Card
Offer
NAB Rewards Platinum Card
Public offer
Offer 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
1.25x 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
More detailsLess details
Includes international travel insurance, domestic travel insurance, and rental vehicle excess insurance in Australia as complimentary insurances.
- Rewards Program Elite Status
More detailsLess details
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
More detailsLess details
NAB Concierge Service: personal assistant for travel and lifestyle services, available 24 hours a day, 7 days a week
- Points Transfer Benefits
More detailsLess details
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
More detailsLess details
Add an additional cardholder at no extra cost
- Digital Card Issuance
More detailsLess details
Digital card available for use immediately after approval, before the physical card arrives within five working days
- Purchase Protection Insurance
More detailsLess details
Complimentary purchase protection insurance
- Extended Warranty Insurance
More detailsLess details
Complimentary extended warranty insurance
- Mobile Phone Insurance
More detailsLess details
Complimentary mobile phone insurance
- Balance Transfer Offers
More detailsLess details
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
More detailsLess details
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
Earn Rate
Average
●●○○1.25x 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