NAB Rewards Platinum Card
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NAB Rewards Credit Card | Earn points and rewards - NAB
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NAB Rewards Credit Card
Earn and redeem NAB Rewards Points with our rewards credit card, plus enjoy 0% p.a. on balance transfers for 12 months with a 3% BT fee.
Jump to
Apply online in 15 minutes and get a response in 60 seconds
Apply online in 15 minutes and get a response in 60 seconds
Offer
New customers
Up to 100,000 bonus NAB Rewards Points
- 80,000 bonus points when you apply for a NAB Rewards Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening.
- 20,000 bonus points when you keep your card for over 12 months.
Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Rewards Credit Card in the last 24 months.
Bonus points are credited to your points balance within three months of meeting the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information.
Offer
Existing customers
Up to 100,000 bonus NAB Rewards Points and $100 saving on your annual card fee for the first year
- 80,000 bonus points when you apply for a NAB Rewards Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening and 20,000 bonus points when you keep your card for over 12 months.
- Enjoy a reduced annual card fee (from $195 to $95) for the first year.
Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Rewards Credit Card in the last 24 months.
Bonus points are credited to your points balance within three months of meeting the spend criteria.
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information.
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Rates and fees
Learn more about our standard credit card interest rates, annual card fees and credit limits that apply to this card.
| Variable purchase rate | 22.49% p.a. |
|---|---|
| Standard balance transfer (BT) rate for 12 months 3% BT fee applies. Unpaid BT reverts to variable cash advance rateWe can’t process balance transfers from certain issuers – see our indicative list. | 0% p.a. |
| Interest free days on purchases | Up to 44 |
| Annual card fee | $195 p.a. |
| Minimum credit limit | $3,000 |
| Variable cash advance rate This is the interest rate charged on amounts you withdraw as cash, gambling transactions (including lottery ticket purchases), or transfer from your credit card to another account. | 22.99% p.a. |
How to earn NAB Rewards Points
Earn up to 2 points per dollar on your everyday transactions. There's no limitto the amount of rewards points you can earn each month.
Earn 1.25 NAB Rewards Points
Applies to every $1 spend on eligible purchases up to $5,000 in a Rewards Statement Period (calendar month), then 0.5 NAB Rewards Points for every $1 spend, uncapped.
Earn 0.75 bonus NAB Rewards Points
Applies to every $1 spend on eligible purchases for Groceries, Petrol and Public Transport (uncapped).
Learn more about how the NAB Rewards program works and find out how to earn more points.
Benefits of this rewards card
Enjoy complimentary services, discounts, deals and redeem your rewards points to suit you.
Auto redeem for flybuys, Velocity or ALL Accor Reward points
Set up automatic redemption to have your points automatically sent to your flybuys, Velocity or ALL Accor account each month.
Redeem for gift cards
Redeem for gift cards from a range of popular brands including Coles, Woolworths, Bunnings, JB HiFi and more.
Redeem for travel with Webjet
Redeem your points to book airlines and unlock hotel savings using the Points+Pay option.
Transfer for frequent flyer and rewards programs
Transfer your NAB Rewards Points to one of our partner programs – flybuys, Velocity Frequent Flyer, ALL Accor, KrisFlyer, Cathay Membership Programme and Airpoints. Excludes Qantas Frequent Flyer Program.
Visa Premium Access
Discover hundreds of deals, discounts and privileges with Visa Premium Access.
Add another card
Add an additional cardholder at no extra cost.
Concierge service
Your own personal assistant for travel and lifestyle services, 24 hours a day, 7 days a week, with NAB Concierge Service.
Click to Pay
Enjoy a quicker and more secure way to pay online with your NAB Visa card. No need to manually enter your card details every time – simply select Click to Pay at participating online checkouts for a seamless experience.
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Offer
Discover more benefits with your NAB credit card
Enjoy access to a range of special partner offers and benefits so you can save more and enjoy more every day.
Things to consider
We want to help you choose the right card, so here are a few things to consider about this card before you apply.
- 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 our other cards.
- NAB Rewards Points cannot be used to redeem Qantas Points.
Enjoy complimentary insurances
- Purchase protection insurance
- Extended warranty insurance
- Mobile phone insurance
More about credit card insurances
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Eligibility Check you're eligible to apply online
- You're 18 years or older.
- You receive a regular income.
- You’re an Australian resident for tax purposes.
- You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.
- You have an Australian mobile number.
ID requirements for new customers
To apply for this account, you’ll need at least one form of ID so we can verify your identity. However, if possible, please try and provide two forms of ID.
- Australian passport
- Foreign passport
- Australian driver’s licence
- Medicare card (can only be used in conjunction with another form of ID)
You’ll need a smartphone to scan your ID, and to take a selfie for verification.
Read important information for visa categories that are not acceptable.
Applying for a credit card with NAB is easy
Follow these three steps to apply for your new NAB credit card.
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Meet the eligibility criteria
Check that you meet all our eligibility criteria before you start your application.
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Apply online
Complete the online application form and get a response in 60 seconds.
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We’ll be in touch
If conditionally approved, we may still request extra information. Once approved, your card will arrive within five working days, or you can use your digital card immediately.
Where can I transfer my NAB Rewards Points to?
Convert your NAB Rewards Points with any of our airline and reward partner programs.
| Frequent flyer program | NAB Rewards Points transfer rate | Automatic redemption available |
|---|---|---|
| Flybuys | 6,800 NAB Rewards Points = 4,000 Flybuys points | Yes |
| Velocity Frequent Flyer | 6,000 NAB Rewards Points = 2,000 Velocity points | Yes |
| ALL Accor | 6,000 NAB Rewards Points = 500 ALL Accor Reward points | Yes |
| Singapore Airline KrisFlyer Miles | 6,000 NAB Rewards Points = 1,200 Krisflyer miles | No |
| Airpoints | 6,600 NAB Rewards Points = 20 Australian Airports Dollars | No |
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New
Earn Velocity Points
Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.
- Convert 3 NAB Rewards Points into 1 Velocity Point.
- Enjoy hassle-free automatic redemption, which transfers your NAB Rewards Points direct into your Velocity account each month.
To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page.
To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB.
Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time.
View our available Velocity Points offers
NAB Rewards travel and partner options
With NAB Rewards, you’re not limited to travelling with just one airline. Redeem your rewards with a great range of travel partners.
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Travel with Webjet when you redeem your NAB Rewards Points
168,000 NAB Rewards Points will get you $480 with Webjet. Book any seat, on any airline, at any available time. Simply login to the NAB Rewards Store to redeem your points with Webjet directly.
- Mix & Match different domestic and international airlines for their departing and returning flights within the same booking
- Compare airlines and Mix & Match deals
- Book flights, hotels and packages in one transaction
- Flexibility to combine one-way sales fares with any airline
- Lock in your airline price with Webjet’s Booking Price Guarantee
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Flybuys
Redeem for Flybuys points to save money off your shop with Flybuys Dollars or choose from thousands of Flybuys rewards including Flybuys travel.
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Velocity Frequent Flyer
Fly with Virgin Australia, United Airlines, Virgin Atlantic, Singapore Airlines, Etihad Airways, Qatar Airways and more.
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KrisFlyer
Redeem and fly with Singapore Airlines, Scoot, Star Alliance airlines and more.
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Airpoints™
Redeem and fly with Air New Zealand, Air China, Singapore Airlines, United Airlines and more.
Visit Air New Zealand Airpoints
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ALL Accor
Redeem for ALL Accor Reward points on Accor hotel stays. Choose from 5,800 hotels across 45+ brands and 110+ countries.
Visit the NAB Rewards Store to redeem your points
View and redeem your points in three simple steps.
- Log into NAB Internet Banking or the NAB app and go to Cards.
- Select your NAB Rewards card and you'll be able to see your points.
- Select Redeem points and you'll be taken to the NAB Rewards Store.
Remember, your points expire three years after they were earned.
How do I transfer my NAB Rewards Points?
Transfer your points in three easy steps.
- Log into internet banking or your NAB app
- Go to My Cards, select your NAB Rewards Card and click ‘Redeem points’
- Select Travel, and then ‘Airline Partner Programs’
You can also set up automatic redemption with Flybuys or Velocity to have your NAB Rewards Points balance transferred every month into your account. Set this up in your profile on the NAB Rewards Store.
Credit card tools and calculators
Need help finding the right card or want to see how much you could save with our credit cards? We have some handy tools to help.
Help me choose a card
Choose the right credit product with our easy-to-use tool.
Compare credit cards
Use our comparison tool to compare our credit card fees and features.
Understanding credit cards
Here are some handy guides to help you better understand how credit cards work.
How do credit cards work?
A guide to help you decide if a credit card is right for you and how to apply for one if it is.
Make the most of your credit card’s features
Benefit from your credit card – your card’s features might be sitting there unused.
How to avoid paying credit card interest
Learn how interest on your card works, and ways to avoid paying it.
Help and support
We're here to help. Use our guides and support services to better manage your money.
- How to apply for a credit card
- Switch to another credit card
- Manage your credit card
- Financial hardship assistance
- Managing your debts
- View and redeem NAB Rewards Points
Other ways we can help
Use our help guides, FAQs and other support services to help you manage your banking more easily.
Other rewards cards to consider
Still trying to decide on the right rewards card for you? Here are a few more options to consider.
NAB Qantas Rewards Premium Credit Card
Apply today for a rewards card that offers platinum services and an opportunity to earn bonus Qantas Points.
NAB Rewards Travel Credit Card
Apply today to take advantage of earning bonus points and enjoying other great rewards.
NAB Qantas Rewards Signature Card
Apply today to take advantage of earning bonus Qantas Points and enjoying other great rewards.
Get in touch
Visit a NAB branch
Visit your nearest NAB branch to speak to us in person.
Important Information
Terms and Conditions
Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.
Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.
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.
**Interest, fees, charges and earn rates are subject to change.
Credit cards issued by National Australia Bank Limited.
NAB Credit Card Terms and Conditions
NAB Electronic Banking (card based) terms and conditions
NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB)
Snapshot record
- Snapshot ID
- 1104
- Cleaning version
- legacy-page-capture-2026-10-02
- Review completed
- SHA-256
- 24a522b46c5865cd3eb0e0b9bb8ce80b9e57cf133ca9036c391109a7a2ed3474
