Flight value
$451 after fees
43,750 Qantas points, estimated value · 40,000 Qantas points · spend $5,000 in 90 days
Available
I'd like to use my bonus for:
to in (0 points)
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43,750 Qantas points at 1.6¢ − $449 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
These terms are currently available (site published 11 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 36 months. The holding period is 36 months, measured from the last date you held a covered card. An open covered card blocks the bonus.
See exclusion periods for every Australian issuer →What must I spend?
$5,000 within 90 days — about $1,667 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$6,000 minimum credit limit — a lending commitment, not a reward fact.
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Earn Qantas Points on everyday purchases and redeem for award flights, products and vouchers via Qantas Marketplace; free Qantas Frequent Flyer membership (joining fee waived, $99.50 saving)
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Earn Qantas Points on everyday purchases and redeem for award flights, products and vouchers via Qantas Marketplace; free Qantas Frequent Flyer membership (joining fee waived, $99.50 saving)
No source recorded for this benefit.Learn more
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Complimentary purchase protection insurance
Check the cover period, the card-payment condition, claim limits, and excess.
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Complimentary purchase protection insurance
No source recorded for this benefit. - Extended Warranty Insurance Compare across cards →Complimentary extended warranty insurance
Check how much extra cover it adds, which warranty lengths qualify, limits, and excess.
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Complimentary extended warranty insurance
No source recorded for this benefit.
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Travel Insurance Compare across cards →Complimentary international and domestic travel insurance covering domestic, interstate and international travel
Check the cover period, the activation condition, and who counts as an insured person.
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Complimentary international and domestic travel insurance covering domestic, interstate and international travel
No source recorded for this benefit. - Rental Vehicle Insurance Compare across cards →Complimentary rental vehicle excess in Australia insurance
Check overseas rental excess separately from Australian cover, plus limits and activation for each.
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Complimentary rental vehicle excess in Australia insurance
No source recorded for this benefit.
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Visa Premium Access: access to deals, discounts and privileges
Check activation and purchase conditions. Amounts here don't add to the bonus calculation.
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Visa Premium Access: access to deals, discounts and privileges
No source recorded for this benefit.Learn more
Account management
Tools for running the account — repayment helpers, not reward value.
- Concierge Service Compare across cards →NAB Concierge Service: 24 hour, 7 day personal assistant for travel and lifestyle services; call 1300 730 213
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NAB Concierge Service: 24 hour, 7 day personal assistant for travel and lifestyle services; call 1300 730 213
No source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →Add an additional cardholder at no extra cost
Check account liability and age or redemption restrictions.
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Add an additional cardholder at no extra cost
No source recorded for this benefit. - Digital Card Issuance Compare across cards →Digital card available for use immediately while the physical card arrives within five working days
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Digital card available for use immediately while the physical card arrives within five working days
No source recorded for this benefit. - Balance Transfer Offers Compare across cards →0% p.a. on balance transfers for 12 months with a 3% balance transfer fee; unpaid balance reverts to the variable cash advance rate
Check the rate, period, revert rate, and fees.
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0% p.a. on balance transfers for 12 months with a 3% balance transfer fee; unpaid balance reverts to the variable cash advance rate
No source recorded for this benefit. - Interest Free Periods Compare across cards →Up to 44 interest-free days on purchases when the account is paid in full by the due date
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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Up to 44 interest-free days on purchases when the account is paid in full by the due date
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $449 each year ($449 annual fee) — first year was $449.
Second year pays 20,000 Qantas points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 0.75x Qantas points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $449/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
0.75 Qantas Points per $1 on the first $3,000 of eligible purchases per statement period. 0.25 Qantas Points per $1 on eligible purchases from $3,001 to $15,000 per statement period.
Terms and evidence
Full current terms
Offer terms
First Year Points
40,000 points
Qantas
Second Year Points
20,000 points
With $449 annual fee
Minimum Spend
$5,000
within 90 days (about 3 months)
Cash Bonus
Ongoing Earn Rate
0.75x points per $1 spent
Fees
First Year Annual Fee
$449
Ongoing Annual Fee
$449
From year 2 onwards
Purchase Interest Rate
22.49% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (5 changes)
- Travel InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Concierge ServiceUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 11 Oct 2026
Availability changed from ended to available; conditions unchanged.
Changes from terms version 10
Changes from terms version 9
No recorded term changes from the previous version.
Changes from terms version 7
No recorded term changes from the previous version.
Changes from terms version 5
No recorded term changes from the previous version.
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About the current terms (published 11 Oct 2026).
Community and personal tools
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