Card
Offer
NAB Rewards Platinum Card
Public offer
Selected terms version
Ended. These terms are no longer available.
Published 28 Jul 2026
View current offer termsOffer terms historyThis offer is currently unavailable.
Source wording historyOffer terms
First Year Points
80,000 points
NAB
Second Year Points
20,000 points
With $195 annual fee
Minimum Spend
$3,000
within 3 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$195
Ongoing Annual Fee
$195
From year 2 onwards
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.
Recorded benefits
- Travel Insurance
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Includes international travel insurance, domestic travel insurance, and rental vehicle excess insurance in Australia as complimentary insurances.
- Rewards Program Elite Status
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Earn NAB Rewards Points with tiered bonus points offers for new and existing customers, including up to 100,000 bonus points for spending $3,000 in 90 days and keeping the card for over 12 months.
- Concierge Service
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NAB Concierge Service: personal assistant for travel and lifestyle services, available 24 hours a day, 7 days a week
- Points Transfer Benefits
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Transfer NAB Rewards Points to partner programs: Flybuys (3,000=3,000), Velocity Frequent Flyer (3,000=1,500), Accor Live Limitless (3,000=500), Singapore Airlines KrisFlyer (3,000=1,000 miles), Cathay Asia Miles (3,000=1,000, ending 27 April 2026) and Air New Zealand Airpoints (3,000=15 Airpoints Dollars); excludes Qantas Frequent Flyer
- No Additional Cardholder Fee
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Add an additional cardholder at no extra cost
- Digital Card Issuance
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Digital card available for use immediately after approval, before the physical card arrives within five working days
- Purchase Protection Insurance
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Complimentary purchase protection insurance
- Extended Warranty Insurance
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Complimentary extended warranty insurance
- Mobile Phone Insurance
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Complimentary mobile phone insurance
- Balance Transfer Offers
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0% p.a. on balance transfers for 12 months with a 3% balance transfer fee; unpaid BT reverts to the variable cash advance rate
- Interest Free Periods
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Up to 44 interest-free days on purchases
Benefit history
- Points Transfer BenefitsUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Balance Transfer OffersUpdated May 2026
- Concierge ServiceUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$33 per day required
First Year Cost
$195
annual fee
Bonus Value
$400
83,000 points redeemed in Woolworths or Coles gift cards
Earn Rate
Average
●●○○1.00x NAB points per $1
Did this help you make a decision?
Can I get this bonus if I've had a card from NAB before?
You generally need to wait 24 months after your last NAB sign-up bonus before you can earn this one.
See exclusion periods for every Australian issuer →Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 2 Oct 2026
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Saved notes
Earlier notes about this offer. Note dates are separate from terms publication dates.
- Coles/Woolworths gift cards changed from 9620 for $50, 19230 for $100, 48080 for $250, to 10210 for $50, 20410 for $100, 51020 for $250. $20 Coles gift card removed.3 years ago
- Expiration removed, Annual Fee from $95 to $453 years ago
- Expiration changed from undefined to "", Bonus from 60000 to 800003 years ago
- Annual fee reduced from $195 to 95, added second year bonus 20k points5 years ago