback when you spend $3,000 on everyday purchases within 90 days of the account opening. Then 40,000 Qantas points when you keep your card for over 12 months. Offer is not available to cutomers who have or were entitled to receive a NAB Qantas bonus points offer for a new NAB Qantas Rewards card within the last 18 months.
Cashback Offer: $150 when you spend $3,000 on everyday purchases within 90 days of the account opening
Point Earning Limit: Capped
Points Per $1 Spend: 0.66 Qantas points on everyday purchases up to $3,000 per statement period and 0.33 Qantas points after that up to $6,000 spend. 1 bonus Qantas point on eligible Qantas services. Free Qantas Frequent Flyer membership.
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
NAB Rewards Platinum
NAB Rewards Platinum
  • Bonus Offer 100,000
    NAB Rewards Points
  • Points Per $ 1 - 2
  • Annual Fee $195
  • Flyer Program Velocity
  • Net Rewards
    $-
Go To Site
NAB Rewards Platinum
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Visa Premium Access
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.74% p.a.
Annual Fee: $195
Minimum Credit Limit: $6,000
Annual Fee Offer: $95 in 1st year for existing customers
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 44 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Entertainment: Visa Premium Access
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Concierge Service: Yes
Travel Insurance: Domestic & International Travel Insurance
Bonus Points Offer: 100,000 NAB Rewards Points . 80,000 Reward points when you spend $3,000 on everyday purchases within 90 days of the account opening and 20,000 Reward points when you keep your card for over 12 months. Offer is only available to new NAB Rewards cardholders or those who haven't held a NAB Rewards card within the last 24 months.
Points Per $1 Spend: 1 NAB Rewards points on everyday purchases. 1.5 NAB Rewards points on grocery store purchases. 2 NAB Rewards points on Webjet online.
Point Earning Limit: Uncapped
Flyer Points Conversion Rate: 1 NAB Rewards point = 0.5 Velocity points.
Redeem Points: 10,210 Rewards points gets you a $50 gift card or 12,500 Rewards points for $50 cashback. 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
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Low Rates / No Annual Fees

2 Credit Cards

Credit Card

  • Rate
  • Rate Offer
  • Annual Fee
  • BT Offer
  • Min Income
NAB Low Rate
NAB Low Rate
  • Rate 13.49%
  • Rate Offer -
  • Annual Fee $99
  • BT Offer 0% for 26 months
  • Min Income $0
Go To Site
NAB Low Rate
  • Top 5 Cashback Offers
  • $400 Cashback
  • Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Visa Entertainment
Purchase Interest Rate: 13.49% p.a.
Cash Advance Rate: 21.74% p.a.
Annual Fee: $99
Minimum Credit Limit: $1,000
Annual Fee Offer: $0 in 1st year with BT Offer for existing customers
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $15
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Entertainment: Visa Entertainment
Balance Transfer Rate: 0% p.a. for 26 months
Max BT Amount: 100% of the credit limit
Balance Transfer Fee: 3%
Interest Free Days With BT: Yes
BT After Rate: 21.74% p.a.
BT After Rate: 21.74% p.a.
NAB Low Fee
NAB Low Fee
  • Rate 20.99%
  • Rate Offer -
  • Annual Fee $49
  • BT Offer 0% for 12 months
  • Min Income $0
Go To Site
NAB Low Fee
  • $250 Cashback
  • Shopping Protection
    Purchase Protection
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Visa Entertainment
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.74% p.a.
Annual Fee: $49
Minimum Credit Limit: $1,000
Annual Fee Offer: $0 in 1st year for existing customers
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 44 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Entertainment: Visa Entertainment
Balance Transfer Rate: 0% p.a. for 12 months
Max BT Amount: 100% of the credit limit
Balance Transfer Fee: 3%
Interest Free Days With BT: Yes
BT After Rate: 21.74% p.a.
BT After Rate: 21.74% p.a.
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Tips & Tools

Essential Tips and Tools for Smart Borrowing

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NAB Rewards vs NAB Qantas Credit Cards
Tip 2 Image
Best Rewards Credit Cards in Australia
Tip 3 Image
Best Qantas Points Credit Cards Australia
Tip 4 Image
Best Frequent Flyer Credit Cards in Australia
Blog & Resources
Guide

NAB Credit Cards Guide

How We Rank the NAB Rewards Cards

At Kredmo, we use a data-driven Value Methodology to rank every card on this page:

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    Sign-Up Bonus Impact: We analyze the true value of 100k+ bonus point or cash-back offers after meeting minimum spend.
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    Points Weighted Earn Rate: We calculate the "dollar per points" value from from actual aveage Australian household spending splits (e.g., 35% Groceries, 15% Fuel, 20% Utilities) to show to best estimate what you could earn.
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    Capped and Uncapped Points: We calculate the earn rate caps or "Tiered Earn Rates" for cards with both spending amount maximums and point earning maximums.
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    Redeem Points Dollar Value: We calculate the dollar value from earned rewards points for reach rewards program for each redeem category cash back, gifts cards, domestic and international flights.
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    Cost Efficiency: We factor in the cost of the annual fee so to evaluate whether your rewards earned outweigh the annual fee or not to reveal the Year 1 Net Profit. Ensuring your rewards are an asset, not an expense.

How Kredmo Calculates Your Net Rewards $ Value

At Kredmo, we believe transparency is the key to choosing the right credit card. Our Net Rewards $ Value is a data-driven estimate of the net Rewards financial benefit you could receive during your first year of card membership.

  1. We use a specific three-step formula to convert complex bonus points or cashback offers into a clear dollar figure:

    1
    Sign-Up Bonus Valuation: We convert the headline bonus points (e.g., 100,000 points) into a dollar value based on a conservative redemption average of 0.5 to 1.0 cents per point. This represents the standard "floor value" for redemptions like digital gift cards and cashback in the Australian market.
  2. 2
    Annual Spend Projections: We calculate the points earned from your projected annual spending based on the card's specific earn rate (e.g., 1.25 points per $1 spent). We then convert
    these points into their equivalent dollar value to show what your "monthly" spending is actually worth.
  3. 3
    The 'Net Value' Deduction: To find the final figure, we subtract the first-year annual fee from the total sum of points and cash back expected to be earned. The resulting Rewards $ Value shown in our table represents your true "New Rewards $ Value"—in terms of Reward points and cash back of the value you receive after the card has paid for itself.
    Note: Our calculations assume you pay your statement balance in full each month. Because rewards credit cards carry high interest rates (often 20% p.a. or more), interest charges are not factored into this value as they would quickly negate the benefits earned.

How Kredmo Calculates Your Net Rewards $ Value

At Kredmo, we believe transparency is the key to choosing the right credit card. Our Net Rewards $ Value is a data-driven estimate of the net Rewards financial benefit you could receive during your first year of card membership.

  1. We use a specific three-step formula to convert complex bonus points or cashback offers into a clear dollar figure:

    1
    Sign-Up Bonus Valuation: We convert the headline bonus points (e.g., 100,000 points) into a dollar value based on a conservative redemption average of 0.5 to 1.0 cents per point. This represents the standard "floor value" for redemptions like digital gift cards and cashback in the Australian market.
  2. 2
    Annual Spend Projections: We calculate the points earned from your projected annual spending based on the card's specific earn rate (e.g., 1.25 points per $1 spent). We then convert
    these points into their equivalent dollar value to show what your "monthly" spending is actually worth.
  3. 3
    The 'Net Value' Deduction: To find the final figure, we subtract the first-year annual fee from the total sum of points and cash back expected to be earned. The resulting Rewards $ Value shown in our table represents your true "New Rewards $ Value"—in terms of Reward points and cash back of the value you receive after the card has paid for itself.
    Note: Our calculations assume you pay your statement balance in full each month. Because rewards credit cards carry high interest rates (often 20% p.a. or more), interest charges are not factored into this value as they would quickly negate the benefits earned.
Trust!

Why Trust
Kredmo?

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    80+ Cards Compared: We track over 20+ Australian providers to give you a full market view, not a filtered one.
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    User-First Logic: Our rankings are built on data-driven “Value Methodology,” not whether we have a partnership with provider or not.
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    Total Independence: We show you the best credit cards currently available in the Australian market and give you the tools to make the best decision for your unique financial journey.
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    Licensed: We operate under ACL 518788.