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Velocity Points with NAB Rewards credit cards - NAB

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Velocity Points with NAB Rewards credit cards

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Velocity Points with NAB Rewards credit cards

Earn Velocity Points on a new NAB Rewards credit card with automatic redemption.

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Earn Velocity Points with our NAB Rewards credit cards

Get ready to extend your Velocity Points earnings with our NAB Rewards credit cards. Enjoy the benefits of hassle-free points accumulation with our automatic redemption feature, which transfers your NAB Rewards Points directly to your Velocity account each month.

Compare our Velocity Points earning NAB Rewards credit cards

Both cards offer the chance to earn Velocity Points which are automatically transferred monthly into your Velocity account. Compare the different Velocity rewards, minimum credit limits and fees to find a card that suits you.

NAB Rewards Card with Velocity

Experience uncapped rewards points, transferred monthly to your Velocity account to redeem on flights or the Velocity Rewards Store.

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Minimum credit limit

$3,000

Annual card fee

$ 195 p.a.

Variable purchase rate

22.49 % p.a.

Benefits and considerations

Benefits

Earn up to 2 NAB Rewards Points per $1
Complimentary insurances
Up to 44 interest free days on purchases
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.
We can’t process balance transfers from certain issuers – see our indicative list.
Add an additional cardholder at no extra cost
NAB Concierge Service
Global assistance for card emergencies

Considerations

Higher interest rates compared to our NAB Low Rate Card
Lower point earn rate compared to our NAB Rewards Travel Card.
Higher annual fee compared to some of our other cards.

Not the right card for you? We can help you choose a different one.

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Offer

Up to 80,000 bonus Velocity Points

Automatically redeem 40,000 Velocity Points (from 120,000 NAB Rewards Bonus Points) when you spend $4,000 within the first 90 days of account opening.
Plus 40,000 Velocity Points (from 120,000 NAB Rewards Bonus Points) when you keep your card for over 12 months.

Minimum monthly repayments required. Offer commenced 1 October 2026 and ends upon withdrawal. Available to new cardholders only. Eligibility criteria and terms and conditions apply. See important information below.

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Resume an existing application

NAB Rewards Travel Card with Velocity

Experience uncapped rewards points to transfer monthly to your Velocity account with our highest points earn NAB Rewards credit card.

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Minimum credit limit

$6,000

Annual card fee

$ 395 p.a.

Variable purchase rate

22.49 % p.a.

Benefits and considerations

Key benefits of this card

Fee-free international transactions
Complimentary airport lounge access
Complimentary delayed flight lounge pass
Convert 3 NAB Rewards Points into 1 Velocity Point
Complimentary mobile phone insurance

Benefits

Earn up to 2.5 NAB Rewards Points per $1
Complimentary insurances
Add an additional cardholder at no extra cost
Up to 44 interest free days on purchases
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.
We can’t process balance transfers from certain issuers – see our indicative list.
Fraud and theft protection with world class security technologies
Global assistance for card emergencies
NAB Concierge Service
Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions

Considerations

Higher interest rates compared to our NAB Low Rate Card
Higher annualised monthly fee compared to some of our other cards

Not the right card for you? We can help you choose a different one.

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Offer

Up to 90,000 bonus Velocity Points

Automatically redeem 50,000 Velocity Points (from 150,000 NAB Rewards Bonus Points) when you spend $5,000 within the first 90 days of account opening.
Plus 40,000 Velocity Points (from 120,000 NAB Rewards Bonus Points) when you keep your card for over 12 months.

Offer only available online for new cardholders. Minimum monthly repayments required. Offer commenced 1 October 2026 and ends upon withdrawal. Eligibility criteria and terms and conditions apply. See important information below.

Get an instant response

Apply now

Resume an existing application

More about credit cards with Velocity Points

What are Velocity Points?

Velocity Points are the reward currency of Virgin Australia’s Velocity Frequent Flyer program. You can convert your NAB Rewards Points to Velocity Points.

How can I use Velocity Points?

You can redeem your points when you fly with Virgin Australia or partner airlines, use eligible credit cards, shop with partner retailers, book hotels, hire cars and more.

Do Velocity Points expire?

Yes – Velocity Points expire if you don’t earn points for 24 months. Any activity on your account resets the expiry on your entire points balance.

How to convert NAB Rewards Points to Velocity Points

You can easily convert the points you earn on your NAB Rewards or NAB Rewards Travel Cards to Velocity Points. Here’s how:

Visit the NAB Rewards Store and link your Velocity membership number to your NAB Rewards account. If you’re not already a Velocity Frequent Flyer member, join for free today.
Each month, your NAB Rewards Points will be transferred to Velocity Points. You can set up automatic redemption for convenience.
Velocity Points converted from bonus NAB Rewards Points will be credited within three months of meeting your spend criteria.

How much are Velocity Points worth?

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Three NAB Rewards Points are worth one Velocity Point

Boost your Velocity Points balance faster by earning bonus points when you shop through the NAB Rewards Bonus Points Shop or Points Booster stores.

How many Velocity Points do I need to fly?

It depends on where you’re flying, when you book, and which seat you choose. Velocity uses distance based award charts, and prices can change based on demand and availability. For example, for an economy seat on a Virgin Australia domestic flight, you’ll need at least 5,900 points for a one-way flight.

Use the mileage calculator on the Velocity website to work out how far your points can take you.

How do I earn Velocity Points?

1. Apply for an eligible NAB Rewards credit card
Cards like the NAB Rewards Card and NAB Rewards Travel Card let you earn NAB Rewards Points, which you can then convert to Velocity Points in the NAB Rewards Store.
2. Switch on Auto Redemption
You can set up Auto Redemption so all your NAB Rewards Points are automatically converted to Velocity Points each month.
3. Earn points on your everyday spending
Each time you make an eligible purchase with your NAB Rewards Card, you’ll earn points. All your everyday spending, like groceries, petrol, takeaway coffee and more can earn points. You could also earn bonus points on certain transactions.
4. Take advantage of bonus Velocity Points offers
Keep an eye out for offers where you can earn bonus points by meeting minimum spend requirements and keeping you card open for at least 12 months.

Can I transfer Velocity Points to someone else?

Yes – you can transfer your points to an eligible family member who is also a Velocity member. You’ll need to log into your Velocity account to do this.

How to earn Velocity Points with NAB Rewards credit cards

| | NAB Rewards Card (per $1 spend) | NAB Rewards Travel Card (per $1 spend) | | | ------------------------------------------------- | --------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------- | | Standard earn rate | NAB Rewards Card (per $1 spend)Earn 1.25 points up to $5,000 spend per month, then earn 0.5 points | NAB Rewards Travel Card (per $1 spend)Earn 1.5 points up to $10,000, then earn 0.5 points | | Grocery, Petrol, Public Transport store purchases | NAB Rewards Card (per $1 spend)Earn 0.75 points (uncapped) | NAB Rewards Travel Card (per $1 spend)Earn 1 point (uncapped) |

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Important Information

Terms and Conditions

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Fees and charges Read our credit card terms and conditions. Credit card fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today.

Credit cards issued by National Australia Bank Limited.

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