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NAB Qantas Rewards Signature Card

Enjoy our highest Qantas Points earn rate, plus platinum services, complimentary insurancesView Disclaimer 1 and 0% p.a. on balance transfers for 12 months with a 3% BT fee.View Disclaimer 2

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Offer

New customers

Up to 60,000 bonus Qantas Points and $200 cashback

40,000 bonus points when you spend $5,000 on everyday purchases within the first 90 days of account openingView Disclaimer 3
20,000 bonus points when you keep your card for over 12 monthsView Disclaimer 3
$200 cashback when you meet minimum spend criteriaView Disclaimer 3
0% balance transfer (BT) rate for 12 months with 3% BT fee. Unpaid BT reverts to variable cash advance rate.View Disclaimer 2
Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Qantas Rewards Credit Card in the last 36 months.View Disclaimer 3
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 below.

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Resume an existing application

Offer

Existing customers

Up to 80,000 bonus Qantas Points and $200 cashback

50,000 bonus points and $200 cashback when you apply for a NAB Qantas Rewards Signature Card, are approved and spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus points when you keep your card for over 12 months.View Disclaimer 4 View Disclaimer 5
Bonus points are not available to customers who currently hold, have held, or are transferring from, any personal NAB Qantas Rewards Credit Card in the last 36 months.View Disclaimer 4
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 below.

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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 rateView Disclaimer 6	22.49% p.a.
Standard balance transfer (BT) rate for 12 months 3% BT fee applies. Unpaid BT reverts to variable cash advance rateView Disclaimer 2We can’t process balance transfers from certain issuers – see our indicative list.View Disclaimer 7	0% p.a.
Interest free days on purchasesView Disclaimer 8	Up to 44
Annual card fee	$449 p.a.
Minimum credit limit	$6,000
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.View Disclaimer 9, View Disclaimer 6	22.99% p.a.

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Frequent Flyer Credit Card 2025 by WeMoney

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How to earn Qantas Points

Make the most of your everyday purchases to earn Qantas Points and redeem them for rewards. Qantas Points are capped at $20,000 per statement period.

0.75 Qantas Point per $1

For the first $3,000 (capped) per statement period.View Disclaimer 10

0.25 Qantas Point per $1

For the next $3,001 to $15,000 (capped) per statement period.View Disclaimer 10

0.5 bonus Qantas Point per $1

For International Spend (uncapped) per statement period.View Disclaimer 11

Join for free

Free Qantas Frequent Flyer membership (a saving of $99.50).View Disclaimer 10

Redeem rewards

You can redeem your rewards for award flights, products, vouchers and more from the Qantas Marketplace.View Disclaimer 10

Bonus Qantas Points

Earn 1 bonus point for every dollar on eligible Qantas services.View Disclaimer 10

Benefits of this Qantas Rewards card

Enjoy complimentary services, discounts and other great benefits with the NAB Qantas Rewards Signature Card.

Complimentary insurances

This covers domestic, interstate and international travel.View Disclaimer 1

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.View Disclaimer 12

Fraud protection

NAB Defence proactively detects fraudulent transactions, so you can enjoy 100% peace of mind with all purchases.

Concierge service

Your own 24 hour, 7 day personal assistant for travel and lifestyle services with NAB Concierge Service.View Disclaimer 13

Emergency assistance

We’re here for you 24 hours a day, 7 days a week over the phone if your credit card is lost or stolen.

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.

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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.

Capped monthly points earn compared to our NAB Rewards cards.
Higher interest rates compared to our NAB Low Rate Card
Higher annual fee compared to our other cards.
Unlike the NAB Rewards Signature Card, this card has international transaction feesView Disclaimer 14

Enjoy complimentary insurancesView Disclaimer 1

Travel insurances

International travel insurance
Domestic travel insurance
Rental vehicle excess insurance in Australia

Purchase insurances

Purchase protection insurance
Extended warranty insurance

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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.

Read important information for visa categories that are not acceptable.View Disclaimer 15

Apply now

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 with another form of ID)

You’ll need a smartphone to scan your ID, and to take a selfie for verification.

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.

Earn Qantas Points when you shop

You can earn Qantas Points by shopping at over 400 brands online through Qantas Shopping. Link your NAB credit card with Card Offers to unlock exclusive offers for bonus points in store and online.View Disclaimer 16

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Shop with Qantas Points

Looking for another way to use your Qantas Points? With more than 20,000 products from over 900 of the world’s leading brands, Qantas Marketplace is a one stop shop for rewarding yourself using your Qantas Points.View Disclaimer 10

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Make the most of travel

Make the most of your Qantas Frequent Flyer Points by taking a holiday. There’s a lot that goes into making a holiday happen, so check out our travel tips and tools for inspiration and guidance.

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Other rewards cards to consider

Still trying to decide on the right 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 Credit Card

Redeem NAB Rewards Points for a wide range in our NAB Rewards Store. Plus, enjoy complimentary insurances and Personal Concierge.

NAB Rewards Travel Credit Card

Apply today to take advantage of earning bonus points and enjoying other great rewards.

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Important Information

Terms and Conditions

Disclaimer 1
Insurances
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB) which allows eligible persons to claim under it as third party beneficiaries.
Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third-party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth).
Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.
If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the insurance information booklet.
The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the NAB Card Insurance Policy Information Booklet effective 15 May 2026 which may be amended from time to time.
For insurable events that occurred prior to 15 May 2026, please refer to the NAB Card Insurance Policy Information Booklet effective 1 July 2025. View current and previous Policy Information Booklets.
Disclaimer 2
Balance transfer 12 month offer rate
After 12 months, any unpaid balance transfers will attract the variable cash advance rate (currently 22.99% p.a. and is subject to change). The one-off balance transfer fee of 3% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest rates are subject to change. While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time. In addition to this acquisition rate, which is available only at card application, other balance transfer offers may be available on your card from time to time. You can find out more information about the ongoing balance transfer rates of your card.
Disclaimer 3
Qantas Rewards Signature Bonus Points Special Offer
Offer commenced 1 October 2026. The 60,000 bonus Qantas Points and $200 cashback offer is only available to members who apply for a new NAB Qantas Rewards Signature Card.
To be eligible for the offer, you must apply for a new personal NAB Qantas Rewards Signature Card before the offer is withdrawn, be approved, and spend $5,000 on everyday purchases within 90 days of opening your account and keep your account open for 12 months. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.
Points will be awarded on a tiered basis - 40,000 bonus Qantas Points will be awarded when you spend $5,000 on eligible purchases in the first 90 days. Bonus Qantas Points will be credited to your Qantas Frequent Flyer Membership Account within three months of meeting the spend criteria. An additional 20,000 bonus Qantas Points will be awarded when you continue to hold your card for 12 months, credited to your Qantas Frequent Flyer Membership Account within the 13th month. Any bonus Qantas Points will be forfeited if your NAB Qantas Rewards Signature Credit Card Account is cancelled or closed before the points appear in your Qantas Frequent Flyer Membership Account.
$200 cashback will be credited to your account within 120 days from account opening if the spend criteria is met. Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.
The cashback will be referenced as a promotional rebate on your credit card statement.
NAB may vary or end this offer at any time. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB card offer.
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. This advertised offer of bonus points is not applicable or valid in conjunction with any other advertised or promotional offer.
Disclaimer 4
Existing Customer Offer – Qantas Rewards Signature Bonus Points Offer
Offer commenced on 1 October 2026.
To be eligible for an existing customer offer, you must apply for an eligible new personal NAB Credit Card via the NAB app or NAB Internet Banking, before the offer is withdrawn. NAB may vary or end this offer at any time.
Offers are not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.
To be eligible for the existing customer 80,000 bonus Qantas Points and $200 cashback offer, you must apply for a new personal NAB Qantas Rewards Signature Card before the offer is withdrawn, be approved, and spend $5,000 on everyday purchases within 90 days of opening your account and keep your card open for over 12 months. NAB may vary or end this offer at any time. Bonus Qantas Points will be credited to your points balance within three months of meeting the spend criteria.
Points will be awarded on a tiered basis - 50,000 bonus Qantas Points will be awarded when you spend $5,000 on eligible purchases in the first 90 days. Bonus Qantas Points will be credited to your points balance within three months of meeting the spend criteria, and 30,000 bonus Qantas Points after 12 months, credited to your points balance within the 13th month.
$200 cashback will be credited to your account within 120 days from account opening if the spend criteria is met. Purchases must be processed and charged to your account in the 90 day period from account opening to count towards the spend criteria.
The cashback will be referenced as a promotional rebate on your credit card statement.
Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. 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.
Disclaimer 5
Existing customer offers
Existing customers can access customer offers by applying for a new NAB Credit Card through the NAB app, Internet Banking or with support from a banker by visiting or booking an appointment with their nearest branch or calling our contact centre while the offers are available. The offers are not available when closing or transferring from another NAB branded credit card account or in conjunction with other NAB credit card offers. The offers may change or end at any time.
Disclaimer 6
Variable interest rates current as at date
Interest rates are current as at today and are subject to change.
Disclaimer 7
Balance transfer indicative list
You’ll need to make sure your BPAY® reference number for your non-NAB card is the same as your non-NAB card number as we use this number to process your balance transfer request. If these numbers are not the same, we won’t be able to process your balance transfer. Please check the numbers match before applying for a new card with a balance transfer or requesting balance transfer on an existing card. Your BPAY reference number can be found on your credit card statement.
We are aware that some card numbers and BPAY reference numbers don’t match for cards from the following issuers:
- Bendigo Bank
- ING
- Latitude Finance
- Great Southern Bank
- Heritage Bank
- Adelaide Bank
- credit unions
- AMEX cards
  Note: this is an indicative list.
Disclaimer 8
These periods run from the start of your statement cycle to your statement’s due date. You will be eligible for interest free days on purchases by paying your account in full or, if your statement indicates an interest free days payment, paying that amount in full by the monthly due date. Explore more details at nab.com.au/btchange.
Disclaimer 9
Cash advances also include other transactions we consider to be the equivalent of withdrawing cash from your account. These include most gambling transactions (such as sports betting, casino games, lottery tickets, online gambling), the purchase of travellers cheques, wire transfers or other similar substitutes for cash (such as crypto-currency).
If you don’t want to allow gambling transactions (including cash advances and cash transfers) on your card, you can disable them in the NAB app.
Disclaimer 10
NAB Qantas Rewards cards - Join and redeem Qantas Points
Points will be allocated on a tiered basis over each statement period. To earn and redeem Qantas Points using your NAB Qantas Rewards Premium Card or NAB Qantas Rewards Signature Card, you must be a member of the Qantas Frequent Flyer program and have provided your valid membership number to NAB. Points are offered in accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions (PDF, 255KB), opens in new window. If you are not already a Qantas Frequent Flyer member, NAB has arranged for the joining fee to be waived if you apply and receive a NAB Qantas Rewards Premium Card or NAB Qantas Rewards Signature Card and join through qantas.com/joinffnab., opens in new window Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com.au/terms., opens in new window
Earn 1 Additional Qantas Point per whole AU$1 on Qantas Spend. ‘Qantas Spend’ means Eligible Transactions made with the following merchants: flights booked directly through qantas.com, opens in new window and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers; purchases from marketplace.qantas.com, opens in new window and wine.qantas.com, opens in new window.
Transactions that don’t earn points include: Cash advances, bank charges, balance transfers, buying foreign exchange or travellers cheques, ATO payments, BPAY payments, transactions where a cardholder uses a card to access linked transaction accounts, and transactions for gambling or gaming purposes.
Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. Visit Classic Flight Rewards, opens in new window for more information.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.
Disclaimer 11
International transactions refer to using your card overseas or, using your account in Australia but the goods or service provider (commonly referred to as a ‘merchant’), financial institution or entity processing the transaction is located outside Australia. You’re unable to get points if you use an intermediary platform such as PayPal or a delivery platform such as Uber Eats for these transactions.
Disclaimer 12
Additional cardholder
Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder. Additional cardholders are not available with the NAB StraightUp Card.
Disclaimer 13
This service is provided by Visa Worldwide Pte Ltd or International SOS (Australasia) Pty Ltd. To access the NAB Concierge Service call 1300 730 213, opens in new window, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions for full details.
Disclaimer 14
International transaction fees
NAB International Transaction Fees do not apply to the NAB Rewards Travel Card. International transactions refer to using your card overseas or using your account in Australia but the goods or service provider, financial institution or entity processing the transaction is located outside Australia. See personal NAB credit card fees and charges for more information.
Disclaimer 15
The following Visa categories are not acceptable: Visitor visa (exception, a Special Category visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal and Bridging.
Disclaimer 16
You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. Individual retailer terms and conditions apply, please check the individual retailer's pages for full terms and conditions. For Qantas Shopping Online Mall and Card Offers refer to the terms and conditions, opens in new window.

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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.

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Any advice on our website has been prepared without considering your objectives, financial situation or needs. Before acting on any advice, consider whether it is appropriate for your circumstances and view the Product Disclosure Statement or Terms and Conditions available online or by contacting us. Credit applications are subject to credit assessment criteria. Interest rates, fees and charges are subject to change. Target Market Determinations for our products are available at nab.com.au/TMD. Products issued by NAB unless stated otherwise.

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Source: http://www.qantas.com.au/terms

Home
Qantas Frequent Flyer
Frequent Flyer Terms and Conditions

Terms and Conditions

Effective 27 August 2026

1. Introduction

1.1 These Terms form the basis of Qantas Frequent Flyer. They are intended to protect both Members and the Qantas Group. It is the Member's responsibility to read and understand them.

1.2 These Terms are effective from the date specified above and may be amended by Qantas from time to time. The current Terms are those available at the Qantas website. Members will be provided with a link to the Terms at the time of joining Qantas Frequent Flyer and material changes to the Terms will be notified to Members in accordance with clause 3.2.

1.3 These Terms form a contract between Qantas Loyalty and the Member. Both Qantas Loyalty and the Member are bound by these Terms.

1.4 If the Member has activated Qantas Travel Money, the applicable PDS will also apply in addition to these Terms.

1.5 From 21 May 2024, Qantas Travel Money was renamed ‘Qantas Pay’. No action is required from you regarding this change. You will still be able to use the Qantas Travel Money facility built into your existing Card until it expires. A new, separate Qantas Pay card will be made available to you before the expiration date.

2. Definitions

2.1 In these Terms unless the context otherwise requires:

'Accepted Payment Card' means one of the credit cards, charge cards or debit cards set out at the Qantas website (excluding any Qantas voucher or credit voucher) which a Member must use to make a payment, Qantas Pay, or such other form of payment as approved by Qantas from time to time;

'Accrual Date' means in relation to Qantas Points earned for a product or service provided by:

(a) Qantas airline, the date that Qantas provided those products and services to the Member;
(b) Qantas Marketplace or Qantas Wine, the date that payment for the product or service is made to Qantas;
(c) a Qantas Shopping Retail Partner, the date that the goods or services were purchased from that partner;
(d) an Airline Partner, the date that the relevant Airline Partner advises Qantas of the Member's Qantas Points accrual; and
(e) a Non-airline Partner (including products or services provided to Members under the Qantas brand, other than Qantas Shopping Retail Partners) the date that the relevant partner advises Qantas of a Member's Qantas Points accrual;

'Active Member' at a point in time, means a Member who has earned or redeemed Qantas Points or earned Status Credits (excluding any transfer of Qantas Points to or from an Eligible Family Member and excluding any transfer of Qantas Points from Qantas Business Rewards) on their Membership Account within the previous consecutive 18 whole month period from that point in time;

'Activity Statement' means a record of the Qantas Points transactions on a Member's Membership Account. See clause 10;

'Airline Earning Tables' means the tables headed as such, which are located at the Qantas website;

'Airline Partner' means an airline (including oneworld® Member Airline) with which a Qantas Group Company has entered into an agreement to provide for Members to earn or redeem Qantas Points for travel on certain of that airline's flights;

'Anniversary Month' is the month during which a Member joined Qantas Frequent Flyer, irrespective of the year;

'Base Rate' means the number of Qantas Points earned by a Member on an Eligible Flight at the applicable 'Base Rate' specified in the Airline Earning Tables, not including any bonus;

'Benefits' means any of the facilities, discounts, services or arrangements offered or available to a Member as a result of participation in Qantas Frequent Flyer including earning and redeeming Qantas Points, Status Credits and Rewards;

'Bid Now Upgrades' means a waitlisted upgrade option described under the Bid Now Upgrades terms and conditions;

'Card' means the Qantas Frequent Flyer Membership card that Qantas may issue to the Member, which may include Qantas Travel Money;

'Classic Flight Reward' means a ticket and reservation for one or more Flights with a Qantas (QF) or a oneworld Member Airline or an Airline Partner (including Jetstar Airlines) flight number, and described by Qantas as a 'Classic Flight Reward', which a Member obtains by redeeming Qantas Points, in accordance with these Terms;

'Classic Plus Flight Reward' means a ticket and reservation for one or more Flights on a Qantas operated and marketed flight with a Qantas (QF) flight number, and described by Qantas as a 'Classic Plus Flight Reward', which a Member obtains by redeeming Qantas Points, in accordance with these Terms;

'Classic Upgrade Reward' or 'Upgrade Reward' means the redemption of Qantas Points for travel in a higher cabin class than the class for the fare tendered, as further described in clauses 17 and 18, and includes On Departure Upgrade Rewards;

'Codeshare Flight' means a flight that has an airline code or number of one airline on the ticket, but which is on an aircraft operated by another airline;

'Combined Flight Reward Booking' means an Itinerary that includes one or more Flight Rewards and one or more flights that are not Flight Rewards;

'Complimentary Gold Membership' means the complimentary Gold Frequent Flyer membership tier awarded to a family member or friend of a Platinum Member in accordance with clause 21.4;

'Complimentary Platinum Membership' means the complimentary Platinum Frequent Flyer membership tier awarded to a family member or friend of a Platinum One Member in accordance with clause 21.5;

'Confirmed Upgrades' means an upgrade option described under the Confirmed Upgrades Terms and Conditions;

'Eligible Family Member' of a Member means any person the Member can demonstrate, to the reasonable satisfaction of Qantas, as being related to that Member in any of the ways described below:

Husband/Wife
Parent/Step-parent
Domestic Partner/De Facto
Child, including foster and step-child
Brother/Sister
Half Brother/Sister
Grandparent
Grandchild
Son/Daughter-in-law
Brother/Sister-in-law
Father/Mother-in-law
Uncle/Aunt
Nephew/Niece
First cousin

'Eligible Flight' has the meaning given in clause 9.3.1;

'Eligible Qantas Pay Member' means a Member who is at least 16 years of age and has an Australian residential address recorded with Qantas Loyalty;

‘Eligible Voucher’ is the electronic voucher or credit acquired by a Member in accordance with clause 12.12, that complies with the definition of a face value voucher as set out in accordance with ATO Public Ruling GSTR 2003/5 or Division 100 of the A New System Tax Act 1999 (Cth);

'Emirates' means Emirates, the international airline operated under the brand 'Emirates' by the Emirates Group of companies;

'E-Ticket' means an itinerary and/or receipt in respect of a booking issued electronically;

'Fare Rules' or 'Rules' means all terms and conditions of a fare, ticket or carriage, however described, which apply in relation to one or more Flights;

'Fee Schedule' means the schedule of fees for Qantas Frequent Flyer services;

'Flight' means one way travel (without a Stopover) on a scheduled air service with a single flight number (even if the travel includes a change of aircraft). If travel includes a change of flight number, each change is a new Flight even if there is no change of aircraft;

'Flight Reward' means a Classic Flight Reward or a Classic Plus Flight Reward, as applicable;

'Flight Segment' means a Segment that has been or is intended to be flown;

'Frequent Flyer Service Centre' means a centre operated by or on behalf of a Qantas Group Company where membership information is processed and/or Qantas Frequent Flyer is administered;

'Green Tier' means a range of rewards and benefits made available to Members that meet the requirements to achieve Green Tier within their Membership Year, as described in clause 24;

'Itinerary' means the detailed record held by Qantas, a oneworld Member Airline or an Airline Partner of a journey or intended journey;

'Jetstar Airlines' means each of Jetstar (JQ) and Jetstar Japan (GK);

'Loyalty Bonus' means the Status Credits awarded under clause 21.7;

'Marketing Carrier' means the airline whose airline code or number (e.g. 'QF' for Qantas) is recorded on the ticket;

'Member' (also referred to as 'you') means a person who is a member of Qantas Frequent Flyer;

'Membership' means membership of Qantas Frequent Flyer;

'Membership Account' means the record of a Member's Membership, which is available to the Member online at the Qantas website;

'Membership Year' commences on the first day of the month following a Member's Anniversary Month and concludes on the last day of the Member's Anniversary Month the following year;

'Minimum Points Guarantee' means the minimum number of Qantas Points earned by a Member on selected Eligible Flights specified as the 'Minimum Points Guarantee' rows in the Airline Earning Tables;

'Non-airline Partner' means an entity, other than an airline, with whom a Qantas Group Company has an agreement allowing Members to earn Qantas Points when acquiring certain goods or services (or as otherwise agreed with that Qantas Group Company) or to redeem Qantas Points for certain goods or services, or both, but does not include Qantas Shopping;

'On Departure Upgrade Reward' is a Classic Upgrade Reward for a Qantas domestic flight redeemed on the day of departure in accordance with clause 18;

'oneworld Classic Flight Reward' has the meaning given to that term in clause 14.4.1; has the meaning given to that term in clause 14.4.1;

'oneworld Member Airline' means any airline that is a member of the oneworld® alliance from time to time (see the Qantas website for the list of oneworld members);

'Operating Carrier' means the carrier operating the aircraft for a Codeshare Flight;

'Partner' means the spouse or partner in a de facto relationship (within the meaning of the Family Law Act 1975 (Cth)), who resides at the same address as the Primary Member;

'PDS' means the Qantas Travel Money Product Disclosure Statement or the Qantas Pay Product Disclosure Statement (as applicable) and terms and conditions which are available at the Qantas Money website for Australian resident Members, as amended from time to time;

'PIN' means the personal identification number used to access your Membership Account and for verification purposes. It is different from any PIN issued or nominated for Qantas Pay;

'Platinum Bonus Reward' means the reward a Platinum One or Platinum member can select from a number of options when they reach 2,400 eligible Status Credits in their Membership Year, under clause 21.4;

‘Points Club Program’ means a range of incentives and benefits made available to Members that earn the specified number of Qantas Points in their Membership Year, as described in clause 23. There are two levels in the Points Club Program, Points Club and Points Club Plus;

'Points Plus Pay' means either redeeming Qantas Points only, or redeeming Qantas Points and the payment of money by Accepted Payment Card, in order to pay for certain products or service offered by the Qantas Group, subject to these Terms;

'Qantas' means Qantas Airways Limited ABN 16 009 661 901;

'Qantas Business Rewards' means the loyalty program described on the Qantas Business Rewards website and known as Qantas Business Rewards. Qantas Business Rewards members will earn Qantas Points to their Qantas Business Rewards account in accordance with the Qantas Business Rewards Terms;

'Qantas Business Rewards Terms' means the terms and conditions of Qantas Business Rewards;

‘Qantas Classic Flight Reward’ means a Classic Flight Reward with a Qantas (QF) flight number;

'Qantas Club' means the airport lounge program of that name;

'Qantas Conditions of Carriage' means the Qantas Conditions of Carriage;

'Qantas Frequent Flyer' means the frequent flyer program operated by a Qantas Group Company;

'Qantas Group' means all the Qantas Group Companies;

'Qantas Group Company' means Qantas or any related body corporate (as that term is defined in the Corporations Act 2001 (Cth)) of Qantas from time to time;

'Qantas Interline Airline' means any airline (other than Qantas) on which Qantas makes Flights available (from time to time);

'Qantas Loyalty' (also referred to as 'we' or 'us') means the Qantas Group Company that is responsible for administering Qantas Frequent Flyer;

'Qantas Marketplace' means the service through which Members may obtain retail goods, services or vouchers (excluding Flight Rewards and Classic Upgrade Rewards) by redeeming Qantas Points, using full cash or by redeeming Qantas Points and paying an amount of money, and paying all identified surcharges, charges, fees, GST and taxes, in accordance with these Terms and the Qantas Marketplace Terms;

'Qantas Marketplace Terms' means the terms and conditions applicable to Retail Rewards and the redemption of Qantas Points to obtain Retail Rewards as set out at the Australia Qantas Marketplace and New Zealand Qantas Marketplace websites, as varied from time to time;

'Qantas Pay' (formerly ‘Qantas Travel Money’) means the multi-currency reloadable prepaid facility for Australian resident Members. Use of the facility is subject to the applicable PDS and the facility is only available to an Eligible Qantas Pay Member;

'Qantas Points' means points awarded to Members of Qantas Frequent Flyer pursuant to these Terms. Unless otherwise expressly specified, do not include Qantas Points that are earned through Qantas Business Rewards by Qantas Business Rewards members;

‘Qantas Shopping’ means the service (referred to as the Qantas Shopping Online Mall, Online Mall, My Card Offers or Card Offers) through which Members may purchase retail goods or services through third party retail partners, by using a linked Australian Mastercard® or Visa® credit or debit card, or by tracking an online purchase with a third party retail partner through the Qantas online mall website, in accordance with these Terms and Conditions and the Qantas Shopping Terms;

‘Qantas Shopping Retail Partner’ means a third party retail partner listed on the Qantas Shopping website from time to time and includes Mastercard in relation to a linked Australian Mastercard or Visa in relation to a linked Australian credit or debit card.

‘Qantas Shopping Terms’ means the terms and conditions applicable to Qantas Shopping as set out at the Qantas Shopping website, as varied from time to time;

'Qantas Travel Money' see Qantas Pay;

'Refundable Proportion' means the notional dollar value of the unused refundable portion of the Flight Reward Segment or Segments of an Itinerary, that is allocated by Qantas Loyalty based on the original fare or commercial ticket value, less any applicable cancellation fee (or refund fee) set out in the applicable Fare Rules;

'Relevant Member' means a Member:

(a) whose Membership commenced for the first time on or after 31 March 2013; and
(b) who has flown on more than eight flight sectors operated by Emirates after the commencement of that Membership;

'Retail Reward' means a good or service or voucher which may be obtained by a Member through Qantas Marketplace in accordance with these Terms and the Qantas Marketplace Terms;

'Reward' means any Qantas, oneworld Member Airline, Airline Partner or Non-airline Partner product or service which has been nominated by Qantas as eligible to be obtained by a Member redeeming Qantas Points through Qantas Frequent Flyer, including a Retail Reward, a Flight Reward or a Classic Upgrade Reward;

'Segment' means the portion of a journey between two consecutive points listed on an Itinerary. Segments may either be Flight Segments or Surface Segments;

‘Statement Date’ for a Qantas Points earning event, means the date on which the Qantas Points are credited to a Member’s Membership Account (as shown on the Member’s Activity Statement). The Statement Date may be the same as the Accrual Date but is generally after that date;

'Status Bonus' means Qantas Points awarded to Members with a particular Membership tier, in addition to the applicable Base Rate, for travel on certain Eligible Flights as detailed in the Status Bonus earn rates tables;

'Status Credits' are credits which are awarded to Members in accordance with clause 21 and which entitle Members to attain a higher Membership tier or retain a current Membership tier;

'Stopover' in relation to:

(a) an Australian domestic Itinerary, means a break of journey at an intermediate point when onward travel does not take place on the same calendar day; and
(b) for all other Itineraries, including those containing a domestic to international connecting flight, means when a passenger arrives at an intermediate point and is not scheduled to depart within 24 hours of arrival;

'Surface Segment' means a Segment where transport details are not recorded in the Flight Reward Itinerary;

'Terms' means these Qantas Frequent Flyer terms and conditions, and includes the Airline Earning Tables and Fee Schedules, as amended from time to time;

'Transfer' in relation to:

(a) an Australian domestic Itinerary, means a break of journey at an intermediate point when onward travel takes place on the same calendar day; and
(b) for all other Itineraries, including those containing a domestic to international connecting flight, means when a passenger arrives at an intermediate point and is scheduled to depart within 24 hours of arrival;

'Trip' means a series of one or more consecutive Flight Segments within an Itinerary:

(a) that does not include:
(i) a Stopover; or
(ii) a Flight Segment whose arrival city is the same as the departure city of any other Flight Segment in that series (in this instance the Trip will be broken at the farthest point from the departure city for that series);
(b) not exceeding the maximum permitted miles in the Qantas, Jetstar or Partner Classic Flight Reward tables as applicable; and
(c) not broken by a change to or from any airline included in the Partner Classic Flight Reward table.

'Unsubscribe Function' means a statement to the effect that a person may use an electronic address set out in a message to send an unsubscribe message, as described in the Spam Act 2003 (Cth).

3. Changes to Qantas Frequent Flyer

3.1 We may make changes (whether material or otherwise) from time to time to Qantas Frequent Flyer, the Terms, the PDS, the Rewards or Benefits offered and the Fee Schedule, including:

(a) changes to:

(i) the ways in which Qantas Points are earned and redeemed;
(ii) Qantas Points earning and redeeming rates and Eligible Flights;
(iii) Flight Reward blackouts or non-bookable periods;
(iv) limitations on the number of Flight Rewards and Classic Upgrade Rewards redeemable on particular flights;
(v) Rewards or Benefits, including the continued availability of Rewards or Benefits;
(vi) Reward restrictions or conditions;
(vii) Status Credit restrictions and conditions;
(viii) Membership tier requirements and Benefits;
(ix) ticketing procedures;
(x) ticketing, service charges and other fees; and
(xi) the expiry of accrued Qantas Points;

(b) changes to the parties included as oneworld Member Airlines, Airline Partners or Non-airline Partners, or the products and services offered by any of those parties on which Qantas Points may be earned;
(c) changes to any oneworld Member Airline, Airline Partner or Non-airline Partner participation including restrictions on earning and/or redeeming Qantas Points, cancellations, Point earning and redemption levels, Rewards or Benefits; and
(d) changes to any Qantas Group Company products, services or flights.

3.2 The changes will be effective from the date specified in the Terms. We will use best efforts to advise Members of material changes to these Terms and where such changes will limit Benefits:

(a) if the Benefit is provided by Qantas, to give Members at least three months notice;
(b) if the Benefit is provided by a third party, where possible, give Members at least 30 days notice.

3.3 We will publish the most recent version of the Terms on the Qantas website. Without limiting this clause 3 in any way, Members will be taken to have received the notice referred to in clause 3.2 if Qantas notifies Members of the change by:

(a) for Members living in Australia or New Zealand, providing notice at the email address provided to Qantas by the Member or, if no valid email address is held by Qantas, by posting the updated Terms on the Qantas website;
(b) for Members living outside Australia or New Zealand, posting the updated Terms on the Qantas website.

3.4 Except as otherwise stated in applicable Fare Rules, if a Reward ceases to be available after it has been booked by a Member, we will (at the Member's option) either refund the Qantas Points redeemed by the Member to obtain the Reward or provide an alternative Reward of similar value.

4. Termination or suspension of Qantas Frequent Flyer

4.1 We give no warranty as to the continuing availability of Qantas Frequent Flyer and may terminate or suspend Qantas Frequent Flyer at any time. We will use reasonable efforts to give at least six months' notice to Members of such termination or suspension, except if Qantas ceases to operate an airline business in which case Qantas Frequent Flyer will cease immediately.

4.2 If we terminate or suspend Qantas Frequent Flyer, Members will be able to redeem Qantas Points during the notice period in accordance with these Terms, except where Qantas is ceasing to operate an airline business and/or has gone into liquidation or other form of administration, in which case we may terminate or cancel any Rewards or Benefits immediately without notice.

5. Membership

5.1 Membership is open only to individuals. Membership is not open to families, groups, companies, trusts, partnerships, other entities, government departments, agencies, animals or inanimate objects. Qantas offers its business customers Qantas Points through Qantas Business Rewards.

5.2 Persons wishing to become Members must apply for Membership and pay any applicable joining or other fees. Membership is offered at our discretion. We have the right to accept or reject any application for Membership. If you are under 18 then you will need the consent of your parent or legal guardian to become a Member and that parent or legal guardian must agree to these Terms on your behalf. If you are still a Member when you turn 18, then you are bound by these Terms.

5.3 Each Member may have only one Membership Account. If you have a passport, your name on your Membership Account should match your name as shown on your passport.

5.4 Successful applicants will be assigned a Membership number and PIN. The PIN, Membership number and Member's surname, along with other confidential information, will be used for security of the Member's Membership information. It is your responsibility to ensure that your PIN and other security information are kept secure.
Note: to ensure your PIN is kept secure, never write it down and, if you change your PIN, avoid choosing obvious numbers like your date of birth or the last four digits of your phone number.

5.5 New Members may, before they use their Membership (including earning or using Qantas Points) and within two weeks of receiving their Membership number, notify us that they no longer wish to be a Member. We will then cancel their Membership and refund any joining or other fees paid for that Membership. Otherwise, Membership is non-refundable and is not transferable.

5.6 A Member's mailing address may be used to determine their eligibility for Benefits, promotions and other offerings.

5.7 Each Member must advise us of any change of name, address, email address or other details as soon as practicable after the change. Changes to the mailing address, PIN or other details may be made on the Qantas Website or by contacting the Frequent Flyer Service Centre. Members must supply their Membership number, PIN and any requested security information when making any such changes. Written proof must be supplied for any change of name and may be required for other changes. We are not responsible for any failure by a Member to notify us of any changes in accordance with this clause, or for any incorrect changes notified to us by the Member.

5.8 Changes to Qantas Pay details including name, address, and contact telephone numbers must be notified and updated separately from the Membership details. Qantas Pay Members must update their personal details relating to Qantas Pay by contacting the Qantas Pay Service Centre on 1300 992 700 within Australia.

5.9 Members may, at any time, cancel their Membership by contacting the Frequent Flyer Service Centre and providing written notice. Cancelling Membership will also terminate Qantas Pay (if activated) and the applicable PDS will apply.
Note: Upon receipt of a written notice under this clause, we will cancel the relevant Membership and all accumulated Qantas Points in that Member's account will immediately expire. Accordingly, we recommend that Members carefully plan all cancellations to avoid unintentional loss of accumulated Qantas Points.

6. Use of the Card, Membership number and Benefits

6.1 By using the Card or Membership number, or claiming any Benefit, you agree to be bound by these Terms and provide the consents specified in clause 25 relating to personal information. Qantas Points may only be earned and/or redeemed in accordance with these Terms. All conditions relating to the Qantas Pay component of the Card are set out in the applicable PDS. All components relating to Qantas Business Rewards are set out in the Qantas Business Rewards Terms.

6.2 We may issue either physical Cards or digital Cards. The Card is and will remain the property of Qantas and physical Cards must be returned on demand. It is not a payment card unless the Qantas Pay facility was activated before 21 May 2024.

6.3 The Card, Membership number and PIN are valid for use only by the Member and are not transferable in any circumstances. If there is a validity period on a Card, the Card may be used only during that validity period. A separate validity period may apply to Qantas Pay.

6.4 We reserve the right at any time to require the Member to produce their Card and to quote their Membership number and PIN in order to earn Qantas Points with Qantas or in connection with any Non-airline Partner, oneworld Member Airline, or Airline Partner, or while booking, ticketing or while the Member is travelling on or claiming or utilising any Qantas Points, Rewards or Benefits.

6.5 You must advise us as soon as possible after you become aware of any unusual activity on your Membership Account, including any loss (including loss of Qantas Points), theft or unauthorised use of a Card or unauthorised use of your Membership number or PIN. You are liable for all activity on your Membership Account, including any missing Points, use of the Card, PIN or Membership number until we are notified of the loss, theft or unauthorised use.

6.6 In addition, in the event of loss, theft, damage or unauthorised use of a Card with Qantas Pay facility enabled, the loss and liability provisions of the PDS will apply.

6.7 A Replacement Card Fee (see the Fee Schedule) will be charged when a replacement Card is requested by a Member and subsequently issued by Qantas. The Replacement Card Fee may be waived under the following circumstances:
(a) a change of name due to marriage, divorce or deed poll - relevant documentation is required;
(b) the Card has an inoperable magnetic strip - the Card must be returned to Qantas Loyalty;
(c) the Card was stolen - police report or reference number is required; or
(d) the Card was sent by Qantas Loyalty but was not received (lost in the mail) - notification must be made within two months of joining or changing Membership tier.

6.8 Despite any other clause in these Terms, Qantas may suspend Benefits for flights to sanctioned countries or otherwise in accordance with global sanctions laws.

7. Member obligations and responsibilities

7.1 You must not:

(a) act in any way which breaches these Terms, or the Qantas Conditions of Carriage;
(b) in relation to Flight Rewards on non-Qantas airlines, act in any way which breaches the applicable airline's conditions of carriage;
(c) abuse or misuse Qantas Frequent Flyer, any Rewards, Benefits, facilities, services or arrangements accorded to the Member as a result of Membership; or
(d) engage in other unacceptable conduct against a Qantas Group Company or any oneworld Member Airline, Airline Partner, Qantas Interline Airline or Non-airline Partner, including by:

(i) engaging in illegal, dishonest or fraudulent activities;
(ii) supplying or attempting to supply false or misleading information, or making false or misleading misrepresentations;
(iii) acting in a hostile, abusive or aggressive way towards any Qantas Group Company staff or the staff of any oneworld Member Airline, Airline Partner, Qantas Interline Airline or Non-airline Partner;
(iv) acting in an unruly manner on board a flight or in any airport lounge;
(v) refusing to follow reasonable instructions from any Qantas Group Company staff or the staff of any oneworld Member Airline, Airline Partner, Qantas Interline Airline or Non-airline Partner; or
(vi) dealing with any Rewards, Benefits or Qantas Points other than in accordance with these Terms, for example, selling, assigning, transferring or acquiring or offering to sell, assign, transfer or acquire any Reward, Benefit or Qantas Points in a way not expressly permitted by these Terms.

Any breach of clause 7.1 will be a material breach of these Terms.

7.2 You are responsible for ensuring that you have sufficient Qantas Points to redeem for any Reward that you request.

7.3 You are responsible for regularly checking your Membership Account and must:

(a) notify us of any omissions, incorrect entries or other discrepancies within twelve months of the applicable flight;
(b) notify us or the applicable partner (as specified by us) of any omissions, incorrect entries or other discrepancies within six months of any other transaction (or such other period specified by the partner).
Note: Some partners may require you to present your Card at the time of transaction and may not accept retrospective claims for Qantas Points. You should check with the individual partner on their requirements.

7.4 We (and each Non-airline Partner, oneworld Member Airline and Airline Partner) may require proof from you, for example proof of flights claimed to have been flown, copies of ticket coupons and/or original boarding passes or copies of receipts or similar documentation, for example, car rental agreement, hotel voucher or hotel bill.

8. Suspension or termination of Membership

8.1 If Qantas Loyalty reasonably suspects that:

(a) there has been fraudulent activity on, or in connection with, a Membership Account; or
(b) a Member has committed a material breach of any of the Terms ; or
(c) a Member has breached any of the Terms on two or more occasions; or
(d) a Member has failed to pay any money due to a Qantas Group Company by the due date, whether intentionally or otherwise,
then Qantas Loyalty may immediately suspend the relevant Membership Account to prevent any further fraudulent activity, breach or misuse. The Membership Account may still accrue Qantas Points, however no Qantas Points can be redeemed during the suspension period. Qantas will notify the Member of the suspension as set out in clause 8.2.

8.2 If Qantas Loyalty suspends a Membership Account under clause 8.1, it will notify the relevant Member of the suspension and the reason for the suspension. If the Member is reasonably suspected to have facilitated or been involved in the specified activity, the Member will then have 14 days to respond to the notice by providing an explanation for the specified activity, rectifying the identified breach (where possible) and providing any reason why Qantas Loyalty should remove the suspension and not take any further action. Qantas Loyalty will review any response provided by the Member and determine, acting reasonably, whether the response is acceptable.

8.3 Qantas Loyalty will advise the Member of the outcome of the process in clause 8.2, which may include Qantas Loyalty;
(a) removing the suspension with no further action; or
(b) acting reasonably taking one or more of the following actions:

(i) reverse or cancel some or all of the Member’s Qantas Points or Status Credits, or both;
(ii) cancel, suspend or refuse to honour any Rewards (including ticketed Flight Rewards), Benefits (including Qantas Club membership, lounge passes or other Benefits) or both, that have been redeemed by or provided to the Member; or
(iii) terminate the Member’s Membership.

8.4 Notwithstanding the process outlined in this clause 8, if Qantas Loyalty reasonably suspects that a Membership Account was fraudulently created, Qantas Loyalty may immediately terminate that Membership Account without prior notice to the purported Member. Upon termination under this clause, the purported Member will be immediately unable to log in, accrue Qantas Points, or access any Rewards or Benefits.

8.5 Executors or administrators of a Member's estate can ask Qantas in writing, to transfer the deceased Member’s unexpired Qantas Points (at the time of the request) to one of that Member’s Eligible Family Members. Qantas may request evidence of the Member’s death, for example the Grant of Probate or Letters of Administration (as applicable), and any other information it finds reasonably necessary to process the request. Requests to transfer a deceased Member’s Qantas Points must be received within 12 months of the date of the Member’s death. The transferred Qantas Points will have the same expiry date as other Qantas Points in the Eligible Family Member’s Membership Account. Qantas will close the deceased Member's Account on notification of their death. Status Credits can’t be transferred and will expire upon the death of the Member.

9. Earning Qantas Points

9.1 General

9.1.1 To earn Qantas Points, Members must quote their name and Membership number, and may be required to produce their Card when acquiring, taking or utilising eligible Qantas, oneworld Member Airline, Airline Partner or Non-airline Partner products or services.

9.1.2 A Member may earn Qantas Points only in relation to:
(a) Eligible Flights flown after the Member's joining date and up to 30 days prior to that date;
(b) eligible transactions (acquisition of goods or other activities or transactions) entered into after the Member's joining date; and
(c) eligible purchases made using Qantas Pay.

Except as provided elsewhere in these Terms, or as otherwise specified by Qantas Loyalty, Qantas Points may be credited only to the account of the Member who has acquired the eligible goods or services, entered into an eligible transaction or flown on an Eligible Flight.

9.1.3 Qantas Points will not be awarded in relation to any products or services that are cancelled, refunded or returned. We may cancel or deduct any Qantas Points that have been awarded in relation to cancelled, refunded or returned products or services.

9.1.4 Members who earn points in another airline, hotel or car rental loyalty programs will not receive Qantas Points for the same flight, hotel stay, car rental or other transaction unless otherwise specified on the Qantas website. Such Members must nominate prior to travel, stay or rental the loyalty program in which they wish to earn points. Qantas Points cannot be transferred between programs conducted by Qantas Loyalty and those conducted by other parties, unless otherwise specified on the Qantas website.

9.1.5 A member of a oneworld Member Airline or Airline Partner loyalty program will not earn that airline’s points or status credits on any Qantas domestic flight if that airline permits its points or status credits to be earned directly or indirectly on any non-Qantas Group flight on the same domestic route (where that domestic flight does not form part of a Qantas marketed international itinerary).

9.1.6 Qantas Business Rewards members will earn Qantas Points to their Qantas Business Rewards account in accordance with the Qantas Business Rewards Terms. Any transfers of Qantas Points earned by a Qantas Business Rewards member to an individual Member's Membership Account will not count as earning activity for the purpose of preventing Qantas Points from expiring.

9.2 Qantas Points validity

9.2.1 Except as otherwise provided in these Terms, Qantas Points will not expire as long as the Member remains an Active Member.

9.2.2 All Qantas Points held in a Membership Account will expire at midnight Sydney, Australia time at the end of the 18th consecutive month for which the Member has not earned Qantas Points or Status Credits or redeemed Qantas Points (excluding any transfer of Qantas Points to or from an Eligible Family Member and excluding any transfer of Qantas Points from Qantas Business Rewards).

For this purpose, Qantas Points earned in relation to Eligible Flights are deemed to be earned on the date the Eligible Flight was flown. If a Non-airline Partner ceases, or materially alters, its participation in Qantas Frequent Flyer then Qantas Points earned in relation to that Partner's products and services are deemed to have been earned on or prior to, the date that the Partner ceased or materially altered its participation in Qantas Frequent Flyer.

9.2.3 In the 60 days prior to the Qantas Points expiration date, Qantas Loyalty will notify Members of the number of Qantas Points that are about to expire, and the expiration date. Notice may be provided as follows:
(a) online Activity Statements displaying a warning to the Member; and
(b) Members who have opted to receive communications online and via email, will receive a notification within their monthly electronic newsletter.

9.2.4 Qantas Points cannot be re-credited once they have expired.

9.2.5 Qantas Loyalty reserves the right to, acting reasonably, reverse or cancel any Qantas Points credited to a Member incorrectly, or not in accordance with, or in breach of, the Terms at any time.

9.3 Earning Qantas Points for air travel

9.3.1 Subject to the exclusions in clause 9.4, Qantas Points may be earned for paid air travel including when using Points Plus Pay, but excluding any Flight Rewards, on regular scheduled flights where the Qantas flight number or the flight number of the applicable oneworld Member Airline or Airline Partner is shown on the Itinerary ('Eligible Flight').

9.3.2 Qantas Points may be earned for each Flight Segment travelled on Eligible Flights by a Member. The number of Qantas Points earned is either:
(a) specified in the Airline Earning Tables; or
(b) calculated using the shortest distance on the surface of the globe between the origin and destination of the Flight Segment, regardless of any intermediate stops.|
Note: Where eligible, Qantas Points and Status Credits will be earned only for the class of travel originally purchased or redeemed, rather than the upgraded class of travel.

9.3.3 The Minimum Points Guarantee applies only to the Eligible Flight Segments specified as eligible for Qantas Points earn in the Airline Earning Tables. Subject to the exclusions in clause 9.4, if the number of Qantas Points otherwise earned on those flights after the application of any applicable bonus would be less than the applicable Minimum Points Guarantee specified in the Minimum Points Guarantee Table(s), the Member will earn the Minimum Points Guarantee specified in the Minimum Points Guarantee Table(s).

9.4 Qantas Points are not earned on all flights

9.4.1 For the purposes of earning Qantas Points, Status Credits and the Minimum Points Guarantee, Eligible Flights exclude Codeshare Flights where the Operating Carrier is Qantas, a oneworld Member Airline or an Airline Partner aircraft, and where another airline's flight number is entered on the ticket, unless that flight has been specified by Qantas Loyalty as an Eligible Flight.

9.4.2 It is your responsibility to check whether a proposed booking is eligible to earn Qantas Points, Status Credits or the Minimum Points Guarantee and, if so, how many Points or Status Credits will be earned. Qantas Points, Status Credits and the Minimum Points Guarantee, are not earned for travel on:

(a) flights or booking classes that are not listed in or are excluded in the Airline Earning Tables;
(b) infant fares (infant fares do not include infants travelling in their own paid seat);
(c) charter flights;
(d) freighter flights;
(e) free tickets;
(f) Flight Rewards;
(g) travel industry rebated tickets;
(h) competition prize tickets;
(i) transport other than air transport unless specified by Qantas;
(j) tickets acquired at an auction; or
(k) tickets which are restricted from earning Qantas Points or are subject to any specific provisions excluding the accumulation of Qantas Points.

9.5 Status Bonus

9.5.1 A Status Bonus will be applied at the applicable rate specified for Silver, Gold, Platinum and Platinum One Members for those Eligible Flights to which a Status Bonus is expressed to apply. For this purpose, the Member's tier is determined at the time the Eligible Flight was flown. Status Bonuses do not apply to Flight Rewards.

9.5.2 Applicable bonuses are added to the applicable Base Rate for the flight flown.

9.6 Earning Qantas Points for hotel stays (offered by hotel partners)

9.6.1 Qantas Points in relation to goods and services of hotel Non-airline Partners are earned in accordance with the rates and terms and conditions determined by the hotel and are subject to change. Members should check the applicable rates, terms and conditions with the relevant hotel before purchasing any such products or services. View the list of hotel Non-airline Partners.

9.6.2 Qantas Points may be earned only by the Member whose name appears on the invoice for the hotel stay and by only one Member per hotel stay. Qantas Points cannot be split between two or more Members occupying the same room.

9.6.3 Qantas Points are awarded for hotel stays purchased at rates deemed eligible by the hotel. Unless otherwise specified by the hotel, Qantas Points will not be earned for stays of the following types:

(a) stays purchased as part of package holidays;
(b) free hotel stays;
(c) stays at industry discount rates;
(d) stays at group rates or other special promotional rates; or
(e) stays using Reward vouchers or discount certificates.

9.6.4 For hotel stays where Qantas Points are earned on the basis of the amount spent, unless otherwise specified by the hotel on the Qantas website, Qantas Points are earned on the total amount for accommodation, meals, beverages, phone and laundry charged to the room account.

9.6.5 For hotel stays where Qantas Points are earned on a per stay basis, unless otherwise specified by the hotel on the Qantas website, consecutive nights at the same hotel will be considered as one stay, regardless of the number of check-ins.

9.6.6 This clause 9.6 does not apply to Qantas Points earned at hotels offered by Qantas Loyalty, as opposed to offers made by the hotel partner. Additional terms and conditions for earning Qantas Points offered by Qantas Loyalty for booking selected hotels on the Qantas website apply and are available on that site.

9.7 Earning Qantas Points for car rentals

9.7.1 Qantas Points in relation to goods and services of car rental partners are earned in accordance with the rates and terms and conditions determined by the car rental company and are subject to change. Members should check the applicable rates, terms and conditions with the relevant car rental company before purchasing any such products or services.

9.7.2 Qantas Points may be earned only by the Member whose name appears on the invoice for the car rental and by only one Member per car rental. Qantas Points cannot be split between two or more Members participating in the same car rental.

9.7.3 Qantas Points are awarded for car rentals purchased at rates deemed eligible by the car rental company on the Qantas website. Unless otherwise specified by the car rental company, Qantas Points will not be earned for car rentals of the type described below:

(a) car rentals purchased as part of package holidays;
(b) free car rentals;
(c) car rentals at industry discount rates;
(d) car rentals at group rates or other special promotional rates; or
(e) car rentals using Reward vouchers or discount certificates.

9.7.4 If Qantas Points are earned on the basis of the amount spent, only charges relating to time and distance usage will accrue Qantas Points. Qantas Points will not be earned in relation to taxes (including GST) or for charges for insurance, petrol, use of car phones and other miscellaneous charges.

9.7.5 If Qantas Points are earned on a per rental basis, consecutive daily rentals within the same city are considered as one rental.

9.8 Other ways to earn Qantas Points or receive Benefits

9.8.1 The Qantas Group has arrangements with some other Non-airline Partners in relation to the awarding of Qantas Points to Members. Such arrangements may change from time to time and may include the awarding of Qantas Points for participation in loyalty schemes or promotions, as purchasing incentives and as performance incentives. The Qantas Group may, from time to time, participate in other such arrangements or approve other ways in which Members may earn Qantas Points or be eligible for Rewards or Benefits (and additional terms and conditions applicable to earning those Qantas Points, Rewards or Benefits will be made available by the applicable partner and/or at or through the Qantas website).

9.8.2 Qantas Points may also be earned in the Qantas Business Rewards Program subject to the Qantas Business Rewards Terms.

10. Activity Statements

10.1 Members may access their Membership Account information and view their Activity Statements without charge.

10.2 Members may request statements in hard copy form from the Frequent Flyer Service Centre. A Statement Request Fee (see the Fee Schedule) applies.

11. Family transfers

11.1 A Member may transfer Qantas Points to an Eligible Family Member on the following basis:

(a) the Member transferring the Qantas Points to an Eligible Family Member must have been a Member for a minimum of three months before making a transfer;
(b) the Eligible Family Member receiving the Qantas Points must be a Member before the transfer is made;
(c) the Member transferring the Qantas Points must specify the name and Membership number of, and nature of their relationship with, the Eligible Family Member receiving the Qantas Points, note that we may require proof of the relationship;
(d) a transfer must be for at least 1,500 Qantas Points, and must be in whole numbers of Qantas Points;
(e) once Qantas Points have been transferred, the transfer cannot be reversed or cancelled by either the Member transferring the Qantas Points or the recipient;
(f) we are not responsible for any incorrect transfers and will not refund any Qantas Points incorrectly or mistakenly transferred, unless we caused the error; and
(g) family transfers do not count as earning for the purposes of the Points Club Program, or activity for the purpose of preventing Qantas Points from expiring.

11.2 All transfers of Qantas Points to an Eligible Family Member which are completed by telephone will incur a Reward Assistance Fee (see Fee Schedule), unless otherwise specified by Qantas.

11.3 Members must not require or receive any consideration (in the form of a payment or otherwise) for any transfer to an Eligible Family Member.

11.4 Members should note that such a transfer may have tax implications. Members are advised to check with their accountant or tax adviser for further information.

11.5 Family transfers may be made at the Qantas website, or by such other method advised by Qantas Loyalty from time to time.

12. Redeeming Qantas Points for Rewards

12.1 Reward availability is limited.

12.2 In addition to the Qantas Points required for a Reward, Members must pay any other amounts quoted at the time of booking (including applicable taxes, fees and carrier charges) and any applicable Reward Assistance Fees.

12.3 If you make a change to a Reward, then you will need to pay:(a) any additional Qantas Points or money required for the new Reward booking;
(b) a Change Fee;
(c) any additional applicable taxes, fees and carrier charges; and
(d) where applicable, a Service Fee.

12.4 Rewards may be subject to personal income or other tax assessment. Members are advised to check with their accountant or tax adviser for further information.

12.5 Members may assign Rewards that they obtain through Qantas Frequent Flyer to their Eligible Family Member subject to any terms and conditions applicable to the Reward. However, there may be tax implications on such a transfer.

12.6 The number of Qantas Points that must be redeemed in relation to a particular Reward or booking are determined by Qantas Loyalty. We may require a minimum number of Qantas Points be redeemed when using Points Plus Pay. We do not give any warranty or make any representation in relation to the underlying value of any Rewards.

12.7 Members must have at least the number of Qantas Points required to redeem the chosen Reward in their account at the time the booking or redemption is processed. Any payment of a money amount required to obtain a Reward must be paid using an Accepted Payment Card at the time of booking or redemption.

12.8 We may charge a fee for use of certain Accepted Payment Cards.

12.9 Any credit or refund made to a Member under these Terms will be made:(a) in Qantas Points to the extent that the Member redeemed Qantas Points to obtain the Reward; and
(b) in money refunded to the Member's Accepted Payment Card to the extent that the Member paid money to obtain the Reward, less any applicable fee.

12.10 Qantas Points cannot be converted to or exchanged for money.

12.11 Qantas Loyalty may make (or may arrange for third parties to make) other Rewards available for redemption through Qantas Frequent Flyer for a specified period. Details and any additional terms and conditions applicable to those other Rewards will be provided by the applicable Reward supplier and/or at or through the Qantas website.12.12 Qantas Points may be redeemed to reduce the amount payable, in full or in part, for a Reward. The redemption of Qantas Points may be: (a) treated as a discount to the purchase price of the Reward; or
(b) for the supply of an Eligible Voucher which is then immediately applied towards the payment for the relevant Reward, as determined by Qantas Loyalty and the relevant partner (if applicable).

12.13 The terms and conditions applicable to a Reward redemption will be those in force at the time the Qantas Points are redeemed for that Reward.

13. Redeeming Qantas Points for Flight Rewards

13.1 General

13.1.1 This clause 13 applies to all Flight Rewards. Further provisions specific to Classic Flight Rewards and Classic Plus Flight Rewards are set out in clauses 14 and 15 respectively.

13.1.2 All Flight Rewards are governed by and subject to the Fare Rules applicable to that Flight Reward and these Terms at the time of booking and can be viewed at the Qantas website. To the extent of any inconsistency, these Terms prevail over the Fare Rules (except as to the liability for airline travel which is governed by the applicable Fare Rules).

13.1.3 Flight Rewards must not be bought, sold, assigned, transferred or acquired other than in accordance with these Terms and the applicable Fare Rules. Qantas, acting reasonably, may cancel, confiscate or refuse to honour any Flight Reward obtained or dealt with by the Member contrary to these Terms or the Fare Rules and, if travel has commenced, any continued travel will be at the passenger's expense.

13.1.4 Flight Rewards are available only to Members and their Eligible Family Members. Members will be required to provide Membership details prior to obtaining a Flight Reward. Eligible Family Members may use the Flight Reward whether the Member travels with them or not. A Flight Reward issued for an Eligible Family Member must be redeemed in the name of the Eligible Family Member as shown on their passport or any other identification acceptable to Qantas Loyalty. We may require proof of the relationship.

13.1.5 Despite any other provision of these Terms, all travel is subject to the applicable carrier's Conditions of Carriage.

13.2 Booking Flight Rewards

13.2.1 The number of Qantas Points required to redeem a Flight Reward, and the Fare Rules applicable to that Flight Reward, may be different depending on the type of Flight Reward chosen. It is recommended that Members consider the Fare Rules for each Flight Reward type before making a booking.

13.2.2 Bookings for Flight Rewards will not be considered accepted until the required Qantas Points have been redeemed and any required payment has been made by Accepted Payment Card (including authorisation by the merchant bank or other form of payment administrator).

13.2.3 A Flight Reward Itinerary must contain no more than 16 Segments (including any Surface Segments).

13.2.4 Open-dated Flight Segments are not permitted in Flight Reward Itineraries. A Flight Reward booking must be a confirmed booking and may not be waitlisted.

13.2.5 If the Member is 15 years of age or younger, reservations must be made on their behalf by their parent or legal guardian. Note: restrictions and conditions apply to unaccompanied minors for all Flight Rewards and different airlines apply different restrictions, conditions and definitions of what constitutes an 'unaccompanied minor'.

13.3 Ticketing of Flight Rewards

13.3.1 All Flight Reward bookings must be ticketed by E-Ticket.

13.3.2 Qantas Loyalty will arrange for the E-Ticket receipt to be sent to the email address in the redeeming Member's Membership Account. You can request that the E-Ticket also be sent to an alternative email address entered on the passenger page at the time of booking.

13.3.3 A Flight Reward cannot be changed into a different type of Flight Reward, for example, a Classic Flight Reward cannot be changed into a Classic Plus Flight Reward or vice versa. A Flight Reward cannot be changed into a non-Flight Reward or vice versa.

13.3.4 Flight Reward tickets will be valid for one year from the original ticketed departure date and all travel must be completed within 12 months of first departure, unless otherwise specified.

13.3.5 Where a Flight Reward refund is permitted and requested in accordance with these Terms, the applicable amount will be refunded to the Member who redeemed their Qantas Points for the original Flight Reward booking. Where a booking is subsequently split into one or more bookings, this clause still applies, and that Member retains the ability to cancel all Flight Rewards which formed part of the original Flight Reward booking.

14. Classic Flight Rewards

14.1 Classic Flight Rewards

14.1.1 Classic Flight Rewards are subject to airline inventory management and availability is limited. Qantas, oneworld Member Airlines and Airline Partners (including Jetstar Airlines) set the number of Classic Flight Reward seats available to Members at their absolute discretion. The number of Classic Flight Reward seats available will depend on the flight, date, season, destination and commercial demand. Some flights may not have any Classic Flight Reward seats available.

14.1.2 From time to time, Classic Flight Reward blackouts may apply on particular flights operated by Qantas, oneworld Member Airlines and Airline Partners (including Jetstar Airlines). Contact us for information on specific Classic Flight Reward blackouts.

14.1.3 The number of Qantas Points required to redeem a Classic Flight Reward is published in the Classic Flight Reward tables and is subject to change in accordance with clause 3.

14.2 Booking Classic Flight Rewards

14.2.1 Classic Flight Rewards booked on the Qantas website may be booked between 353 days and up to:(a) two hours (domestic flights); and
(b) four hours (international flights), before the scheduled departure time.

Bookings made outside of the Qantas website may be booked between 353 days and 24 hours before departure unless otherwise stated.

Note that different minimum booking times may apply for some departure points or Airline Partner flights.

14.2.2 Classic Flight Rewards may be booked without incurring a booking fee online at the Qantas Website. Classic Flight Reward bookings made or completed by telephone will incur a Reward Assistance Fee, per passenger (see the Fee Schedule).

14.2.3 In addition to the Qantas Points required for a Classic Flight Reward, Members must pay (or, where offered, redeem Qantas Points for) all amounts quoted at the time of booking and any applicable Reward Assistance Fees.

14.2.4 For children aged two years or older, the full number of Qantas Points required to redeem a Classic Flight Reward will apply.

14.2.5 Infants under two years, and not occupying a seat, travel without the need to redeem Qantas Points as long as the accompanying adult is travelling on a Classic Flight Reward. There is a limit of one infant per adult travelling on a Classic Flight Reward. Taxes, fees and carrier charges (including GST) may be payable in relation to infants as specified by us at the time a Member books a Classic Flight Reward.

14.2.6 A Classic Flight Reward Itinerary must contain no more than one departure from the city or country of first departure on that Itinerary.

14.2.7 Classic Flight Rewards are not available on Codeshare Flights unless otherwise specified on the Qantas website. Classic Flight Rewards must be booked using the airline code (e.g. QF for Qantas) of the Operating Carrier unless otherwise specified.

14.2.8 Not all routes and cabin classes of Airline Partners and oneworld Member Airlines are available for Classic Flight Rewards. Exclusions and limitations may change from time to time. We do not guarantee the continued availability of any particular route or cabin class for Classic Flight Rewards.

14.3 Booking Classic Flight Rewards with Qantas and Airline Partners

14.3.1 The Qantas Points required for a Classic Flight Reward Itinerary will be calculated as a one way Trip or series of one way Trips and will be the sum of the Qantas Points required for each Trip in that Itinerary.

14.3.2 Any Trip using the Qantas, Jetstar or Partner Classic Flight Reward tables (see the Qantas website for the tables) must be no more than a distance of 24,135 kilometres (15,000 miles). Longer journeys must be broken into separate Trips.

14.3.3 Where mixed-class travel is booked on a Trip, the Qantas Points required for that Trip will be calculated using the lowest quoted Qantas Points level of either:

(a) the Qantas Points level for the highest class of travel flown on that Trip; or
(b) the sum of Qantas Points, breaking the Trip into multiple Trips wherever the class of travel changes between sectors within a Trip.

14.4 Booking oneworld Classic Flight Rewards

14.4.1 A oneworld Classic Flight Reward is a Classic Flight Reward Itinerary that includes travel on at least two oneworld Member Airlines other than Qantas and does not include any travel on any airline that is not a oneworld Member Airline.

14.4.2 Classic Flight Rewards using the oneworld Classic Flight Reward table must be no more than a distance of 56,315 kilometres (35,000 miles). Longer journeys must be broken into separate Itineraries.

14.4.3 A one way oneworld Classic Flight Reward Itinerary will be charged as a return Itinerary. Itineraries finishing in a port other than the port of origin must include the distance to return directly to the port of origin when calculating the number of Qantas Points required to redeem the Flight Reward and the maximum distance for the Itinerary.

14.4.4 The following Stopover conditions apply to oneworld Classic Flight Rewards:

(a) up to five free Stopovers are permitted;
(b) more than five Stopovers are not permitted;
(c) only one Stopover is permitted in any one city in the Itinerary; and
(d) only two Transfers may be taken at any one city in the Itinerary.

14.4.5 Surface Segments are permitted as part of oneworld Classic Flight Reward Itineraries, but the distance between the disembarkation point and the next embarkation point will be included in the Reward Point zone calculation for that Itinerary.

14.4.6 Where mixed-class travel is booked in a oneworld Classic Flight Reward, the whole Itinerary will be calculated using the Qantas Points level for the highest class booked.

14.5 Changes to your Classic Flight Rewards (excluding those forming part of a Combined Flight Reward Booking)

14.5.1 Changes to Classic Flight Rewards are only permitted in accordance with this clause 14.5. Any permitted changes are subject to Classic Flight Reward availability.

14.5.2 If an Itinerary includes one or more Qantas Classic Flight Reward Segment(s) and one or more Classic Plus Flight Reward Segment(s), and you change:(a) one or more Qantas Classic Reward Segment(s) and one or more Classic Plus Reward Segment(s); or
(b) only the Classic Plus Flight Reward Segments, then any changes in the booking to those Segments may only be made in accordance with the conditions in clause 15.2.

14.5.3 If an Itinerary includes one or more Qantas or Airline Partner Classic Flight Reward Segment(s) and one or more Classic Plus Flight Reward Segment(s), and you change:

(a) both the Airline Partner Classic Flight Reward Segment and the Classic Plus Flight Reward Segment(s); or
(b) only the Classic Flight Reward Segment(s); or
(c) only the Classic Plus Flight Reward Segment, then any changes in the booking to those Segment(s) may only be made in accordance with the conditions in clause 14.7.

14.5.4 If an Itinerary includes Classic Flight Reward Segment(s) and non-Flight Reward Segment(s), then any changes to any Classic Flight Reward Segment(s) in the combined booking may only be made in accordance with the conditions in clause 14.8.

14.5.5 Classic Flight Rewards may be changed prior to ticketing without incurring a Change Fee, however, any changes will be subject to this clause 14.5 and to the advance purchase and validity provisions in clauses 13.3.4 and 14.2.1. Once ticketed a Change Fee per passenger will apply (see the Fee Schedule).

14.5.6 No changes will be permitted on the Qantas website to any Classic Flight Reward within 24 hours before departure of each Flight Segment on the Itinerary.

14.5.7 Any change made by telephone will incur a Service Fee per passenger (see the Fee Schedule) in addition to any applicable Change Fee.

14.5.8 Changes that incur a Change Fee (see the Fee Schedule) can be made only by the Member who originally redeemed Qantas Points for that Reward and only if that Member has sufficient Qantas Points to cover the applicable fees.

14.5.9 No changes requiring ticket reissue will be allowed to any international Classic Flight Reward within 24 hours of departure from the point of origin of the first Flight Segment on the Itinerary.

Changes after ticketing and up to 24 hours prior to commencement of any travel on your Itinerary

14.5.10 Subject to this clause 14.5, the following changes are permitted and a Change Fee per passenger will apply (see the Fee Schedule):

(a) change to flight number;
(b) change to date of travel;
(c) change to class of travel;
(d) change to any Segment routing or airline; and
(e) change to name (only for Flights with a Qantas (QF) flight number on the ticket that are operated by Qantas).

Changes to a wholly domestic Australian Itinerary after commencement of travel and up to 24 hours prior to commencement of any subsequent Flight Segment

14.5.11 Subject to this clause 14.5, the following changes are permitted and a Change Fee per passenger will apply (see the Fee Schedule):

Changes within 24 hours of departure of a Flight Segment

14.5.12 The following changes are permitted to Qantas Flight Segments. A Change Fee will apply (see the Fee Schedule):

(a) change to flight number; and
(b) change to date of travel.

14.5.13 Changes to Airline Partner Flight Segments are only permitted up to 24 hours prior to the commencement of any travel on the Itinerary.

14.6 Cancellation and Refunds of Classic Flight Rewards (excluding those forming part of a Combined Flight Reward Booking)

Note: This clause 14.6 also applies to:

(a) Classic Plus Flights Rewards; and
(b) an Itinerary containing a Classic Flight Reward and a Classic Plus Flight Reward.

14.6.1 Clause 14.6 is subject to the Qantas Conditions of Carriage and the Australian Consumer Law. You may be entitled to a refund or other remedy under the Australian Consumer Law depending on the circumstances. If so, no fee (in cash or Qantas Points) will apply to that refund or other remedy.

14.6.2 Tickets issued for travel on Qantas, oneworld Member Airlines or Airline Partners (including Jetstar Airlines) may be submitted for refund and re-credit prior to commencement of any travel on the Itinerary. A Cancellation Refund Fee (see the Fee Schedule) will apply.

14.6.3 Once any travel has commenced on a Classic Flight Reward, the Reward is considered used, even if the remaining travel is not completed. Qantas Points will not be re-credited to the Member's account for unused ticket coupons.

14.6.4 If a Classic Flight Reward is cancelled by the airline and reasonable alternative travel cannot be arranged, as determined by Qantas acting reasonably, Qantas will waive the Cancellation Refund Fee on the Reward submitted for refund and will re-credit the applicable number of Qantas Points.

14.6.5 If a Member fails to board a Flight Segment (no show) of an Itinerary containing only Classic Flight Reward Segments, then the no show segment will be forfeited and the remaining Segments (if any) will be cancelled. Any cancelled Segments will only be reinstated if Classic Flight Reward seats are available. If any Segments are reinstated, the Reinstatement Fee will apply (see the Fee Schedule). In addition, the Qantas Points required for the entire Itinerary including no show, travelled and reinstated Segments will be recalculated and any additional Qantas Points required will be deducted from the Member's account.

14.7 Changes to Classic Flight Reward Itineraries which include a Classic Plus Flight Reward

14.7.1 Changes to Flight Rewards are only permitted in accordance with this clause 14.7. Any permitted changes are subject to Flight Reward availability.

14.7.2 Flight Rewards may be changed prior to ticketing without incurring a Change Fee, however, any changes will be subject to this clause 14.7 and to the advance purchase and validity provisions in clauses 13.3.4 and 15.1.2. Once ticketed a Change Fee per passenger will apply (see the Fee Schedule).

14.7.3 Any change made by telephone will incur a Service Fee per passenger (see the Fee Schedule) in addition to any applicable Change Fee.

14.7.4 Changes that incur a Change Fee (see the Fee Schedule) can be made only by the Member who originally redeemed Qantas Points for that Reward and only if that Member has sufficient Qantas Points to cover the applicable fees.

14.7.5 You can only change the Classic Flight Reward Segment to another Classic Flight Reward Segment and a Classic Plus Flight Reward Segment to another Classic Plus Flight Reward Segment of the same or higher fare. Any fare difference between the fare for your new booking and the original fare must be paid in money. In addition, a Change Fee (see the Fee Schedule) per passenger will apply.

14.7.6 No changes requiring ticket reissue will be allowed to any international Classic Flight Reward Segment within 24 hours before departure from the point of origin of the first Flight Segment on the Itinerary.

Changes after ticketing and up to 24 hours prior to the commencement of any travel on your Itinerary

14.7.7 Subject to this clause 14.7, the following changes are permitted and a Change Fee per passenger will apply (see the Fee Schedule):

Changes after commencement of travel and up to 24 hours prior to commencement of a subsequent Flight Segment

14.7.8 Subject to this clause 14.7, the following changes are permitted to Qantas Flight Segments and a Change Fee per passenger will apply (see the Fee Schedule):

Changes within 24 hours of departure of a Classic Flight Reward Segment

14.7.9 The following changes are permitted to Qantas Flight Segments. A Change Fee will apply (see the Fee Schedule):

(a) change to flight number; and
(b) change to date of travel.

14.7.10 Changes to Airline Partner Flight Segments are only permitted up to 24 hours prior to the commencement of any travel on the Itinerary.

14.8 Changes to Combined Flight Reward Bookings which include a Classic Flight Reward

14.8.1 If you change a Reward Segment then the most restrictive Fare Rules of any Segment in the Itinerary, that are not Reward Segments (“Commercial Fare”), will apply. Any additional payments associated with changes to any Classic Flight Reward Segment(s) of such bookings (other than for refunds) must be paid with money.

14.9 Cancellation and Refunds of Combined Flight Reward Bookings which include a Classic Flight Reward

14.9.1 Clause 14.9 is subject to the Qantas Conditions of Carriage and the Australian Consumer Law. You may be entitled to a refund or other remedy under the Australian Consumer Law depending on the circumstances. If so, no fee (in cash or Qantas Points) will apply to that refund or other remedy.

14.9.2 The most restrictive Fare Rules of any Segment(s), that are not Flight Reward(s), apply to any cancellations and/or refunds of any part of the Itinerary, together with the following provisions:

(a) If a refund is requested:
(i) prior to travel commencing; and
(ii) the money paid to obtain the Classic Flight Reward Segment(s) is equal to or greater than the cancellation fee (or refund fee) specified in the applicable Fare Rules,
then the refund of the Classic Flight Reward Segment(s) will be made by re-crediting Qantas Points redeemed to the Member's account and refunding any money paid to the Member's Accepted Payment Card, less any applicable cancellation fee (or refund fee) set out in the applicable Fare Rules.

(b) If a refund is requested:
(i) prior to travel commencing; and
(ii) the money paid to obtain the Classic Flight Reward Segment(s) is less than the cancellation fee (or refund fee) specified in the applicable Fare Rules,
then the refund of the applicable Segment(s) will be made by re-crediting only the Refundable Proportion of Points redeemed to the Member's account and refunding only the Refundable Proportion of the money paid to the Member's Accepted Payment Card.

(c) If a refund is requested:
(i) prior to travel commencing when combined with a non-refundable fare; or
(ii) after travel has commenced,
then the refund of the Classic Flight Reward Segment(s) will be made by re-crediting only the Refundable Proportion of Qantas Points redeemed to the Member's account and refunding only the Refundable Proportion of the money paid to the Member's Accepted Payment Card. A Cancellation Refund Fee (see the Fee Schedule) will apply and fee will be collected in Points.(d) For bookings made on or after 8 April 2024. Not all fares are refundable – refer to the applicable fare rules. Where refunds are permitted, they must be taken as a refund and not as a flight credit.

14.9.3 For bookings made up to 7 April 2024, unless stated otherwise in these Terms, if:

(a) a Classic Flight Reward Segment or Segments of a Combined Classic Flight Reward Booking is cancelled; and
(b) the applicable Fare Rules provide that the original fare may be used as a credit towards the payment of a new fare; and
(c) the original fare or commercial ticket value (as referred to in the applicable Fare Rules) is required for this purpose,
then the original fare or commercial ticket value of the Classic Flight Reward Segment(s) will be calculated as the remaining dollar value of the unused ticket determined in accordance with the Fare Rules.

15. Classic Plus Flight Rewards

15.1 Booking Classic Plus Flight Rewards

15.1.1 Classic Plus Flight Rewards are subject to airline inventory management. Qantas may set the number of Classic Plus Flight Reward seats available to Members at its absolute discretion. The number of Classic Plus Flight Reward seats available will depend on the flight, date, season, destination and commercial demand. Some flights may not have any Classic Plus Flight Reward seats available.

15.1.2 Classic Plus Flight Rewards are only available on flights with a Qantas (QF) flight number that is operated by Qantas within Australia or to Qantas international destinations as one way or return Itineraries. Classic Plus Flight Rewards when booked as a return itinerary must return to the origin city and are not available on Codeshare Flights unless otherwise specified on the Qantas website.

15.1.3 Classic Plus Flight Rewards may only be booked on the Qantas website between 353 days and up to:

a) two hours (domestic flights); and
b) four hours (international flights), before the flight’s scheduled departure.

15.1.4 The number of Qantas Points required to redeem a Classic Plus Flight Reward including children (aged two years or older) and infants (under two years) will be quoted on the Qantas website at the time of booking. The Qantas Points quoted will be based on the lowest Commercial Fare available at the time of booking. There is no fixed relationship between the Commercial Fare and the Qantas Points required.

15.1.5 In addition to the Qantas Points required for a Classic Plus Flight Reward, Members must pay (or, where offered, redeem Qantas Points for) all amounts quoted at the time of booking.

15.1.6 A Classic Plus Flight Reward Itinerary must contain no more than one departure from the city or country of first departure on that Itinerary.

15.2 Changes to your Classic Plus Flight Rewards (excluding those forming part of a Combined Flight Reward Booking)

15.2.1 Changes to Classic Plus Flight Rewards are only permitted in accordance with this clause 15.2. Any permitted changes are subject to Classic Plus Flight Reward availability.

15.2.2 If an Itinerary includes one or more Classic Plus Flight Reward Segment(s) and one or more non-Reward Segments(s), then any changes to any Classic Plus Flight Reward Segment(s) in the Itinerary may only be made in accordance with the conditions in clause 15.4.

15.2.3 Classic Plus Flight Rewards may be changed prior to ticketing without incurring a Change Fee, however, any changes will be subject to this clause 15.2 and to the advance purchase and validity provisions in clauses 13.3.4 and 15.1.2. Once ticketed a Change Fee per passenger will apply (see the Fee Schedule).

15.2.4 Any change made by telephone will incur a Service Fee per passenger (see the Fee Schedule) in addition to any applicable Change Fee.

15.2.5 Changes that incur a Change Fee (see the Fee Schedule) can be made only by the Member who originally redeemed Qantas Points for that Reward and only if that Member has sufficient Qantas Points to cover the applicable fees.

15.2.6 No changes will be permitted to a Flight Segment in an Itinerary within 24 hours before departure of that Segment.

15.2.7 You can only change a Classic Flight Reward Segment to another Classic Flight Reward Segment and a Classic Plus Flight Reward Segment to another Classic Plus Flight Reward Segment of the same or higher fare. Any fare difference between the fare for your new booking and the original fare must be paid in money. In addition, a Change Fee (see the Fee Schedule) per passenger will apply.

After ticketing and up to 24 hours prior to commencement of any travel on your Itinerary

15.2.8 Subject to this clause 15.2, the following changes are permitted and a Change Fee per passenger will apply (see the Fee Schedule):

After commencement of travel and up to 24 hours prior to commencement of any subsequent Flight Segment

15.2.9 Subject to this clause 15.2, the following changes are permitted and a Change Fee per passenger will apply (see the Fee Schedule):

(a) change to flight number;
(b) change to date of travel;
(c) change to class of travel; and
(d) change to a direct or indirect Segment routing without a Stopover (provided that the origin city, the destination city, and the airline remain unchanged).15.2.10 Changes to Classic Plus Flight Segments are only permitted up to 24 hours prior to the commencement of any travel on that Segment.

15.3 Cancellation and Refunds of Classic Plus Flight Rewards (excluding those forming part of a Combined Flight Reward Booking)

15.3.1 Refer to clause 14.6 for rules relating to cancellations and refunds of your Classic Plus Flight Reward.

15.4 Changes to Combined Flight Reward Bookings which include a Classic Plus Flight Reward

15.4.1 If you change both a Reward Segment and non-Reward Segment, the most restrictive Fare Rules of any Segment, that are not Reward Segments (“Commercial Fare”), will apply. Any additional payments associated with changes to such bookings (other than for refunds) must be paid with money.

15.4.2 If you change only a Reward Segment then the Classic Plus Flight Reward rules in clause 15.2 will apply

15.5 Cancellation and Refunds for Combined Flight Reward Bookings which include a Classic Plus Flight Reward

15.5.1 Clause 15.5 is subject to the Qantas Conditions of Carriage and the Australian Consumer Law. You may be entitled to a refund or other remedy under the Australian Consumer Law depending on the circumstances. If so, no fee (in cash or Qantas Points) will apply to that refund or other remedy.

15.5.2 The most restrictive Fare Rules of any Segment(s), that are not Flight Reward(s), apply to any cancellations and/or refunds of any part of the Itinerary, together with the following provisions:

(a) If a refund is requested:
(i) prior to travel commencing; and
(ii) the money paid to obtain the Classic Plus Flight Reward Segment(s) is equal to or greater than the cancellation fee (or refund fee) specified in the applicable Fare Rules,
then the refund of the Classic Plus Flight Reward Segment(s) will be made by re-crediting Qantas Points redeemed to the Member's account and refunding any money paid to the Member's Accepted Payment Card, less any applicable cancellation fee (or refund fee) set out in the applicable Fare Rules.

(b) If a refund is requested:
(i) prior to travel commencing; and
(ii) the money paid to obtain the Classic Plus Flight Reward Segment(s) is less than the cancellation fee (or refund fee) specified in the applicable Fare Rules,
then the refund of the Classic Plus Flight Reward Segment(s) will be made by re-crediting only the Refundable Proportion of Points redeemed to the Member's account and refunding only the Refundable Proportion of the money paid to the Member's Accepted Payment Card.

(c) If a refund is requested:
(i) prior to travel commencing when combined with a non-refundable fare; or
(ii) after travel has commenced,
then the refund of the Classic Plus Flight Reward Segment(s) will be made by re-crediting only the Refundable Proportion of Qantas Points redeemed to the Member's account and refunding only the Refundable Proportion of the money paid to the Member's Accepted Payment Card. A Cancellation Refund Fee (see the Fee Schedule) will apply and fee will be collected in Points.(d) Not all fares are refundable – refer to the applicable Fare Rules. Where refunds are permitted, they must be taken as a refund and not as a flight credit.

16. Using Points Plus Pay for flights

16.1 Points Plus Pay

16.1.1 The number of Qantas Points required to book a flight using Points Plus Pay and the applicable fare rules will vary depending on the flight, date, season, destination and commercial demand.

16.1.2 There is no fixed relationship between the cash price charged by the applicable airline for a seat and the Qantas Points required to book using Points Plus Pay. Not all Qantas and Jetstar special promotional fares can be booked using Points Plus Pay. Fare Rules for flights booked using Points Plus Pay are different to the Fare Rules applicable to cash fares.

16.2 Booking flights with Points Plus Pay

16.2.1 Points Plus Pay may only be used for flight bookings made at the Qantas website or at the Jetstar website.

16.2.2 Notwithstanding anything else in these Terms, the number of Qantas Points and the amount of any money required when using Points Plus Pay are subject to change and are only valid at the time quoted. The applicable Fare Rules will also be advised at the time that the Member makes a booking.

16.2.3 The Member will be required to pay any local airport fees and charges collected at the time of check-in including any fees and applicable GST.

16.2.4 When making a booking using Points Plus Pay on the Jetstar website, the proportion of Qantas Points and money paid will be apportioned at the discretion of Jetstar to fare, taxes, fees, carrier charges and any other products or services that make up the booking. If a booking is delayed or not completed when quoted, the number of Qantas Points and amount of money quoted for the requested Itinerary may change.

16.3 Changes to your Points Plus Pay flight booking

16.3.1 Changes may only be made to a Points Plus Pay booking in accordance with the applicable Fare Rules and these Terms. Any payments associated with changes to a booking (other than for refunds) must be paid with money. For the purposes of calculating any such payments, the original fare or commercial ticket value (as referred to in the Fare Rules) will be calculated as the remaining dollar value of the unused ticket (or booking in the case of Points Plus Pay booking made on the Jetstar website) determined in accordance with the Fare Rules.

16.4 Cancellation and Refunds of your Points Plus Pay flight booking

16.4.1 Clause 16.4 is subject to the Qantas Conditions of Carriage and the Australian Consumer Law. You may be entitled to a refund or other remedy under the Australian Consumer Law depending on the circumstances. If so, no fee (in cash or Qantas Points) will apply to that refund or other remedy.

16.4.2 A refund will only be made in accordance with the applicable Fare Rules and these Terms, and the following provisions:

(a) If a refund is requested:
(i) prior to travel commencing; and
(ii) the money paid towards the Points Plus Pay booking is equal to or greater than the cancellation fee (or refund fee) specified in the Fare Rules; and
(iii) the original booking was not made on the Jetstar website,
then the refund will be made by re-crediting Qantas Points redeemed to the Member's account and refunding any money paid to the Member's Accepted Payment Card, less any applicable cancellation fee (or refund fee) set out in the Fare Rules or these Terms.

(b) If a refund is requested:
(i) prior to travel commencing; and
(ii) the money paid towards the Points Plus Pay booking is less than the cancellation fee (or refund fee) specified in the Fare Rules; and
(iii) the original booking was not made on the Jetstar website,
then the refund of the booking will be made by re-crediting only the Refundable Proportion of Qantas Points redeemed to the Member's account and refunding only the Refundable Proportion of the money paid to the Member's Accepted Payment Card.

(c) If a refund is requested:
(i) after travel has commenced; and
(ii) the original booking was not made on the Jetstar website,
then the refund will be made by re-crediting only the Refundable Proportion of Qantas Points redeemed to the Member's account and refunding only the Refundable Proportion of the money paid to the Member's Accepted Payment Card.

(d) If a refund is requested:
(i) prior to any travel commencing; and
(ii) the original booking was made on the Jetstar website; and
(iii) the money paid towards the Points Plus Pay booking is equal to or greater than the cancellation fee (or refund fee) specified in the Fare Rules,
then the refund of the booking or any other product or service that makes up part of the booking will be made by re-crediting Qantas Points redeemed to the Member's account and refunding any money paid to the Member's Accepted Payment Card, less any applicable cancellation fee (or refund fee) set out in the Fare Rules.

(e) If a refund is requested:
(i) before or after travel has commenced; and
(ii) the original booking was made at on the Jetstar website; and
(iii) the money paid to obtain the Points Plus Pay booking is less than the cancellation fee (or refund fee) specified in the Fare Rules,
then the refund of the booking or any other product or service purchased as part of the booking will be made by re-crediting only the Refundable Proportion of Qantas Points redeemed to the Member’s account and refunding only the Refundable Proportion of the money paid to the Member’s Accepted Payment Card.

(f) Requests for refunds may only be made via telephone to the Qantas or Jetstar Contact Centre as applicable.

16.4.3 Unless stated otherwise in these Terms, if:

(a) a Points Plus Pay booking is cancelled; and
(b) the applicable Fare Rules provide that the original fare may be used as a credit towards the payment of a new fare; and
(c) the original fare or commercial ticket value (as referred to in the Fare Rules) is required for this purpose,
then the original fare or commercial ticket value of the booking will be calculated as the remaining dollar value of the unused ticket (or booking, if booked on the Jetstar website) determined in accordance with the Fare Rules.

17. Classic Upgrade Rewards

17.1 General

17.1.1 Classic Upgrade Rewards may be available by redeeming Qantas Points at the rates displayed in the Classic Upgrade Reward tables. Classic Upgrade Rewards are a waitlisted upgrade subject to capacity controls and availability is limited.

17.1.2 Members must have sufficient Qantas Points for the requested Classic Upgrade Reward both at the time they request the upgrade and when the Reward is confirmed. Qantas Points will be deducted from a Member's account at the time the Classic Upgrade Reward is confirmed.

17.1.3 Classic Upgrade Rewards may be requested on:

(a) eligible airfares paid and confirmed tickets; and
(b) on Classic Plus Rewards; and
(c) on Economy and Premium Economy Classic Flight Rewards when:
(i) a service is operated by Qantas, with a Qantas (QF) flight number on the ticket; and
(ii) from time to time on Codeshare Flights that have a Qantas (QF) flight number on the ticket,
in accordance with these Terms.

17.1.4 Classic Upgrade Rewards are not available when travelling on:

(a) Business Class International Classic Flight Rewards;
(b) Discounted Qantas International airfares, booked in E, N, O and Q class (collectively referred to as Discount Economy);
(c) a flight segment that has already been upgraded, including by purchasing a Confirmed Upgrade and Bid Now Upgrade;
(d) Codeshare Flights that have a Qantas (QF) flight number on the ticket, unless otherwise made available by Qantas Loyalty from time to time.

17.1.5 If a Classic Upgrade Reward is requested on two or more individual Segments shown on a ticket, the Qantas Points required will be quoted separately for each Segment.

17.1.6 The following conditions apply to the use of Classic Upgrade Rewards:(a) Classic Upgrade Rewards cannot be used in conjunction with an open dated ticket, fares ineligible to earn Qantas Points, a travel industry reduced fare ticket, a prize ticket or any other promotional offer;
(b) Classic Upgrade Rewards can only be requested on the Segments listed on the Itinerary for which the Member has been issued an E-ticket;
(c) Classic Upgrade Rewards may only be used to obtain an upgrade as follows:(i) Premium Economy (where available) from Economy

Discount Economy, Economy, Flexible Economy to Premium Economy;
Flight Reward Economy to Premium Economy;

(ii) Business Class (where available) from Economy

Discount Economy, Economy, Flexible Economy to Business class;
Flight Reward Economy to Business class;

Note: at the time of registration for a Classic Upgrade Reward to Business, Members may also register a request for a Classic Upgrade Reward to Premium Economy (where available). This request will be considered if the Classic Upgrade Reward to Business class is unsuccessful;

(iii) Business Class (where available) from Premium Economy

Discount Premium Economy, Premium Economy, Flexible Premium Economy to Business class;
Flight Reward Premium Economy to Business class;

(iv) First Class (where available) from Business Class

Discount Business, Business or Flexible Business to First class;
Classic Plus Flight Reward Business to First;

It is not possible to upgrade to First class other than from Discount Business, Business, Flexible Business or Classic Plus Flight Rewards Business;

Note:(d) Where eligible, Qantas Points and Status Credits will be earned only for the class of travel originally purchased or redeemed, rather than the upgraded class of travel;

(e) the Fare Rules applicable to the fare originally purchased or redeemed will apply, irrespective of upgraded class of travel; and

(f) special meals may not be available in the upgraded class of travel.

17.1.7 Members who have registered a request for a Classic Upgrade Reward will be advised if they are successful either via an SMS message, via Manage Your Booking or when they check in for their flight.

17.1.8 If the Member cancels or changes a Flight Segment before a Classic Upgrade Reward is confirmed for that segment, the Classic Upgrade Reward request will be cancelled and a new Classic Upgrade Reward request must be made.

17.1.9 If the Member cancels a confirmed Classic Upgrade Reward within 24 hours of scheduled departure, or fails to board a flight for which a Classic Upgrade Reward has been confirmed (no-show), the Member will forfeit the Reward and any Qantas Points used to redeem the Reward, and a seat may no longer be available in the class of travel originally purchased or redeemed. If the Member cancels a confirmed Classic Upgrade Reward more than 24 hours before scheduled departure, the Classic Upgrade Reward will be refunded and will incur a Refund of Unused Classic Upgrade Reward Fee (see the Fee Schedule).

17.1.10 A Member may cancel a request for a Classic Upgrade Reward at any time prior to the time at which Qantas confirms the Reward without forfeiture of Qantas Points.

17.1.11 If there are multiple people travelling in a booking and all passengers are Eligible Family Members, any online request for a Classic Upgrade Reward will apply to each passenger. If a booking includes passengers other than Eligible Family Members, a passenger will need to contact Qantas to split the booking and then the Member will be able to request a Classic Upgrade Reward.

17.1.12 Additional terms and conditions applicable to Classic Upgrade Rewards are set out at the Qantas website at the time of making the request and must be accepted.

17.2 Classic Upgrade Rewards - for travel only within Australia (on flights QF400 and above and travel on domestic legs of flights QF1-299, QF341-380 and QF390-399)

17.2.1 Classic Upgrade Rewards can be requested for a specific flight and date between 353 days and 5 hours prior to scheduled departure of the flight. The awarding of Classic Upgrade Rewards is subject to availability at the time of request. If a Classic Upgrade Reward is available at the time of request, it will be confirmed immediately and Qantas Points will be deducted from the Member's account.

17.2.2 If a Classic Upgrade Reward is not available at the time of request, then the Member will be given the option to register for a Classic Upgrade Reward should one become available in the future on the Member's booked flight. Qantas Loyalty will determine which registered requests for Classic Upgrade Rewards will be awarded, if any, within 90 days of the scheduled flight departure, depending on several factors determined by Qantas, acting reasonably, including the original booked cabin and the Member's Membership tier.

17.2.3 Classic Upgrade Rewards will be confirmed and awarded before other waitlisted upgrade products including, but not limited to, Bid Now Upgrades.

17.2.4 If a Classic Upgrade Reward is requested for an Itinerary that includes an international leg and a domestic leg with the same Qantas (QF) flight number, this will be treated as an international Classic Upgrade Reward. Provisions specific to international Classic Upgrade Rewards are set out in clause 17.3.

17.3 Classic Upgrade Rewards - for international travel (on flights QF1-299, QF341-380 and QF390-399)

17.3.1 Classic Upgrade Rewards can be requested for a specific flight and date by phoning Qantas or, if the Member holds an E-Ticket, at the Qantas website, between 353 days and 10 hours before scheduled departure from the first port of the flight. The awarding of Classic Upgrade Rewards is subject to availability. Requests for Classic Upgrade Rewards will not be accepted within 10 hours of scheduled departure from the port of origin.

17.3.2 Qantas Loyalty will determine which requests for Classic Upgrade Rewards will be awarded, if any, at any time within seven days of the scheduled departure of the flight from its port of origin, depending on several factors determined by Qantas, acting reasonably, including the original booked cabin and the Member's Membership tier.

17.3.3 Classic Upgrade Rewards will be confirmed and awarded before other waitlisted upgrade products including, but not limited to, Bid Now Upgrades.

17.3.4 At the time of the international Classic Upgrade Reward request, if the Member is travelling by themselves, the Member will be given the option to be considered for an upgrade at the airport (if the Classic Upgrade Reward is not confirmed beforehand). Additional terms and conditions applicable to international Classic Upgrade Rewards at the airport will be displayed at the time of making the Classic Upgrade Reward request and must be accepted prior to making any such request.

17.3.5 When passengers are travelling together but have separate bookings, the awarding of the Classic Upgrade Reward is processed for each booking separately. Qantas and Qantas Loyalty cannot guarantee that both requests will be awarded.

17.3.6 Once a Classic Upgrade Reward has been awarded, the passenger will lose their previous seat allocation, and a seat may no longer be available in the original class if they wish to cancel their Classic Upgrade Reward.

17.3.7 If a Classic Upgrade Reward is requested for an Itinerary that includes an international leg and a domestic leg with the same Qantas (QF) flight number, this will be treated as an international Classic Upgrade Reward.

18. Domestic On Departure Upgrade Rewards

18.1 On Departure Upgrade Rewards may be available by redeeming Qantas Points at the rates and on the terms and conditions published at the Qantas website and in this clause 18. Qantas Points will be deducted from a Member's account at the time that a request is successfully processed.

18.2 On Departure Upgrade Rewards must be requested via the Qantas App and are eligible only to Members who have membership access to domestic Australian Qantas Club lounges. Passengers who require mobility assistance or are requesting an upgrade for an unaccompanied minor may request an upgrade at Australian domestic Qantas Club lounges or domestic Business lounges. They are not available from airport lounges operated by third parties or from QantasLink lounges.

18.3 On Departure Upgrade Rewards may be requested only for a one-cabin class upgrade from:

(i) Discount Economy, Economy, Flexible Economy to Business class;
(ii) Flight Reward Economy to Business class;

on Qantas Australian domestic services (QF400 and above). On Departure Upgrade Rewards are not available on the domestic legs of Qantas operated international services (QF1-299 and QF350-389).

18.4 On Departure Upgrade Rewards may only be requested from three hours before scheduled departure until boarding commences.

18.5 The provision of On Departure Upgrade Rewards is subject to availability in the applicable booking class and airport operational requirements. Special meals may not be available in the upgraded class. Qantas Loyalty may occasionally have to restrict this facility without prior notice on some routes or under special circumstances (for example where there is an unexpected disruption to services resulting in heavy demands on Qantas Club personnel).

18.6 Once confirmed and processed, any Qantas Points redeemed for an On Departure Upgrade Reward will not be re-credited or refunded for any reason, except where the Qantas Points are incorrectly redeemed as a result of an error by Qantas or Qantas Loyalty.

19. Vouchers

19.1 Vouchers are available as Rewards in Australia or New Zealand by redeeming Qantas Points at the levels set out at the Australian Qantas Marketplace or New Zealand Qantas Marketplace websites for other products and services as determined by Qantas Loyalty. A voucher is valid from the date of issue and for the period specified on the voucher.

19.2 Requests for vouchers may be made via the applicable Qantas Marketplace websites or by phone.

19.3 A voucher cannot be exchanged for money or replaced if lost, stolen, damaged or destroyed, and is issued subject to the conditions on the voucher.

19.4 A voucher covers only the services described on it. Other items, such as meals, laundry or telephone charges for hotels and petrol or insurance for car rentals that are not specified on the voucher, must be paid for by the user.

20. Top-up Points

20.1 If Members do not have sufficient Qantas Points to redeem a particular Reward, they may purchase additional Qantas Points towards that Reward at the rates specified by Qantas Loyalty, subject to the following:

(a) the purchased Qantas Points may only be credited to that Member's account;
(b) the Qantas Points may be purchased only to redeem a specific Reward;
(c) each purchase must be for a minimum of 1,000 Qantas Points and a maximum of 150,000 Qantas Points, and in such blocks of Qantas Points as Qantas Loyalty may specify;
(d) each Member may purchase additional Qantas Points four times in a rolling 12-month period;
(e) once Points have been purchased, they cannot be refunded; and
(f) Members cannot purchase Top-up Points online within 30 days of joining the Qantas Frequent Flyer program.

20.2 The purchase of additional Qantas Points does not guarantee the availability of the Reward.

20.3 All purchases of Qantas Points which are completed by telephone will incur a Reward Assistance Fee (see Fee Schedule), unless otherwise specified by Qantas.

20.4 Qantas Points do not have a monetary value and cannot be converted to money. They cannot be sold, transferred or exchanged other than in accordance with these Terms. The prices for additional Qantas Points do not represent a monetary value for Qantas Points.

21. Membership tiers, Status Credits and Benefits

21.1 Membership tiers

21.1.1 There are five Membership tiers in Qantas Frequent Flyer. The entry tier is Bronze. Members may progress to the higher tiers - Silver, Gold, Platinum and Platinum One - by earning Status Credits.

21.1.2 The number of Status Credits required to attain and retain Silver, Gold, Platinum and Platinum One tiers are published at the status page.

21.1.3 In addition to earning the required Status Credits, Members must satisfy the following flying criteria ineach Membership Year to attain or retain Silver, Gold, Platinum and Platinum One status:

Members must fly a minimum of four Flight Segments where:

(a) Qantas, QantasLink or a Jetstar Airline is the Marketing Carrier; and
(b) travel on each of those flights earns Qantas Points or Status Credits or both.

21.1.4 Membership tiers are valid for a minimum of one year. For example, if a Member has a Membership Year ending 31 December 2025 and that Member qualifies for a higher Membership tier in June 2025, that Member will remain entitled to the applicable higher tier Benefits until 31 December 2026.

21.1.5 Qantas Loyalty may offer additional Benefits from time to time based on Membership tier. Details of any such Benefits and any additional terms and conditions applicable will be provided on the Qantas website.

21.1.6 Complimentary Qantas Club lounge access is provided for the period a Member maintains Gold, Platinum and Platinum One tier and is subject to the Lounge Entry terms and conditions.

21.1.7 Unless otherwise specified by Qantas, Membership tiers, Status Credits and Points Club Program levels do not apply to Qantas Business Rewards Membership Accounts.

21.2 Status Credits

21.2.1 Status Credits can be earned for flying, including when Points Plus Pay is used (but excluding Flight Rewards other than for Members in the Points Club Program at the time of the flight), on certain regular scheduled flights and fares of Qantas, oneworld Member Airlines, Fiji Airways, Jetstar Airlines, QantasLink, and any other airlines as determined by Qantas from time to time. Refer to the Airline Earning Tables. Status Credits earned from flying will be credited to Members' accounts and effective to the ticketed flight departure date.

21.2.2 Status Credits are not earned for flights on:

(a) certain oneworld Member Airlines and Airline Partner fare types and routes not listed in or that are excluded in the Airline Earning Tables (see the Airline Earning Tables for details);
(b) infant fares (infant fares do not include infants travelling in their own paid seat);
(c) charter flights;
(d) freighter flights;
(e) free tickets;
(f) Flight Rewards (other than for Members in the Points Club Program at time of the flight);
(g) travel industry rebated tickets;
(h) competition prize tickets;
(i) tickets acquired at an auction; or
(j) tickets which are restricted from earning Status Credits or are subject to any specific provisions excluding the accumulation of Status Credits.

Clauses 21.2.3 to 21.2.6 apply from 8 December 2026 onwards:

21.2.3 Members may earn Status Credits through eligible Qantas Points-earning activities on the ground in the following categories:

Credit cards
Banking and home loans
Insurance
Car
Home utilities
Hotels and accommodation
Holidays and experiences
Everyday shopping
Retail and lifestyle
Sustainability

A Member will earn the applicable number of Status Credits for a category once per Membership Year upon reaching the Qantas Points threshold specified by Qantas for that category. A Member may earn Status Credits across multiple categories. The maximum number of Status Credits a Member can earn through eligible on the ground activities in a Membership Year is 140, provided the Member qualifies for Status Credits in every category.

21.2.4 All eligible Qantas Points activity completed by the Member during their current Membership Year as at 8 December 2026 will be eligible to earn Status Credits under clause 21.2.3.

21.2.5 Qantas will automatically roll over a portion of a Member’s excess Status Credits into the next Membership Year as follows:

(a) For Silver Members: 25% of excess Status Credits earned above 300
(b) For Gold Members: 50% of excess Status Credits earned above 700
(c) For Platinum Members: 50% of excess Status Credits earned above 1,400
(d) For Platinum One Members: 50% of excess Status Credits earned above 3,600

The maximum number of Status Credits that can be rolled over for any Member is 500.

21.2.6 Any Status Credits rolled over into the next Membership Year will count towards the number of Status Credits required for that Member to attain the next Membership tier or retain their current Membership tier,however,Status Credits rolled over under clause 21.2.5 do not contribute towards:

(a) Loyalty Bonus, Platinum Bonus Reward or Platinum One Bonus Reward;
(b) Lifetime Status or Status Accelerators; or
(c) for Platinum One Members, the minimum 2,700 Status Credits required from flights with a Qantas (QF) flight number.

21.3 Lifetime recognition

21.3.1 Lifetime recognition may be awarded to Members who achieve certain specified cumulative Status Credit levels.

For Members who joined Qantas Frequent Flyer prior to 1 September 1998, their cumulative Status Credit total will include all tier credits or Status Credits earned from 1 September 1998.

For Members who joined Qantas Frequent Flyer after 1 September 1998, their cumulative Status Credit total will date from their date of joining.

21.4 Platinum Bonus Reward

21.4.1 A Platinum or Platinum One Member may be offered the opportunity to choose one of a selection of Benefits (as determined and offered by Qantas Loyalty) when the Member first reaches 2,400 Status Credits earned from flights with a Qantas (QF) flight number (including partner airline flights with a Qantas (QF) flight number) or on flights with a Jetstar Airlines (JQ and GK) flight number (including partner airline flights with a Jetstar Airlines flight number) within a single Membership Year. Status Credits earned from other partner airlines, non-flying offers and from Status Credit bonus earn promotions and Loyalty Bonus do not contribute towards the Platinum Bonus Reward. Details of any such Benefit or selection and any additional terms and conditions applicable are provided at Platinum Bonus Reward. Any offer made under this clause will expire 90 days after the date the Platinum Bonus Reward is achieved. Retrospective claims cannot be made once the offer has expired.

21.4.2 A Platinum or Platinum One Member may be offered Complimentary Gold Membership on the following conditions:

(a) Each Member may have only one nominated family member or friend per Membership Year. Retention of Complimentary Gold Membership in subsequent Membership Years will require the Member to accrue 2,400 Status Credits earned from flights with a Qantas (QF) flight number (including partner airline flights with a Qantas (QF) flight number) or on flights with a Jetstar Airlines (JQ and GK) flight number (including partner airline flights with a Jetstar Airlines flight number) within a single Membership Year and select the Complimentary Gold Membership option in each subsequent Membership Year. The Complimentary Gold Membership Year will be calculated as 12 months from the date of the nomination by the primary Platinum or Platinum One Member extended to the Frequent Flyer Membership expiry date of the Gold Member;
(b) If the family member or friend is not nominated for Complimentary Gold Membership (or the Member does not qualify for the Benefit under clause 21.4.1) in the subsequent Membership Year, then the Complimentary Gold Member will be subject to normal Gold tier qualifying criteria;
(c) Once a Member has nominated a Complimentary Gold Membership to a family member or friend, an alternative cannot be chosen within that Membership Year.

21.4.3 When Members choose to receive Qantas Points as their Platinum Bonus Reward, those points will not count towards attaining or retaining Points Club or Points Club Plus, or unlocking the Points Club Milestone Bonus Reward.

21.5 Platinum One additional Benefits

21.5.1 A Platinum One Member may be offered the opportunity to nominate a family member or friend to receive Complimentary Platinum Membership on the following conditions:

(a) Platinum One Members who have more than one month remaining on their existing Membership Year (and who have not already nominated a family member or friend in the existing Membership Year), can nominate a family member or friend to receive Platinum Membership. Platinum One Members may only nominate one person per Membership Year. Retention of Complimentary Platinum Membership in subsequent Membership Years will require the Platinum One Member to earn at least 3,600 Status Credits (with at least 2,700 on Qantas marketed flights, i.e. flights with a Qantas (QF) flight number on the ticket);
(b) the Complimentary Platinum Membership Year will be aligned with that of the primary Platinum One Member;
(c) Platinum One Members can request to have their nominated person removed at any time, however, they may need to wait to nominate a new person for Platinum Status. If Platinum One Members have earned the required Status Credits to retain Platinum One Membership, they can change their nominated person two months prior to the end of their existing Membership Year or any time in their new Platinum One Membership Year, provided the Member has not added or made any previous change to the nominated person in that new Membership Year. A nominated person's Platinum Membership will automatically be extended once the Platinum One Member has reached the required Status Credits to retain Platinum One Membership; and
(d) unless a nominated person is removed, they will receive Platinum Membership for as long as the Platinum One Member retains the status. Once the nominated person is removed or the Platinum One Member does not retain Platinum One Membership, the nominated person's status will be reassessed at the end of their current Membership Year, and their Membership status will be adjusted accordingly.

21.6 Platinum One Member additional Benefits

21.6.1 Platinum One Members will have fees waived for the following servicing and support under the following conditions:

(a) Reward Assistance Fees and Booking Fee will be waived for Platinum One Members when booking Flight Rewards, Classic Upgrade Rewards using their Qantas Points and commercial bookings paid with cash when booking through Qantas Contact Centres. To be eligible for the commercial Booking Fee waiver, the new booking must have at least one Qantas (QF) flight number and at least one Platinum One Member travelling in the booking or in another booking on the same flight(s) when making a new booking for family members. The commercial Booking Fee waiver applies for all passengers in the booking. Other fees, including change fees, will continue to apply; and
(b) the Service Fee for Family Transfers will be waived for any Family Transfer either into or out of the Platinum One Member's Frequent Flyer account.

21.6.2 Platinum One Members travelling on Qantas Domestic flexible fares can on the day of travel request to be moved to the next available flight without paying any applicable fare difference under the following conditions:

(a) The Member must be travelling on a Qantas domestic flight on a Flex fare (booked in classes B, H, K, M, Y, J or C);
(b) Changes can only be made at a Qantas airport lounge or Qantas Service Desk for flights departing on same day and same routing as the original flight and are subject to same cabin availability;
(c) Changes can only be made for single sectors departing from the airport where the request is made; and
(d) Standard check-in and flight closure times apply.

21.6.3 If a Platinum One Member earns 5,000 Status Credits on flights with a Qantas (QF) flight number (including partner airline flights with a Qantas (QF) flight number) or on flights with a Jetstar Airlines (JQ and GK) flight number (including partner airline flights with a Jetstar Airlines flight number) within a single Membership Year, they will receive a bonus of 75,000 Qantas Points. A further 100,000 Qantas Points will also be awarded when the Platinum One Member earns 7,000 Status Credits flights with a Qantas (QF) flight number (including partner airline flights with a Qantas (QF) flight number) or on flights with a Jetstar Airlines (JQ and GK) flight number (including partner airline flights with a Jetstar Airlines flight number) within a single Membership Year. Status Credits earned from other eligible flights with partner airlines and from Status Credit bonus earn promotions do not count towards these points bonuses. Bonus Qantas Points will appear in the Platinum One Member's account within two business days of achieving the required threshold.

21.6.4 Any Platinum One bonus reward Qantas Points, awarded at 5,000 and 7,000 Status Credits earned within a Membership Year, will not count towards attaining or retaining Points Club or Points Club Plus, or unlocking the Points Club Milestone Bonus Reward.

21.7 Loyalty Bonus

21.7.1 Members can claim a Loyalty Bonus of 50 Status Credits for every 500 Status Credits earned on flights with a Qantas (QF) flight number (including partner airline flights with a Qantas (QF) flight number) or on flights with a Jetstar Airlines (JQ and GK) flight number (including partner airline flights with a Jetstar Airlines flight number) within a single membership year - up to a maximum of four Loyalty Bonuses per membership year. See the Airline Earning Tables for eligible flights and fares that earn Status Credits.

21.7.2 Members must claim their Loyalty Bonus within 90 days from the date the Loyalty Bonus is achieved.

21.7.3 When Members claim their Loyalty Bonus Status Credits, those Status Credits will count towards attaining or retaining Silver, Gold, Platinum and Platinum One, and attaining Lifetime Silver, Gold and Platinum. Loyalty Bonus Status Credits will not count towards the next Loyalty Bonus, the Platinum Bonus Reward or other Platinum One additional Benefits.

21.7.4 Status Credit balances relating to the calculation of the Loyalty Bonus will be adjusted to recognise only those earned within the Member's current Membership Year. Status Credits earned in previous Membership Years will not be recognised in the calculation of the Loyalty Bonus.

21.7.5 The calculation of Status Credits for the purposes of the Loyalty Bonus under this clause 21.7 does not impact the Status Credits which go towards tier retention.

21.8 Flight Reward seat allocation

21.8.1 Qantas Loyalty may at its discretion provide certain Members with additional allocations of, or preferential access to, selected Flight Rewards seats on Qantas operated flights when available.

22. Qantas Marketplace and Retail Rewards

22.1 It is the Member's responsibility to read and accept the Qantas Marketplace Terms before redeeming Qantas Points for Retail Rewards. Retail Rewards can only be obtained in accordance with those Qantas Marketplace Terms and these Terms.

22.2 The terms contained in this clause 22 apply (in addition to the Qantas Marketplace Terms) to Retail Rewards and the redemption of Qantas Points to obtain Retail Rewards.

22.3 If a provision in these Terms is inconsistent with any provision in the Qantas Marketplace Terms, the provision in these Terms will prevail to the extent of the inconsistency.

22.4 Members acknowledge that:

(a) the Qantas Points that must be redeemed to obtain a Retail Reward and any money that must be paid under a Points Plus Pay option may be viewed at the Australian Qantas Marketplace or New Zealand Qantas Marketplace websites and may be varied prior to redemption of the Retail Reward without advance notice to Members;
(b) all reasonable efforts will be made to ensure that information in relation to Retail Rewards is correct, but except as required by certain statutory warranties under consumer protection laws, Qantas accepts no liability for the lack of completeness or correctness of such information;
(c) Retail Rewards may be of limited stock;
(d) Retail Rewards may be offered for a limited time;
(e) Retail Rewards are subject to terms and conditions of their suppliers; and
(f) availability of some Retail Rewards may be subject to capacity controls by their suppliers.

Other limitations applicable to Retail Rewards may be viewed at the Australian Qantas Marketplace or New Zealand Qantas Marketplace websites.

22.5 Members redeem Qantas Points in order to obtain Retail Rewards at their own discretion. Qantas and Qantas Loyalty do not give any warranty or make any representation in relation to the underlying value of any Retail Rewards (other than the face value of vouchers denominated in dollars).

22.6 Qantas Loyalty may, in compliance with applicable consumer protection laws, at any time and without prior notice to Members withdraw, limit, modify, cancel, increase or decrease:

(a) any particular Retail Reward;
(b) the advertised terms of offer for a Retail Reward; or
(c) the quantity of a Retail Reward available for redemption.

23. Points Club Program

23.1 The Points Club Program is a program designed to recognise and reward Members who predominantly earn their Qantas Points through non-flying activities. The Points Club Program will be retired on and from 8 December 2026. Subject to clause 23.6, a Member who holds Points Club or Points Club Plus prior to 8 December 2026 will remain entitled to their applicable Points Club Program Benefits for the remainder of the Membership Year in which the Member qualified and the whole of the next Membership Year.

23.2 The Points Club Program has two levels, ‘Points Club’ and ‘Points Club Plus’. Both levels will unlock Benefits for Members including lounge access, bonus Status Credits and offers and discounts across Qantas Frequent Flyer and our partners. Additional terms and conditions may apply to some of those Benefits. You can find more information about Points Club and Points Club Plus benefits on our website or log-in to your Qantas Frequent Flyer account to see if you have unlocked Points Club.

23.3 Subject to clause 23.4, a Member must earn during their Membership Year and before 8 December 2026:

(a) 150,000 Qantas Points to qualify for Points Club; and
(b) 350,000 Qantas Points to qualify for Points Club Plus.

In calculating whether a Member has qualified for the Points Club Program in a Membership Year, Qantas will count Qantas Points from the applicable Accrual Date. Some Qantas Points can take up to 90 days to appear on a Member's Qantas Frequent Flyer Activity Statement.

Note: the following caps apply when calculating the number of Qantas Points earned in a Membership Year for the purposes of Points Club or Points Club Plus:

Qantas Points earned from flying are capped at 20,000 total in each Membership Year;
all Qantas Points earn transactions are capped at 125,000 per transaction. This cap applies to all transactions in which more than 125,000 Qantas Points are credited to a Member’s account. For example, if a Member receives 300,000 Qantas Points in connection with a transfer from another credit card program, home loan or as a prize in a competition, then only 125,000 of those Qantas Points will count towards qualification for the Points Club Program; and
Qantas Points transferred from a Qantas Business Rewards account are capped at 20,000 total in each Membership Year.

23.4 Qantas Points credited to a Member’s account received from the following sources do not count towards achievement of Points Club or Points Club Plus targets:

(a) Family Transfers;
(b) Qantas Points from the Platinum Bonus or Platinum One Bonus; and
(c) refunded Qantas Points.

23.5 Once a Member qualifies for Points Club or Points Club Plus, the Member will automatically be entitled to the applicable Points Club Program Benefits for that level.

23.6 From 8 December 2026:

(a) Members will not be able to qualify or re-qualify for Points Club or Points Club Plus; and

(b) Members may not upgrade from Points Club to Points Club Plus.

23.7 The Benefits provided to Points Club Program members may change from time to time. The current Benefits will be displayed at the Qantas website.

23.8 Points Club Program Benefits are not transferable to any other person.

24. Green Tier Program

24.1 Green Tier is an initiative designed to recognise and reward Members for taking steps, in the air and on the ground, to help reduce or compensate for their impact on the environment. Green Tier will be retired on and from 8 December 2026, and all associated Benefits will cease from that date.

24.2 To participate in the initiative Members must be residing in Australia with an Australian residential address in their profile.

24.3 Subject to clause 24.4, a Member will need to complete one activity from at least five different categories during their Membership Year to qualify for Green Tier. Members can find details about Green tier activities, categories and qualifying for Green Tier on the Qantas website. In calculating whether a Member has qualified for Green Tier in a Membership Year, Qantas will count eligible activities from the applicable Accrual Date. Some activities can take up to 90 days to appear on a Member’s Qantas Frequent Flyer Activity Statement

24.4 A Member must complete the required activities with their own Qantas Frequent Flyer membership to qualify for Green Tier.

24.5 When a Member achieves Green Tier they will automatically unlock the following Benefits:

(a) Digital recognition, including:

a unique Green Tier design on their digital Qantas Frequent Flyer card;
access to an exclusive green app icon for the Qantas App; and
recognition on their Membership Account;

(b) Invitations to exclusive sustainability events and experiences when available;
(c) The ability to earn bonus Qantas Points on eligible products and experiences through Qantas;
(d) The option to choose a bonus reward of either:

10,000 Qantas Points; or
50 Status Credits

The Member will have 90 days from the date they achieve Green Tier date to choose the bonus reward.

Additional terms and conditions may apply to some of these Benefits. View more information about Green Tier Benefits.

24.6 A Member will remain entitled to their Green Tier Benefits for the remainder of the Membership Year in which the Member qualified for Green Tier and the whole of the next Membership Year, or until 8 December 2026, whichever is earlier.

24.7 The Benefits provided to Green Tier Members may change from time to time. The current benefits will be displayed on the Qantas website.

24.8 Green Tier Benefits are not transferable to any other person.

25. Personal information

25.1 Each Member acknowledges that Qantas collects, uses and discloses information about the Member, in order for Qantas to provide the Member with the Benefits and administer Qantas Frequent Flyer and to undertake the activities further set out in this clause. The information about such use in this clause 25 should be read alongside the Privacy Policy, which contains more detailed information about how a Member’s personal information is processed.

25.2 If the Member does not provide all or any part of the requested information, the services provided to that Member by Qantas, and the Benefits that the Member receives, may be affected.

25.3 Qantas collects personal information about each Member (including the products and services available to or used by a Member):

(a) to enable Qantas to market products and services to the Member, including the products and services of Qantas partners and other third parties who Qantas believes may have products and services in which the Member would be interested. This is one of the primary purposes of Qantas Frequent Flyer;
(b) to facilitate the Member’s participation in Qantas Frequent Flyer and other organisations’ loyalty programs, including:
(i) by assessing the Member’s membership application,
(ii) awarding the Member with Qantas Points,
(iii) confirming the Member’s eligibility for, and providing any products and services associated with, Qantas Frequent Flyer, and
(iv) enhancing and tailoring the Member’s use of Qantas Frequent Flyer;
(c) for Qantas and third parties to generate consumer insights about the Member in order to better understand the Member’s preferences and interests, tailor the Member’s experience, enhance the products and services supplied to the Member and to tell the Member about the products and services of Qantas and its travel partners and program partners. In order to do this, Qantas may collect and combine personal information about the Member from third parties or public sources (e.g. ABS census data);
(d) where the Member is an 'Eligible Qantas Pay Member', for the purposes set out in the PDS;
(e) to identify suspicious transactions and to detect and prevent fraud;
(f) to improve the Qantas and Qantas Loyalty website and services, including by means of product development and market and behavioural research; and
(g) for operational management of Qantas Frequent Flyer.

25.4 Qantas may collect the Member’s personal information from the Member directly, including during a Member's interaction with Qantas Group websites, services or applications or when the Member is logged into their Qantas Frequent Flyer account. Qantas may also collect the Member’s personal information from third parties, Qantas’ related bodies corporate and Jetstar branded entities, partner airlines, third parties providing services for Qantas and Qantas’ program partners (such as when the Member registers through one of Qantas’ program partners or transacts with them).

25.5 For the reasons described above, Qantas may disclose a Member’s personal information to:

(a) partner airlines and oneworld® Member Airlines. In particular, where a Member is a Relevant Member, Qantas may disclose the Relevant Member’s information to Emirates in the United Arab Emirates for the purpose of Emirates offering the Relevant Member membership in the Skywards frequent flyer program (or any replacement loyalty program);
(b) non-airline program partners, in particular our Qantas Frequent Flyer and Qantas Business Rewards program partners, to facilitate the Member’s participation in Qantas' and other organisations’ loyalty programs as described in this clause 25;
(c) Woolworths Group Ltd, for the reasons described in this clause 25, and where a Member wishes to link their Qantas Frequent Flyer Membership with their Everyday Rewards membership;
(d) other Qantas Group companies;
(e) any third party providing services for Qantas Frequent Flyer, including assisting Qantas in determining a Member’s eligibility for, and providing, Qantas Frequent Flyer products and services (including products and services available to members), administering the program, operating Qantas’ call and service centres, providing market research and marketing services, and assisting with the prevention and detection of fraud;
(f) Qantas’ financial product card partners; and
(g) other third parties, such as law enforcement agencies and courts, in order to comply with its legal obligations or in connection with a legal claim or in response to a validly served and executed court order or subpoena.

25.6 These parties may be located in a country other than the country in which a Member is based, including in the United Kingdom, the United States, New Zealand, Germany, the Philippines, Australia and any country which the Member travels to or through in connection with its Membership.

25.7 Marketing consent: By becoming a Member, the Member provides their express consent to Qantas:

(a) sending the Member marketing communications via direct mail, telephone, email, SMS, in-app notifications and advertising or other digital means, including:
(i) news and offers for Qantas Frequent Flyer Members;
(ii) offers, news and updates from Qantas Hotels and Qantas travel and program partners;
(iii) flight specials, news and updates;
(iv) entertainment offers and competitions;
(v) Qantas branded products including insurance, financial services, retail, activities and experiences, wine news; and
(vi) Red Email, which lets the Member know about the latest travel deals and information.
(b) where the Member is a Relevant Member, disclosing the Relevant Member’s information to Emirates in the United Arab Emirates, who will contact the Relevant Member regarding membership in their Skywards frequent flyer program (or any replacement loyalty program);
(c) associating and combining data collected from third parties with the Member’s personal information and using and disclosing that combined information to create aggregated segments for the purposes of customer analytics and marketing and to tailor the Member’s experience and content, including third party content and otherwise in accordance with these Terms.
(d) where the Member is logged into their Membership Account on the Qantas Website or any Qantas App, providing online targeted advertising regarding products and services; and
(e) using the Member’s personal information for the purposes above.

25.8 Members can opt out of receiving all or any of the marketing communications listed above as follows:

(a) Email: Qantas Loyalty sends emails to Members using several different subscription lists. Members can unsubscribe by:
(i) clicking unsubscribe in the relevant email, which will unsubscribe them from the subscription list from which that email originated; or
(ii) by logging into their Membership Account and updating their email preferences in 'My profile' where they can unsubscribe from any or all email subscription lists;
(b) for personalised digital advertising on third party websites by logging into their Membership Account and updating their preferences in 'My profile';
(c) for in-app notifications via app preferences;
(d) for SMS messages, by opting out directly from an SMS or by logging into their Membership Account and updating their SMS preferences in 'My profile'; and
(e) for Qantas’ use of Members’ personal information for online targeted advertising on Qantas’ websites and mobile applications by:
(i) logging out of their Membership Account (or refraining from logging in);
(ii) terminating their Membership at any time, in which case the Member will forfeit all of their accrued Benefits and permanently opt out of any online targeted advertising; or
(iii) managing other settings such as disabling or deleting cookies, Qantas may display, and Members may still receive, non-targeted online advertising after Members have opted out, including on Qantas’ websites and mobile applications.

Opting out of these communications may impact Qantas’ ability to provide you, as a Member, with all the Benefits that would otherwise be available as part of Membership. There are, however, some service messages that we must be able to send you. These include, for example, information relating to your Membership, information about bookings you have made, products you have purchased, and forgotten passwords.

Note: Qantas Red Emails are sent from another part of the Qantas Group. You can unsubscribe from Red Emails (including flight offers and Travel Insider emails), by clicking unsubscribe in the email or by logging into their Membership Account and following the link in 'My profile' to the Red Email subscription page.

25.9 Qantas Loyalty may elect to send you a communication via email and SMS without an Unsubscribe Function where:(a) the communication relates to, or is ancillary to:
(i) a product or service which has been, or has been agreed to be, supplied or given to you by Qantas Loyalty, or by a third party (for example, a flight upgrade offer or a product renewal offer); or
(ii) a product, service, Benefit or other thing, including a message, which you have elected or agreed to receive, or in which you have elected to participate (for example, a competition or promotion);
in each case in connection with Qantas Frequent Flyer; and
(b) the primary purpose of the communication is not to offer to supply, advertise or promote new goods or services (other than any goods or services described in paragraph (a)(i) or (ii)) or a supplier or prospective supplier of such new goods or services.

Qantas may provide you with non-targeted online and in-App advertising without an opt out.

25.10 Further information on how Qantas handles personal information, and to the extent permitted or required by law, access and correct personal information can be requested by completing the form located at Privacy Questions or by writing to Qantas Customer Care at 10 Bourke Road, Mascot, NSW, 2020. Only the Member named on the account will be entitled to access their Membership information.

25.11 If you register and use your Qantas Frequent Flyer membership card in Apple Wallet or Google Pay, then Qantas will share your Qantas Frequent Flyer membership number and associated barcode with Apple or Google (as the case may be) in order for us to facilitate the use of your Qantas Frequent Flyer membership card with Apple Wallet and Google Pay.

Qantas may collect feedback about your use of Apple Wallet and Google Pay to help us better understand and improve the experience for our Members.

If you do not want us to collect, use or disclose the information described above, you should not register your Qantas Frequent Flyer membership card in Apple Wallet or Google Pay.

In addition to this clause, you should read:

Apple's Privacy Policy at https://www.apple.com/au/privacy. If you register your card in Apple Wallet, Apple may access information about the use of your card.

Google's Privacy Policy at https://policies.google.com/privacy. If you register your card in Google Pay, Google may access information about you and the use of your card.

25.12 This clause 25 survives the termination of these Terms and the termination or suspension of Qantas Frequent Flyer.

26. Liability

26.1 Qantas Loyalty acknowledges that certain jurisdiction's laws imply terms, conditions or warranties into contracts for the supply of goods or services that cannot be excluded. For example, for consumers in Australia, certain services come with statutory guarantees under the Competition and Consumer Act 2010 (Cth) that they will be provided with due care and skill and be reasonably fit for their purpose. Clause 26.2 is not intended to exclude or restrict the application of such laws.

26.2 Subject to clause 26.1, and to the extent permitted by law in any applicable jurisdiction, the Qantas Group and any of their officers, employees or agents are not liable for any loss or claim of any kind (including, without limitation, consequential or economic loss or loss of profits), arising under or in connection with these Terms or Qantas Frequent Flyer, including, without limitation, any changes to the Terms or Qantas Frequent Flyer, save to the extent that such loss or claim arises from the negligence or wilful misconduct of a Qantas Group Company, or any of their officers, employees or agents.

27. General

27.1 Interpretation: In these Terms, unless the contrary intention appears:

(a) the singular includes the plural and vice versa;
(b) 'dollars' or '$' means Australian dollars;
(c) unless otherwise stated, all dollar amounts include any applicable GST;
(d) dates or times are Universal Time Code (or GMT) dates or time;
(e) a reference to 'include' or 'including' means 'including but not limited to'.

27.2 Governing Law: The Terms and membership in Qantas Frequent Flyer are governed by and will be construed in accordance with the laws of the State of New South Wales, Australia irrespective of where the application for Membership has been completed by the Member or submitted to Qantas or Qantas Loyalty. In any action or other legal process with respect to any matter or thing in connection with these Terms or Membership the Member submits to the non-exclusive jurisdiction of the State of New South Wales.

27.3 For New Zealand-based services or products: The New Zealand Consumer Guarantees Act 1993 may apply however it will not apply where Membership has been obtained, or a Member has represented it has been obtained, for business purposes, in which case provisions of that Act are excluded from these Terms.

27.4 Nothing in these Terms affects any rights a Member may have and which by law cannot be excluded, including under the Competition and Consumer Act (2010) and under State and Territory consumer protection legislation.

27.5 If part or all of any clause of these Terms is illegal, invalid or unenforceable then it will be read down to the extent necessary to ensure that it is not illegal, invalid or unenforceable, but if that is not possible, it will be severed from these Terms and the remaining provisions of these Terms will continue to have full force and effect.

27.6 Qantas recommends that Members consult their accountant or tax adviser to ensure that they understand possible tax (including fringe benefits tax) implications, if any, related to Membership and Benefits.

27.7 Business customers may be able to reclaim the Australian GST relating to their Membership. Members who require a tax invoice should contact the Frequent Flyer Service Centre by calling 13 11 31. Members should consult their tax adviser to determine their eligibility to reclaim Australian GST. For more GST information refer to the Australian Tax Office. For Australian GST purposes, where a foreign currency value of a Qantas Frequent Flyer transaction needs to be converted, it will be done so at a rate determined by Qantas Loyalty.

28. Saved Payment Details

28.1 A Member may link an Accepted Payment Card to their Membership Account by saving the card details in their profile (Saved Payment Details).

28.2 The Member agrees that Qantas may use Saved Payment Details to make any payments to Qantas for Qantas flights and/or Qantas products and services (such as Qantas Wine, Qantas Hotels or Qantas Marketplace). No payment will be processed without the Member’s authorisation.

28.3 Saved Payment Details will not be disclosed to any third party except to make authorised payments.

28.4 Qantas may charge a payment processing fee for the use of a particular Accepted Payment Card. Any applicable fee be displayed to the Member in advance.

28.5 A Member may change or delete any Saved Payment Details at any time by updating their profile, or by contacting Qantas Loyalty for assistance.

28.6 Qantas will retain the Member’s Saved Payment Details until the Member deletes them from their profile, requests Qantas to delete them, or the Member’s Membership is terminated in accordance with these Terms.

Fee Schedule

This Fee Schedule is subject to the Australian Consumer Law. If you are entitled to a refund or other remedy under the Australian Consumer Law, no fee (in cash or Qantas Points) will apply.

Valid at the time of publishing but subject to change.

Additional Baggage Allowance - cancellation fee

Fee: A$80 or 5,000 Qantas Points per passenger per booking

Auto Rewards service fee

Fee: 200 Qantas Points per transaction

Reward Assistance Fee - purchase of Top-up Points

For Qantas Points purchases made through the Frequent Flyer Service Centre. Amount must be paid at the time of making the purchase.

Fee: A$35 per purchase

Reward Assistance Fee - Classic Flight Reward bookings

Money payment option is available for Classic Flight Reward bookings made in Australia or in New Zealand (except as otherwise stated). Amount must be paid at the time of making your reservation.

Fee for International: 7,700 Qantas Points per passenger

Fee for all other: 4,500 Qantas Points per passenger

Or, fee where money payment option available (money payment option is not available for NZ Domestic bookings): The A$ or NZ$ booking fee set out in the 'Fees for making Bookings'.

Reward Assistance Fee - transfer of points to Eligible Family Members

For transfers made through the Frequent Flyer Service Centre. Amount must be paid at the time of making your transfer.
Fee: A$35 per transfer

Cancellation Refund Fee

Cancellation Fee for flights booked using Points Plus Pay Change and service fees are payable only in money. See applicable fare rules.

Cancellation Fee for Flight Rewards 6,000 Qantas Points per passenger.
If the Qantas Points redeemed for the Classic Plus Flight Reward are less than the Cancellation Refund Fee per passenger then the Qantas Points redeemed per passenger will apply as the Cancellation Refund Fee.

Note: Cancellation Refund Fees do not apply if you are entitled to a refund under the Conditions of Carriage or the Australian Consumer Law.

Change Fee

Change Fee for flights booked using Points Plus Pay Change and service fees are payable only in money. See applicable fare rules.
Change Fee for Flight Rewards 5,000 Qantas Points per passenger.

Where changes are made to Flight Rewards via Qantas Contact Centres, Service Fees (below) are payable in addition to the Change Fee.

Service Fees

Service Fees are payable in addition to any applicable Change Fees.

Payable where changes are made to Flight Rewards bookings via Qantas Contact Centres.

Money payment option is available for Flight Reward booking changes made in Australia or in New Zealand (except as otherwise stated). Amount must be paid at the time of making your changes.Service Fees will not be applied when changing Flight Rewards booked for travel in Business or First class.

Fee for Domestic Australia/New Zealand 4,500 Qantas Points per passenger.

Fee for Trans Tasman 4,500 Qantas Points per passenger.

Fee for International 7,700 Qantas Points per passenger.

Or, where money payment option available (money payment option is not available for changes made to NZ Domestic bookings): The A$ or NZ$ change fee set out in the 'Fees for making changes to Bookings' table.

Courier Fee - urgent membership kit delivery

Fee: From A$30

Refund of Unused Flight Upgrade Fee or Unused Classic Upgrade Reward Fee

Fee: 5,000 Qantas Points per Upgrade

Reinstatement Fee

Fee: 5,000 Qantas Points per passenger

Replacement Card Fee

Fee: A$10 or 1,000 Qantas Points per Card

Statement Request Fee

Fee: 2,500 Qantas Points per statement

Note:

Fees include GST where applicable.
Where an A$ or NZ$ money payment option is given, the A$ option applies for Rewards redeemed in or when the service is provided in Australia and the NZ$ option applies for Rewards redeemed in or when the service is provided in NZ.
Fees will apply to the Member redeeming the Reward or, for fees not relating to Rewards, the Member to whom the service relates.
Per passenger fees do not apply to infants not occupying a seat.

Airline Earning Tables

See Qantas Points and Status Credits earned for:

Travel from 24 October 2017
Classic Flight Reward bookings
(for Points Club and Points Club Plus members only – see section 22)

Source: https://www.nab.com.au/content/dam/nabrwd/documents/pds/insurance/nab-credit-card-cover-pds.pdf

Product Disclosure Statement and Policy Document Issuer MLC Limited ABN 90 000 000 402 AFSL 230694 Issue No. 9 Preparation date: 7 June 2018 Effective date: 7 June 2018 NAB CREDIT CARD Cover

Important information MLC Limited ABN 90 000 000 402 AFSL 230694 ( MLC ) is the insurer and issuer of NAB Credit Card Cover, which has been branded by National Australia Bank Limited ABN 12 004 044 937, AFSL 230686 and Australian Credit Licence 230686 ( NAB ). NAB is the distributor of NAB Credit Card Cover. MLC Limited uses the MLC brand under licence. MLC Limited is part of the Nippon Life Insurance Group and not a part of the NAB Group of Companies. MLC is the issuer of this PDS and takes full responsibility for the whole of the PDS. Your contract is with MLC . The insurance policy is not a deposit with or liability of NAB , or any of its related bodies corporate. Neither NAB , nor its related bodies corporate, guarantees or accepts any liability for the product. Any financial advice in this PDS is general only and has not been prepared having regard to your particular objectives, financial situation or needs. You should read this PDS and consider your personal circumstances before acting on any information or advice in this PDS. This insurance is designed purely for protection and is not a savings plan. NAB Credit Card Cover is offered only in Australia. NAB Credit Card Cover is consumer credit insurance and you are not obliged to apply for or buy this type of insurance. While this type of insurance is normally only available through your credit card provider, you may consider arranging credit card insurance through a different insurer. The benefits available under NAB Credit Card Cover are payable from MLC Limited’s Statutory Fund No. 1. Throughout this Product Disclosure Statement and Policy Document: References to: Are to be read as: ‘we’, ‘us’, ‘our’, ‘ MLC ’ MLC Limited as the insurer and issuer of this insurance. ‘you’, ‘your’ The primary cardholder of the NAB credit card account . NAB National Australia Bank Limited PDS Product Disclosure Statement and Policy Document Within this booklet, words that are bold (such as pre-existing condition ) have a special meaning and are explained in section 8 Definitions. 3 CONTENTS

WHAT IS NAB CREDIT CARD COVER 4
HOW IT WORKS 6 2.1 Why this PDS is important 6 2.2 Who is eligible to apply 6 2.3 How to apply 7 2.4 Who’s covered 7 2.5 When does your policy commence 7 2.6 Who is the insurer 7 2.7 Which policy terms apply to your claim 7
WHAT’S COVERED 8 3.1 Double benefit 12 3.2 Examples of benefit payments 12 3.3 What’s a qualifying period 14
IMPORTANT CONDITIONS ABOUT BENEFIT PAYMENTS 15 4.1 General conditions 15 4.2 Death claim conditions 15 4.3 Critical illness claim conditions 15 4.4 Disablement claim conditions 15 4.5 Involuntary unemployment claim conditions 16 4.6 When benefits are already being received 16 4.7 Claim limits 17
WHAT’S NOT COVERED 18
YOUR PREMIUM 20 6.1 How monthly premiums are calculated and charged 20 6.2 Providing cover even when you pay your credit card account in full 20 6.3 Will premiums change 20 6.4 When we don’t charge a premium 21 6.5 Change of NAB credit card type and/or account number 21 6.6 Commission and other benefits 21
MORE INFORMATION YOU NEED TO KNOW 22 7.1 Welcome pack 22 7.2 Cooling off period 22 7.3 Cancelling your policy 22 7.4 When your insurance will end 22 7.5 Making a claim 22 7.6 Resolving complaints 23 7.7 PDS and policy changes 24 7.8 Tax 24
DEFINITIONS 25 Privacy 33

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WHAT IS NAB CREDIT CARD COVER What happens if you can’t meet your credit card repayments because the unexpected occurs, such as losing your job, becoming disabled, critically ill or you die? Life doesn’t always go to plan. NAB Credit Card Cover is insurance designed to help you cover your NAB credit card account repayments in situations when you need assistance and security for you and your family. The table below is a summary of the benefits: What’s included? What’s covered? Amount paid per insured event: For more information about what’s covered go to page: For information about what’s not covered go to page: Claim for insured events that occur to: You Any additional cardholder life Death A lump sum payment to cover the outstanding balance to a maximum of $50,000. A double benefit may also apply. This means when a death benefit is paid, the same amount will be paid to your estate to a combined maximum of $50,000.** 8 18 ✓ ✓ critical illness * Conditions such as stroke – in the brain and of specified severity , paralysis , and multiple sclerosis . A lump sum payment of 150% of the outstanding balance to a maximum of $50,000. 8 18 ✓ ✓ disablement * Your inability to work for at least 30 days due to injury or illness, such as injury from a car accident. A monthly benefit for up to 24 months to a maximum of $50,000. 10 18 ✓ ✓ involuntary unemployment * Involuntary unemployment, such as redundancy, for at least 30 days. A monthly benefit for up to six months to a maximum of $50,000. 10 18 ✓ ✓ *A 30 day qualifying period applies. ** This is subject to conditions set out in section 3.1 of this PDS. The insurance is available to you or any additional cardholder on the account. NAB Credit Card Cover also offers hassle-free application with no medical examinations. NAB Credit Card Cover, including life, critical illness, involuntary unemployment and disability is sold as a package. Getting to know your insurance To make this insurance cover more affordable, there are specific exclusions, qualifying periods and defined terms that apply to this cover. It’s important that you read the entire PDS carefully for full details of what is covered and what is not covered. If you’d like a free copy of the PDS and policy document, please call us on 13 22 95 . If you have any questions about the contents of this PDS or this product please contact NAB on 13 22 65 . You may also wish to consult with your financial adviser or your medical adviser.

6 7 2.3 How to apply The primary cardholder can apply: • online at - nab.com.au/insurance • mailing your completed and signed application form provided with this PDS to - NAB Credit Card Cover Reply Paid 9992 Melbourne VIC 8060, or • by accepting the insurance when it’s offered to you. Only one NAB Credit Card Cover policy can be taken out for each NAB credit card account . 2.4 Who’s covered Whilst your policy is in force, you or any additional cardholder are covered for an insured event provided that at the date the insured event occurs the cardholder is: • a cardholder of the NAB credit card account • between the ages of 18 and 64 years (inclusive), and • an Australian resident . 2.5 When does your policy start The policy start date will be identified in your policy schedule . When we accept your application, you’ll be covered straight away from that date although benefits may be subject to any applicable qualifying period. 2.6 Who is the insurer NAB Credit Card Cover is issued by the insurer, MLC . The policy is registered in the Australian State or Territory of your residence. Any dispute or action connected with the policy will be conducted and decided according to Australian Law. 2.7 Which policy terms apply to your claim When you make a claim, the policy terms and conditions that apply to your claim are those applicable on the date of that insured event . 2. HOW IT WORKS 2.1 Why this PDS is important This PDS is also a policy document and explains NAB Credit Card Cover. It contains information to help you decide whether NAB Credit Card Cover suits your needs and whether you wish to purchase it. The insurance you select may not always be adequate for your needs. It’s important that you assess whether the amount of cover provided and the terms of a particular insurance product are suitable for you. It’s important that you read the whole PDS carefully as it contains information about the features, benefits and limitations of the insurance. The following communications form the terms and conditions of your insurance contract with us: • the PDS • your application • your policy schedule • any notice in writing from us after the start date , and • any future documents that change this PDS. Please treat your PDS and policy schedule like any other important document and store them in a secure, accessible place. 2.2 Who is eligible to apply You can apply for NAB Credit Card Cover if you: • are the primary cardholder of the NAB credit card account (and your right to use the account has not been cancelled) • are between the ages of 18 and 64 years (inclusive) • are an Australian resident , and • have received this PDS in Australia. MLC guarantees acceptance of your application – there are no health checks or questions asked. You’re required to be truthful to us in making your application for insurance.

WHAT’S COVERED If an insured event happens after the cardholder’s start date and your policy is in force, a benefit is payable to your NAB credit card account as follows subject to the terms and conditions of this policy . What’s included? What’s covered? Main benefit payment conditions * Qualifying period (see section 3.3) life Where a cardholder dies, we’ll pay the outstanding balance to a maximum of $50,000. The double benefit may also apply. See section 3.1. The benefit will be calculated as at the date of the cardholder’s death. Nil critical illness Where a cardholder suffers one of the below defined critical illnesses , we’ll pay a lump sum of 150% of the outstanding balance to a maximum of $50,000: • benign brain tumour • cancer - excluding specified early stage cancers • chronic kidney failure (chronic renal failure) • coronary artery bypass surgery • heart attack – with evidence of severe heart muscle damage • major organ transplant • motor neurone disease • multiple sclerosis • paralysis, and • stroke – in the brain and of specified severity The benefit will be calculated as at the date of diagnosis or, where applicable, the date of surgery, and paid after receipt of confirmed diagnosis or confirmation that surgery occurred. The cardholder must meet the policy definition of the critical illness . If after a period of six months, from the date of the critical illness , the critical illness renders the cardholder disabled a claim can be made for disability . A claim for the disablement benefit can continue for up to a further 18 months. 30 days *Please refer to sections 4 and 5 for conditions and section 8 for the definitions that apply. 8 9

What’s included? What’s covered? Main benefit payment conditions * Qualifying period (see section 3.3) disablement Where a cardholder is continuously disabled resulting from sickness or injury, we’ll pay up to 24 monthly benefits for the disablement period to a maximum of $50,000. The monthly benefit is calculated as 25% of your outstanding balance at the date of disability . Provided the cardholder meets the policy definition of disabled , and is disabled for more than 30 days: • the monthly benefit will be payable and calculated from the start of the cardholder’s disablement , and • the monthly benefit will be paid on a pro- rata basis for any period of less than a month. The monthly benefit will be paid monthly in arrears until the first of the following occurs: • the cardholder is no longer disabled • 24 monthly benefits have been paid, or • $50,000 has been paid. 30 days involuntary unemployment Where a cardholder is involuntarily unemployed after being gainfully employed , we’ll pay up to six monthly benefits whilst the cardholder is seeking new employment to a maximum of $50,000. The monthly benefit is calculated as 25% of your outstanding balance at the date the cardholder became involuntarily unemployed . The cardholder must meet the policy definition of involuntary unemployment . If the cardholder is involuntarily unemployed for more than 30 days: • the monthly benefit will be payable and calculated from the start of the cardholder’s involuntary unemployment , and • the monthly benefit will be paid on a pro-rata basis for any period of less than a month. The monthly benefit will be paid monthly in arrears until the first of the following occurs: • the cardholder is no longer involuntarily unemployed • 6 monthly benefits have been paid, or • $50,000 has been paid. 30 days *Please refer to sections 4 and 5 for conditions and section 8 for the definitions that apply. 10 11

Cover type Example critical illness Example 3 Kim is diagnosed with breast cancer. At the date of diagnosis the outstanding balance owing on her NAB credit card account was $6,200. The lump sum benefit we’ll pay to her NAB credit card account would be: $6,200 x 150% = $9,300. If Kim is disabled because of her breast cancer after six months from the date of her diagnosis, the monthly benefit for disability would be: $6,200 x 25% = $1,550 per month (payable for up to 18 months while the disability continues). In this example we’ll pay a total of $37,200 (which is the initial lump sum payment made of $9,300 plus a further maximum benefit of $27,900). disablement Example 4 Brian becomes disabled from a serious illness on 7 March and the outstanding balance at the date of his disablement was $7,000. As long as Brian remains disabled beyond 30 days the monthly benefit will be calculated from 7 March (the date he became disabled ) and the monthly benefit we’ll pay to his NAB credit card account would be: $7,000 x 25% = $1,750 per month. In this example, we’ll pay Brian $1,750 per month, while the disability continues for up to 24 months (a maximum of $42,000). involuntary unemployment Example 5 Jennifer was made redundant on 1 July and the outstanding balance owing on her NAB credit card account at the date of involuntary unemployment was $12,000. As long as Jennifer remains involuntarily unemployed beyond 30 days the monthly benefit will be calculated from 1 July (the date she was made redundant) and the monthly benefit we’ll pay to her NAB credit card account would be: $12,000 x 25% = $3,000 per month. In this example, we’ll pay Jennifer $3,000 per month while the involuntary unemployment continues, for up to 6 months (a maximum of $18,000). 12 13 3.1 Double benefit When a death benefit is paid, the same amount will be paid to your estate. The double benefit is subject to the following terms: • the maximum benefit of $50,000 as described in section 4.7. The double benefit payment may be reduced to ensure that the maximum benefit amount is not exceeded • a double benefit is not payable for death arising from suicide, regardless of when that occurs, and • a double benefit will only be payable if the death was not caused or contributed to by any illness or injury for which the critical illness benefit has been paid. 3.2 Examples of benefit payments The following examples show how benefits are calculated and paid. These examples are illustrative only. Claims are assessed on the outstanding balance of your NAB credit card account at the date of the insured event . Please refer to sections 4 and 5 for conditions and section 8 for the definitions that apply. Cover type Example life Example 1 Peter suddenly passes away from a heart attack. The outstanding balance owing on his NAB credit card account was $8,000 at the date of his death. We’ll pay a lump sum of $8,000 to his NAB credit card account , plus a double benefit payment of $8,000 to his estate. Example 2 Sarah passes away from a serious accident. The outstanding balance owing on her NAB credit card account was $30,000 at the date of her death. We’ll pay a lump sum of $30,000 to her NAB credit card account , plus a reduced double benefit payment of $20,000 to her estate so that the maximum total benefit of $50,000 is not exceeded.

IMPORTANT CONDITIONS ABOUT BENEFIT PAYMENTS You will need to understand the policy conditions applying to a benefit payment to your NAB credit card account . 4.1 General conditions • Benefit payments are based on the outstanding balance on your NAB credit card account at the date of the insured event occurring, and they are credited to that account. • Amounts charged to your NAB credit card account after the date of the insured event giving rise to a claim, won‘t be covered by that claim. 4.2 Death claim conditions • If the primary cardholder dies no further benefits, other than the death benefit and double benefit, are payable as your policy has ended. • If a critical illness benefit has been paid, a death benefit will only be payable if the death was not caused or contributed to by the same critical illness . 4.3 Critical illness claim conditions • An appropriate specialist and our medical adviser must agree the condition suffered by the cardholder meets our definition of critical illness . In some cases a condition must progress to a certain point before it meets the definition. • One critical illness benefit can be paid for each cardholder , for the life of the policy . 4.4 Disablement claim conditions • The definition of disablement that is applied at the time of claim varies according to the cardholder’s employment status, that is, whether the cardholder is gainfully employed , unemployed, or not gainfully employed . See definition of disablement and activities of daily living for further details. • The disablement must be a result of injury or sickness, certified by a registered medical practitioner . • The cardholder will only be considered disabled if they’re not working for earnings, payment or profit. • The first disablement benefit will be paid after the initial 30 continuous days of the disablement . This will be calculated from the first day of the cardholder’s disablement . • If, within six months of a previous period of disablement ending, a cardholder suffers a recurrence of the same or a related sickness or injury, the original disability will be treated as continuing and the same monthly benefits will recommence from the date the disablement recurs. 3.3 What’s a qualifying period No benefit is payable for any involuntary unemployment , disability or critical illness that occurs in the qualifying period. This period starts on the cardholder’s start date . For example, the qualifying period for critical illness is 30 days. This means a cardholder is not covered if the critical illness (or, for surgical procedures, the underlying condition) first appeared or was diagnosed within the first 30 days of the cardholder’s start date. 14 15

• If after six months, from the date of the critical illness , the cardholder is disabled from the same critical illness , then a monthly benefit for disablement may be paid for up to 18 months. However, if disability benefits were being paid for illness or injury for which a critical illness benefit is subsequently paid, the total number of months for which disability benefits have already been paid will count towards the 18 months of further disability benefits that may be payable. The monthly benefit is calculated as 25% of your outstanding balance at the date of diagnosis of the critical illness . Should the cardholder die while in receipt of the disablement benefit, we’ll pay out the remainder of the disablement benefit as a lump sum. The claim for critical illness , then disability and death will be treated as a claim for one insured event , so that the maximum payable is $50,000. 4.5 Involuntary unemployment claim conditions • To be eligible for the involuntary unemployment benefit, the cardholder must be registered with Centrelink or another Government approved job placement agency as a job seeker or otherwise actively seeking work. The cardholder will be required to provide evidence of their job seeking activities. • There’s no limit to the number of claims the primary cardholder can make but you must have returned to work and be gainfully employed , after an earlier period of involuntary unemployment , to make a further claim. • The first involuntary unemployment benefit will be paid after the initial 30 continuous days of involuntary unemployment . This will be calculated from the first day of the cardholder’s involuntary unemployment . 4.6 When benefits are already being received • Only one benefit is payable to the credit card account at any one time. • When a disablement or involuntary unemployment benefit is being paid for a cardholder and that cardholder subsequently dies or suffers a critical illness , we’ll cease paying these benefits at the date of the cardholder’s death or critical illness . We’ll then pay a benefit for death or critical illness . • If an additional cardholder dies when a monthly benefit is being paid for the disablement or involuntary unemployment of the primary cardholder , the primary cardholder can choose whether to continue the monthly benefit payments, or receive a lump sum payment for the additional cardholder’s death. • If the primary cardholder dies when a monthly benefit is being paid for the disablement or involuntary unemployment of an additional cardholder , the monthly benefit payments will cease and a lump sum payment for the death of the primary cardholder will be paid. 4.7 Claim limits • This table details the maximum number of claimable insured events per cardholder under the policy . Cover type For events that occur to the primary cardholder For events that occur to the additional cardholder life One* One* critical illness One* One* disablement Unlimited One involuntary unemployment Unlimited Three

a maximum of two lump sums can be claimed per cardholder (that is one sum for critical illness and one for death), where the cause of death and critical illness are unrelated. • Where the outstanding balance is greater than $50,000 the most we’ll pay per claim is $50,000 (inclusive of any double benefit payments). 16 17

18 19 5. WHAT’S NOT COVERED There are some instances where a claim will not be paid, as detailed in the table below. The exclusion to each type of cover has a ( x ) next to it in the applicable column. We have exclusions to help keep this insurance more affordable for you. We won’t pay any claim arising from, or contributed to by, any of the following: Insurance cover Exclusions Life Critical illness Disablement Involuntary unemployment A pre-existing condition , refer page 30 x x x A critical illness that first appears, happens, or is diagnosed within the first 30 days of the cardholder’s start date x A sickness contracted within the first 30 days of the cardholder’s start date x Uncomplicated pregnancy or termination of pregnancy, or uncomplicated childbirth x involuntary unemployment –

where written or verbal notification of impending unemployment occurs before, or within 30 days of the cardholder’s start date x
that occurs as a result of a disability where we’ve paid a claim x
if the cardholder was working less than 15 hours per week or was not employed for a continuous basis for six months in one occupation x
if the cardholder is working on a fixed term contract, and the period that the cardholder isn’t working arises from or is due to the cardholder’s fixed term contract coming to an end x
where the cardholder has been engaged in seasonal work x
if the cardholder is employed by the cardholder’s family , company or business immediately before they became involuntarily unemployed x
resulting from industrial action, voluntary cessation of employment, including voluntary redundancy, voluntary retirement or retirement including exercising an early retirement option x
if the cardholder is self-employed or in a business partnership and the cardholder’s business temporarily ceases trading, or x
if the cardholder is in a business partnership and the cardholder’s position as a partner automatically ceased under the relevant partnership agreement or law. x Suicide within 12 months of the cardholder’s start date x Involvement in criminal activity x x x x Being under the influence of drugs or alcohol x x x x

rates of claims, increased business costs, improved benefits or discounts offered. However, we’ll: • notify you before we change your premium • give you at least 30 days’ notice of any change, and • not single you out for a change to your premium . We reserve the right to recover from you the cost of duty, tax, excise or any other charge of the Australian Government or any state or territory government, as they may apply to the policy , from time to time. You’ll be notified in advance if we charge such costs back to you. 6.4 When we don’t charge a premium You won’t be charged a premium when, on the closing date of the statement period , your NAB credit card account relevant balance : • is less than $10, or • is in credit. 6.5 Change of NAB credit card type and/or account number If the type of NAB credit card account you have changes (eg you upgrade to another NAB credit card or move from a MasterCard to a Visa) and/or your NAB credit card account number changes (eg due to you reporting your credit card lost or stolen), your NAB Credit Card Cover policy will move to the new NAB credit card or NAB credit card account , unless you advise us not to by: • calling 13 22 95 , or • writing to us at GPO Box 4397 Melbourne VIC 3001 6.6 Commission and other benefits A commission of twenty percent (20%) of your first year’s premium (excluding government charges) is paid to NAB . The commission payable is included in the premium you pay for the insurance. MLC will pay a distribution allowance to a related body corporate of NAB , National Wealth Management Services Limited in respect of the distribution of MLC’s insurance products. This payment will depend in part on the value of MLC’s insurance portfolio relating to insurance distributed through NAB and its related bodies corporate and the performance of NAB and its related bodies corporate against agreed annual performance criteria. 6. YOUR PREMIUM 6.1 How monthly premiums are calculated and charged The monthly premium costs 74 cents per $100 (or part thereof) of the relevant balance (up to a maximum relevant balance of $50,000) owing on your NAB credit card accoun t on the closing date of each statement period . Premium examples: Relevant balance owing on the closing date of each statement period Monthly premium Calculated by Less than $10 (or in credit) Nil The premium charge is calculated as nil $1000 $7.40 $1,000 ÷ $100 x 74 cents $3000 $22.20 $3,000 ÷ $100 x 74 cents $5000 $37.00 $5,000 ÷ $100 x 74 cents $50,000 $370.00 $50,000 ÷ $100 x 74 cents Greater than $50,000 $370.00 Premiums are calculated at a maximum relevant balance of $50,000 There is no additional policy fee or GST payable on a NAB Credit Card Cover policy . Your premium is automatically charged to your NAB credit card account each month on the closing date of your statement period (that is, about the time your credit card statement is issued). Details of the premium charged will be printed on your NAB credit card account monthly statement and will usually appear as the last transaction. 6.2 Providing cover even when you pay your credit card account in full If you pay your NAB credit card account in full by the due date shown on your monthly credit card statement, a premium would have still been charged on the closing date for that statement period . Paying this premium ensures you have cover in place for any new credit charges incurred during that period. 6.3 Will premiums change We may change (increase or decrease) premium rates at any time. Whilst we work hard to keep your insurance affordable, there are factors that may change your premium rates such as increased 20 21

for us to assess your claim and this could potentially impact your benefit. You’ll need to pay for any supporting evidence, such as medical reports unless we tell you not to. Subject to the terms of your NAB credit card account , you can continue to use your NAB card whilst claiming on the NAB Credit Card Cover policy . Any amounts charged to your NAB credit card account after the date of the insured event giving rise to your claim, won’t be covered by that claim and you’ll need to pay these amounts. Premiums need to be paid whilst you’re receiving a benefit that doesn’t end your policy . 7.6 Resolving complaints In many cases, we can resolve your complaint. Please contact us on 13 22 95 to discuss your concerns and we’ll work with you to resolve the complaint quickly. If you’re unhappy with the resolution of your complaint, you can ask for your complaint to be reviewed by MLC Life Insurance Resolve. This team will ensure a review of your complaint and provide you with the outcome in writing. This will include the reasons for our decision. You can request a review of your complaint by: • calling 13 22 95 , or • writing to The Complaint Manager MLC Life Insurance Resolve PO Box 1086 North Sydney NSW 2059 We’re allowed up to 45 days to respond to your complaint. If the complaint will take longer to resolve, we’ll let you know and tell you the reasons for any delay. We’ll also keep you updated on the progress of your complaint. If you’re unhappy with the final outcome of your complaint, you have the right to lodge a dispute with an external dispute resolution body. Contact them by: • writing to Financial Ombudsman Service Australia GPO Box 3 Melbourne VIC 3001 • calling 1800 367 287 (free call) or international callers +61 3 9613 7366 (charges apply) • faxing 03 9613 6399, or • emailing info@fos.org.au For more information go to fos.org.au 7. MORE INFORMATION YOU NEED TO KNOW 7.1 Welcome pack You’ll receive a welcome pack containing everything you need to know about your policy including your policy schedule . Your PDS & policy document and current policy schedule will be your insurance contract with MLC . Please keep these documents safe for any future claims. 7.2 Cooling off period If you cancel your policy within 30 days of the start date , we’ll refund any premiums already paid to your NAB credit card account unless you’ve made a claim. 7.3 Cancelling your policy You can cancel your policy at any time by: • calling 13 22 95 , or • writing to us at GPO Box 4397 Melbourne VIC 3001 If you contact us to cancel your policy , your policy will be cancelled on the date you notify us and cover will cease immediately before the start of the next statement period . If a claim is made in this period, any uncharged premium will be deducted from the benefit amount payable. 7.4 When will your insurance end Your policy ends when: • the primary cardholder reaches the age of 65 years • the NAB credit card account is cancelled, closed or both, or • the primary cardholder dies. Your policy will be cancelled by us and will end when: • your premiums are not paid for three consecutive months, due to the charging of the premium to your NAB credit card account being declined, and we give you at least 30 days’ written notice before this cancellation • we exercise our right to cancel the policy in line with legislation (eg if you make a fraudulent claim), or • in line with clause 7.3, you ask us to cancel your policy . 7.5 Making a claim Call us on 1300 125 246 (1300 1 CLAIM) , Monday to Friday between 8.30am and 5.30pm (AEST/AEDT) or email claims.administration@mlc.com.au to find out what you need to do. If you need to make a claim let us know as soon as possible so we can start working on your claim. Any delay could make it difficult 22 23

DEFINITIONS Key terms explained To help you read this we have listed some key definitions for terms that have been used throughout this PDS. ‘activities of daily living’ means that the cardholder is considered to be disabled if, as a result of injury or sickness, the cardholder : (a) is continuously and totally unable to do any two or more of the following groups of activities of daily living without the physical help of someone else: • bathing or showering • dressing • moving from place to place, into and out of bed, and into and out of a chair • eating and drinking, or • using the toilet. or (b) has a severe cognitive impairment (with a score of 15 or less out of 30 in a Mini Mental State Examination) which leads to a need for continuous supervision to protect the cardholder or other people. ‘additional card’ means a NAB credit card issued to an additional cardholder . ‘additional cardholder’ means any person nominated by the primary cardholder to be an additional cardholder on the primary cardholder’s NAB credit card account , and who has been issued an additional card by NAB . ‘Australian resident’ means a person who resides in Australia, and is either an Australian or New Zealand citizen or the holder of a permanent resident’s visa. ‘benign brain tumour’ means the presence of a non-cancerous tumour of the brain or spinal cord which is histologically confirmed and results in: • at least 25% permanent impairment of the Whole Person Function, or • the undergoing of neurological intervention for its removal. The following are excluded: • intracranial cysts, granulomas and hematomas • intracranial malformation in or of the arteries and veins, and • tumours of the pituitary gland. 7.7 PDS and policy changes The information in this PDS may change from time to time. We’ll write to let you know about any changes we make that are materially adverse. Information about any other changes will available online at nab.com.au/insurance . You can also call us on 13 22 95 and we’ll send you a free paper copy of the information. We’ll also let you know if we change the terms and conditions to improve the benefits under your policy . 7.8 Tax If you’re the policy owner of this type of insurance, generally the premium is not tax deductible and benefits paid under the policy are not assessable. The information is of a general nature only, and we recommend that you seek professional advice regarding your own taxation position. In addition, you may obtain information from the Australian Taxation Office at ato.gov.au . 24 25

‘closing date’ means the date shown on a statement of account as the last day of the statement period for that statement of account. ‘coronary artery bypass surgery’ means the surgical grafting of a bypass to a coronary artery to overcome narrowing or obstruction. It does not include coronary artery angioplasty, intra-arterial procedures or other non-surgical procedures. ‘critical illness’ means the confirmed diagnosis, by a registered medical practitioner and by our medical adviser, (or for surgical conditions after confirmation the surgery has happened), of one or more of the defined critical illnesses, being benign brain tumour , cancer - excluding specified early stage cancers , chronic kidney failure (chronic renal failure) , coronary artery bypass surgery , heart attack – with evidence of severe heart muscle damage , major organ transplant surgery , motor neurone disease , multiple sclerosis , paralysis , and stroke – in the brain and of specified severity . (‘ critically ill ’ has a corresponding meaning) ‘disablement’ the definition of disablement varies according to the cardholder’s employment status: (a) if the cardholder is gainfully employed immediately before the date of the cardholder’s disablement, then the cardholder will be considered to be disabled if, as a result of injury or sickness, the cardholder is continuously and totally unable to carry out all the normal duties of the cardholder’s usual occupation, or (b) if the cardholder is unemployed or not gainfully employed immediately before the date of the cardholder’s disablement, then the cardholder will be assessed under the activities of daily living definition. ( disability and disabled have corresponding meanings) ‘cancer - excluding specified early stage cancers’ The presence of one or more malignant tumours, leukaemia or lymphomas. The following are excluded: • Chronic lymphocytic leukaemia in its early stages (less than RAI stage 1). • Prostate cancer which is histologically described as TNM classification T1(a) or (b) or another equivalent or lesser classification with a Gleason score of 5 or less unless: – the person insured is required to undertake major interventionist therapy including radiotherapy, brachytherapy, chemotherapy, biological response modifiers or any other major treatment, or – the tumour is completely untreatable. • Carcinoma in situ, cervical dysplasia CIN1, CIN2, and CIN3, or premalignant tumours. • Carcinoma in situ of the breast, except where it leads to the removal of the breast by a mastectomy or removal of the carcinoma in situ by breast conserving surgery (lumpectomy, complete local excision, wide local excision, partial mastectomy), together with radiotherapy or chemotherapy. The procedure must be performed as a direct result of the carcinoma in situ and specifically to arrest the spread of malignancy, and be considered the necessary and appropriate treatment. • Skin cancer other than melanoma that: – shows signs of ulceration as determined by histological examination, or – is greater than 1.0 mm thick, or – is at least Clark Level 3 of invasion. • Hyperkeratosis or basal cell skin carcinoma. • Squamous cell skin carcinoma unless it has spread to other organs. • All non-melanoma skin cancers unless having spread to the bone, lymph node, or an other distant organ. ‘cardholder’ means the primary cardholder or an additional cardholder . ‘chronic kidney failure (chronic renal failure)’ means the final stage of kidney disease that requires permanent dialysis or a transplant. 26 27

‘insured event’ means the events covered under this policy , as listed on pages 8 to 19 of this PDS. ‘involuntary unemployment’ means a period during which the cardholder is not working, and is actively seeking employment, and is registered with Centrelink or other Government approved job placement agency as a job seeker or otherwise actively seeking work, commencing on the date of registration and continuing during such period as the cardholder is not working for earnings, payment or profit. The unemployment must be a result of one of the following events: • the termination of the cardholder’s gainful employment by the cardholder’s employer • being made redundant from the cardholder’s gainful employment by the cardholder’s employer • if the cardholder is self-employed or a partner in a business partnership, the business ceasing trading permanently due to actual or imminent insolvency or business factors beyond the cardholder’s reasonable control and the business being wound up or placed in the control of an insolvency administrator, or • if the cardholder is a partner in a business partnership, the cardholder’s status as a partner being discontinued without the cardholder’s actual or implied consent, agreement or approval (for example, against the cardholder’s consent the cardholder is forced out of the partnership) and the cardholder ceasing to work with that business. ( involuntarily unemployed has a corresponding meaning) ‘major organ transplant’ means the transplant of any of the following whole organs from a human donor to the cardholder : • kidney • lung • liver • pancreas • heart, or • the transplantation of bone marrow. ‘MLC’ means MLC Limited ABN 90 000 000 402 AFSL 230694 . ‘employed by the cardholder’s family’ means employed by an employer which is not a listed public company or a related body corporate of a listed public company, and in which an immediate family member of the cardholder is or was either: • a director, majority shareholder or partner of the employer, or • in control of the employer, immediately or within 30 days before the cardholder became involuntarily unemployed . ‘gainfully employed’ means the cardholder is working and employed in the one occupation for at least 15 hours per week and has been so employed on a continuous basis for six months or more. ( ‘gainful employment’ has a corresponding meaning) ‘heart attack - with evidence of severe heart muscle damage’ Heart Attack (Myocardial Infarction) means the death of part of the heart muscle because of inadequate blood supply, confirmed by a Cardiologist and evidenced by: • typical rise and/or fall of cardiac biomarkers with at least one value above the 99th percentile of the upper reference range together with any one of the following: – new serial ECG changes showing the development of any one of the following: o ST elevation o left bundle branch block (LBBB), or o pathological Q waves, or – imaging evidence of new and irreversible: o loss of viable myocardium, or o regional wall motion abnormality, or – left ventricular ejection fraction less than 50%, at least three months after the event. Elevated biomarkers that arise from causes other than heart attack are excluded, including those as a result of elective percutaneous procedures and other acute coronary syndromes. If the above tests are inconclusive or superseded by technological advances, we’ll consider other appropriate and medically recognised tests. ‘immediate family member’ means a cardholder’s spouse, de facto spouse, parent, child, sibling or grandparent. 28 29

‘monthly benefit’ means 25% of the outstanding balance at the date of disablement or involuntary unemployment . ‘motor neurone disease’ means the progressive weakening and wasting of the muscles of the body. The unequivocal diagnosis of motor neurone disease must be certain and supported by neurological investigations. ‘multiple sclerosis’ means the progressive destruction of the insulating layer of myelin in the brain and spinal cord. The unequivocal diagnosis of multiple sclerosis must be by a consultant neurologist. There must be more than one episode of defined neurological deficit with persistent abnormalities. Neurological investigation such as lumbar puncture, MRI (Magnetic Response Imaging), evidence of lesions in the central nervous systems and evoked visual responses are required to confirm diagnosis. ‘ NAB ’ means the National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 . ‘NAB credit card account’ means the NAB personal credit card account or any replacement/ substituted NAB credit card account to which your policy applies. ‘outstanding balance’ means the unpaid balance owing to NAB under the terms of the agreement for your NAB credit card account . ‘paralysis’ means the total and permanent loss of the function of two or more limbs caused by damage to the nervous system. ‘policy’ means the contract of insurance between you and us. ‘policy schedule’ means the policy schedule issued for your policy . ‘pre-existing condition’ means injury, illness, condition or symptom that the cardholder : (a) was aware of, or a reasonable person in the cardholder’s position should have been aware of, and (b) would have, or should have, sought advice or treatment from a registered medical practitioner or other health professional for (in circumstances where a reasonable person in the cardholder’s position would have sought advice or treatment) in the 12 months prior to the cardholder’s start date. For example, if the cardholder had a shoulder injury within the 12 months prior to the cardholder’s start date , the cardholder will not be covered under the policy for that shoulder injury or any death, illness or injury related to that shoulder injury. If the cardholder was diagnosed with a melanoma three years prior to their start date , then the cardholder will not be covered under the policy for the melanoma or any death, illness or injury related to that condition if the cardholder sought advice or treatment for the melanoma within the 12 months prior to the cardholder’s start date. If during the 12 months prior to the start date , the cardholder was undertaking routine skin examinations to ensure the melanoma had not re-appeared and as long as those skin examinations showed no presence of the melanoma then this will not be deemed as seeking advice or treatment and the pre-existing condition exclusion will not apply. ‘premium’ means the necessary payment by you to maintain cover under your policy . ‘primary cardholder’ means the cardholder of the NAB credit card account who has entered into the credit contract for that account with NAB . ‘registered medical practitioner’ means a registered and qualified medical practitioner and includes a specialist medical practitioner who is recognised and qualified to provide a diagnosis as a specialist, and who is not the cardholder or spouse of, or related to, the cardholder . ‘relevant balance’ means the amount shown on your NAB credit card account statement as the ‘Closing Balance’ for the statement period , adjusted so it does not take into account of any debit or credit transactions appearing after the premium charge, and less the amount of any premium charged in that statement period . ‘self-employed’ means where the cardholder is employed by an employer which is not a listed public company or a related body corporate of a listed public company, and the cardholder is or was either: • a director, majority shareholder or partner of the employer, or • in control of the employer, immediately or within 30 days before the cardholder became involuntarily unemployed . 30 31

PRIVACY We collect your personal information from you directly wherever we can, but in some cases we may collect it from third parties such as your adviser, your employer, medical professionals or medical facilities. We do this to determine your eligibility for, and to administer your insurance. If personal information is not provided, we may not be able to provide you with the insurance cover available through this product or administer it appropriately. Government regulations require some information to be collected including company and tax laws. We may disclose your personal information to third parties including our parent company Nippon Life Insurance Company, those involved in managing or administering any aspect of your product, and to National Australia Bank Limited and its related bodies corporate who either distribute or are involved in the administration and maintenance of our life insurance products. For more information refer to mlcinsurance.com.au/privacy-notification We may also need to disclose your information with organisations outside Australia. We may use your personal information to contact you about products and for marketing activities. You can let us know, at any time, if you no longer wish to receive these direct marketing offers by contacting us. More information about how we collect, use, disclose and handle your personal information, how you can access, correct your personal information and how you can make a complaint about a privacy issue is in our Privacy Policy which is available at mlcinsurance.com.au/privacy-policy or by contacting us on 13 22 95 (Hearing impaired customers can call TTY 13 36 77). ‘start date’ means for: • the primary cardholder , the date your policy will commence, as noted on your policy schedule or as notified to you by MLC in writing. • an additional cardholder , the following: (i) if the primary cardholder’s start date was before 10 June 2011 and the additional cardholder was an additional cardholder on 10 June 2011 – the date is 10 June 2011 (ii) if the primary cardholder’s start date is on or after 10 June 2011 and the additional cardholder was an additional cardholder on the primary cardholder’s start date – the date is the same as the primary cardholder’s start date, or (iii) if the additional cardholder became an additional cardholder on or after 10 June 2011 – the date is the later of the primary cardholder’s start date or the date the additional cardholder became an additional cardholder . ‘statement period’ means the period specified as such on your NAB credit card account statement. ‘stroke – in the brain and of specified severity’ An incident in the blood vessels of the brain or bleeding in the brain leading to neurological effects that last for at least 24 hours. There must be clear evidence on a CT, MRI or similar scan that a stroke has occurred. Transient ischaemic attacks, symptoms due to migraine, vascular disease of the optic nerve, physical head injury, reversible neurological deficit or any blood vessel incident outside the cranium, except embolism resulting in stroke, are excluded. 32 33

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For more information about NAB Credit Card Cover call 13 22 95 8am – 6pm (AEST/AEDT) Monday to Friday or visit nab.com.au MLC Limited postal address: PO Box 200 North Sydney NSW 2059 Hearing impaired people with telephone typewriters can contact us on 1300 363 647 © 2018 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 MLCL200361-0418

Source: https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/qantas-rewards-tcs.pdf

NAB Qantas Credit Card Account Reward Terms and Conditions Effective 01 October 2026

Contents

How this document works 1
Our promise to you 1
Qantas Frequent Flyer Program 2
Getting started 3
How can Qantas Points be earned and used? 4
Qantas Bonus Points 7
What transactions don’t earn Qantas Points? 9
What reduces your Qantas Points balance? 10
Statements 12
Crediting Qantas Points to a Qantas Frequent Flyer Membership Account 12
Cancelling a card or closing your NAB Qantas Card Account 14
Tax matters 14
Use of information 14
Termination of NAB Qantas Rewards Program 15
Redeeming Qantas Points for rewards 15
Changes to these terms and conditions 16
Notices 16
Important things you should know 18
What some words mean 18

How this document works a. These NAB Qantas Reward Terms and Conditions explain how: i) you can earn Qantas Points using a NAB Qantas Card; and ii) you can have Qantas Points credited to your Qantas Frequent Flyer Membership Account. b. Please make sure you read these NAB Qantas Reward Terms and Conditions before the NAB Qantas Card Account is used. If you have any questions just Call Us. c. These NAB Qantas Reward Terms and Conditions will apply to you if you have been issued with a NAB Qantas Credit Card. d. You accept these NAB Qantas Reward Terms and Conditions when you first use the NAB Qantas Card Account or any NAB Qantas Credit Card issued in connection with your Card Account. e. The NAB Credit Card Terms and Conditions may also contain provisions about what happens if a rewards program like NAB Qantas Rewards is terminated.
Our promise to you We will act reasonably and fairly towards you. That includes whenever we are: a. considering any request you make; b. deciding whether to give our consent or to exercise a right, discretion or remedy; or c. setting any conditions for doing any of those things; or d. making changes under clause 16 or anywhere else in these NAB Qantas Rewards Terms and Conditions.

2 Examples of how we will take reasonable steps to ensure you are treated fairly include giving you reasonable notice of changes and making adjustments to your Qantas Points balance. It’s worth noting that even if we don’t make a decision or do something straight away, we may still do so later on. This includes where we delay or defer doing so, or we temporarily waive a requirement. 3. Qantas Frequent Flyer Program 3.1 Earning Qantas Points through Qantas a. These NAB Qantas Reward Terms and Conditions: i) do not set out or replace the full terms of the Qantas Frequent Flyer Program; and ii) supplement the Qantas Frequent Flyer Terms and Conditions by explaining how the use of your NAB Qantas Cards for eligible transactions can earn Qantas Points. b. You should read the Qantas Frequent Flyer Terms and Conditions with these terms and conditions. They contain additional information about membership of the Qantas Frequent Flyer Program and how Qantas Points are earned. For example, a member of the Qantas Frequent Flyer Program may earn Qantas Points under the Qantas Frequent Flyer Program by purchasing and taking flights with Qantas. c. For a copy of the Qantas Frequent Flyer Terms and Conditions and information about membership of the Qantas Frequent Flyer Program, please visit qantas.com/frequentflyer . 3.2 Earning Qantas Points by using a NAB Qantas Card a. When you use your NAB Qantas Card or NAB Qantas Card Account, you earn points. Qantas Points earned will be credited to your Qantas Frequent Flyer Membership Account.

3 b. Points are credited to you, not to additional cardholders. Any Points earned through the use of additional cards on your NAB Qantas Card Account will be credited to your Membership Account. Points are earned on Net Purchases during a Card Account statement (“statement”) period in accordance with the rates and methods of calculation set out at 5.3. c. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can start participating in the NAB Qantas Rewards program. You will only earn Qantas Points and have the points credited to your Qantas Frequent Flyer Membership Account after you advise us of your correct Qantas Frequent Flyer Program membership number, for eligible transactions made after this date. If you are not already a member of the Qantas Frequent Flyer Program, you must separately apply for membership of that program. A joining fee may apply. Establishing the NAB Qantas Card Account or issuing a NAB Qantas Card does not result in you obtaining membership to the Qantas Frequent Flyer Program. 4. Getting started 4.1 You must provide Membership Information You must supply us with your Membership Information to enable Qantas Points earned using your NAB Qantas Card Account to be credited to your Qantas Frequent Flyer Membership Account. 4.2 Membership Information you provide must be accurate You must ensure that you provide us with accurate Membership Information. If you do not (or if you are not a member of the Qantas Frequent Flyer Program), we will not be able to credit Qantas Points to your Qantas Frequent Flyer Membership Account.

4 If there is a discrepancy between your Membership Information (as held by the Qantas Frequent Flyer Program) and the personal information held by us in relation to your NAB Qantas Card Account, you agree, if requested, to amend your Membership Information held by the Qantas Frequent Flyer Program so that it is accurate and matches the personal information held by us. 4.3 When and how you provide Membership Information to us You may provide Membership Information to us at the time you: a. apply for a NAB Qantas Card Account; b. request us to issue a NAB Qantas Card; or Otherwise you can Call Us to provide Membership Information. To confirm your Qantas Frequent Flyer Program membership and to facilitate the crediting of Qantas Points to your Qantas Frequent Flyer Membership Account, we will give to Qantas and Qantas will give to us your Membership Information. 5. How can Qantas Points be earned and used? 5.1 What are Qantas Points? a. Qantas Points and Qantas Bonus Points can be redeemed for various rewards available under the Qantas Frequent Flyer Terms and Conditions. For further information, please see the Qantas Frequent Flyer Terms and Conditions or visit qantas.com/terms . b. Qantas Points are rewarded for each eligible transaction (subject to Net Purchase calculations as described in clause 5.3) debited to your NAB Qantas Card Account (clause 7 describes transactions that don’t earn Qantas Points). c. Qantas Bonus Points are awarded under the terms of applicable promotional material. Qantas Bonus Points are described in clause 6.

5 5.2 How to earn Qantas Points a. Qantas Points earned from use of your NAB Qantas Card Account (under 5.3) are credited to your Qantas Frequent Flyer Membership Account. b. Qantas Points are earned on Net Purchases during the Card Statement Period according to the rates and methods of calculation set out in clause 5.3. 5.3 Calculation of Qantas Points a. Qantas Points are earned using your NAB Qantas Card Account as follows, Qantas Points: i) are calculated on Net Purchases at the end of a Card Statement Period and rounded up to the nearest whole Qantas Point (Qantas Points are awarded in whole numbers only). ii) are calculated on the Australian dollar amount of Net Purchases that appear on your Card Statement. iii) you earn for each dollar of Net Purchases will depend on the type of NAB Qantas Card Account you have (i.e. NAB Qantas Rewards Card or NAB Qantas Rewards Signature Card). b. Qantas Points earned on Net Purchases in a Card Statement Period are capped as set out in the tables below: NAB Qantas Rewards Premium Card Net Purchases Visa For the first $3,000 ($0 - $3,000) per statement period 1 Point per $2 For the next $3,000 ($3,001 - $6,000) per statement period 1 Point per $4 International Spend transactions per statement period (uncapped) 1 Point per $2

6 NAB Qantas Rewards Signature Card Net Purchases Visa For the first $3,000 ($0 - $3,000) per statement period 0.75 Point per $1 For the next $12,000 ($3,001 - $15,000) per statement period 0.25 Point per $1 International Spend transactions per statement period (uncapped) 0.5 Points per $1 c. Sales credits or other adjustments will be used to calculate Net Purchases for the Card Statement Period when the sales credit or other adjustments were processed. d. The adjustment to the calculation of Net Purchases will depend on the card type used for the sales credit or other adjustment. The card type used for the sales credit or other adjustment must be the same as used for the original purchase. e. Qantas Points will not be credited to your Qantas Frequent Flyer Membership Account if the amount of Net Purchases in a Card Statement Period is a negative amount. If the calculation of Net Purchases for a Card Statement Period results in a negative amount, this amount will be carried forward and set off against the amount of Net Purchases in subsequent Card Statement Periods until such time as there is a positive amount of Net Purchases for a Card Statement Period which can be credited to your Qantas Frequent Flyer Membership Account. 5.4 Can anyone sell or transfer Qantas Points? Qantas Points may not be sold or transferred unless permitted by the Qantas Frequent Flyer Terms and Conditions.

7 6. Qantas Bonus Points 6.1 What are Qantas Bonus Points? a. Qantas Bonus Points are Qantas Points that are earned by using a NAB Qantas Card at specific retail outlets in addition to Qantas Points earned under clause 5. Subject to the terms and conditions of any specific promotion, Qantas Bonus Points are the same as other Qantas Points and will be treated under this agreement as if they are Qantas Points. Once Qantas Bonus Points are credited to your Qantas Frequent Flyer Membership Account, they do not provide you with any additional benefits. b. There is no limit to the number of Qantas Bonus Points that can be earned in a Card Statement Period. 6.2 How are Qantas Bonus Points earned? a. Special promotions offered from time to time by us or a Qantas Bonus Points provider may allow Qantas Bonus Points to be earned. The conditions applying to Qantas Bonus Points (including the method of calculating Qantas Bonus Points) will be provided at the time of the promotion. b. We may, from time to time in our marketing and promotional materials, identify Qantas Bonus Points that are available for you to earn. The marketing and promotional materials will tell you when these Qantas Bonus Points will be credited to your Qantas Frequent Flyer Membership Account. 6.3 Bonus Points on selected Qantas services a. In addition, you will earn 1 Qantas Bonus Point for every dollar charged to your NAB Qantas Card Account for the purchase in Australia of the following services directly from Qantas (i.e. where Qantas, and not its agent, is identified as the merchant on the credit card transaction): i) Qantas flights booked directly through qantas.com and Qantas Contact Centres;

8 ii) Qantas flights booked through selected travel agents but processed with Qantas Airlines identified to card scheme as the relevant merchant; iii) purchases of Qantas Frequent Flyer membership; iv) purchases of Qantas Club membership, joining and annual fees; v) purchases of Qantas Gift Vouchers; and vi) purchases made through qantasstore.com.au , qantasshop.com.au and qantasepiqure.com.au . b. Unless otherwise notified, Qantas Bonus Points will not be earned in relation to purchases from: Qantas Freight; Qantas Holidays Limited; Qantas Business Travel Pty Limited; other businesses or franchisees of Jetset Travelworld Ltd; Qantas Staff Travel; Jetstar Airways Pty Limited; or other Jetstar-branded businesses, or for goods or services supplied by Qantas Frequent Flyer program partners. c. If a sales credit or other adjustment is made in respect of a purchase on which Qantas Bonus Points were earned, an adjustment will be made to the Qantas Bonus Points earned for the Card Statement Period when the credit or other adjustments was processed. d. Qantas Bonus Points will not be credited to your Qantas Frequent Flyer Membership Account if the amount of Qantas Bonus Points in a Card Statement Period is a negative amount. If the calculation of Qantas Bonus Points for a Card Statement Period results in a negative amount, this amount will be carried forward and set off against the amount of Qantas Bonus Points in subsequent Card Statement Periods until such time as there is a positive amount of Qantas Bonus Points for a Card Statement Period which can be credited to your Qantas Frequent Flyer Membership Account.

9 7. What transactions don’t earn Qantas Points? 7.1 What transactions don’t earn Qantas Points and Qantas Bonus Points There are some transactions which can be made using a NAB Qantas Card Account which won’t earn Qantas Points because they aren’t eligible. They are: a. cash advances (which include bills paid over the counter at a bank, financial institution or post office, and the purchase of travellers cheques); b. fees, charges and interest (including any GST payable on any of these) applicable to your NAB Qantas Card Account or use of the NAB Qantas Card; c. for a Personal Rewards Card Account, government related payments (includes transactions with Australian and overseas government entities, semi-government entities, or related agencies - for example, but not limited to, Australia Post, council rates, motor registries, fines, and court costs). Classification as a government-related transaction is based on merchant or financial institution data, so some businesses may be treated as government- related even if they are not; d. balance transfers, except where Qantas Bonus Points may be earned under a special promotion specifically for balance transfers; e. where a NAB Qantas Card used to access linked transaction accounts; f. purchase of foreign exchange or travellers cheques and money orders; g. transactions for gambling and gaming purposes (examples include purchase of lottery tickets, purchases of gaming chips or tokens and online gambling); h. unauthorised purchases for which you are not liable;

10 i. any transactions where your NAB Qantas Card Account is, or is reasonably believed by us to be, operated fraudulently, except where you reasonably demonstrate that your NAB Qantas Card Account was not operated fraudulently; j. transactions made while your NAB Qantas Card Account is in arrears, suspension or default; k. transactions where you use your Card Account to make a payment to the Australian Taxation Office (ATO); l. transactions where you use your Card Account to make purchases through B PAY® ; m. transactions NAB decides (acting reasonably) are wholly or partly for a business purpose; or n. transactions described in clause 8.2. The basis on which we credit Qantas Points earned to your Qantas Frequent Flyer Membership Account is set out in clause 10. 7.2 What additional transactions don’t earn Qantas Bonus Points Only transactions referred to in clause 6.3 earn Qantas Bonus Points. Some transactions will not earn Qantas Bonus Points, for example, transactions involving Jetstar or Qantas Holidays. The terms of the Qantas Rewards Program and information available from the relevant merchant may give you additional clarification about whether Qantas Bonus Points are earned. If the balance of Qantas Bonus Points earned in a Card Statement Period is negative, the negative balance will be carried forward and set off against the amount of Qantas Bonus Points in subsequent Card Statement Periods until such time as there is a positive amount of Qantas Bonus Points for a Card Statement Period which can be credit to a Qantas Frequent Flyer Membership Account.

11 8. What reduces your Qantas Points balance? 8.1 Things we will do We will reduce your Qantas Points balance when: a. there is a refund or reimbursement for a transaction previously charged to your NAB Qantas Card Account and a credit is processed to the same NAB Qantas Card Account. This may happen for a number of reasons but usually for returned goods or services; b. there is a charge back to your NAB Qantas Card Account under your NAB Qantas Card Account terms and conditions (for example, when you dispute a transaction charged to your NAB Qantas Card Account that results in a credit to your NAB Qantas Card Account); c. there have been unauthorised transactions on your NAB Qantas Card Account for which you are not liable; d. Qantas Points were incorrectly allocated to your Qantas Points balance; or e. we reasonably believe you or a Cardholder have behaved fraudulently in connection with Qantas Points and you are not entitled to Qantas Points earned. When this happens the Qantas Points balance will be reduced by the Qantas Points value of the credit amount or adjustment. This will be done progressively by not crediting Qantas Points earned in subsequent periods until the value of the Qantas Points that should not have been credited to the Qantas Frequent Flyer Membership Account have been recouped. The Qantas Points value will be calculated using the rate at which Qantas Points are allocated for transactions to your NAB Qantas Card Account at the time the credit amount or adjustment was processed by us. However, if there is a change in the rate at which Qantas Points are earned, we will take reasonable steps to ensure you are no worse off when we calculate the Qantas Points value for the credit amount or adjustment. 8.2 Things we may do

12 We may reduce your Qantas Points balance or not award Qantas Points to the extent an otherwise eligible transaction: a. results in the credit limit on the NAB Qantas Card Account being exceeded; or b. is debited against credit funds in the NAB Qantas Card Account. When this happens the Qantas Points balance will be reduced by the Qantas Points value of the debited amount to the extent it exceeds the credit limit or is debited against credit funds. This will be done progressively by not crediting Qantas Points earned in subsequent periods until the value of the Qantas Points that should not have been credited to the Qantas Frequent Flyer Membership Account have been recouped. The Qantas Points value will be calculated using the rate at which Qantas Points are allocated for transactions to your NAB Qantas Card Account at the time the credit amount or adjustment was processed by us. However, if there is a change in the rate at which Qantas Points are earned, we will take reasonable steps to ensure you are no worse off when we calculate the Qantas Points value for the credit amount or adjustment. 9. Statements Each Monthly Card Statement issued in accordance with your NAB Qantas Card Account terms and conditions, will set out: a. the number of Qantas Points earned from the use of your NAB Qantas Card Account during the applicable Card Statement Period; b. the total of Qantas Points to be credited to your Qantas Frequent Flyer Membership Account during that Card Statement Period; and c. any Qantas Bonus Points you have earned.

13 10. Crediting Qantas Points to a Qantas Frequent Flyer Membership Account 10.1 When Qantas Points are credited to your Qantas Frequent Flyer Membership Account a. Qantas Points and Qantas Bonus Points can only be credit to you if you have provided us with valid Membership Information for your Qantas Frequent Flyer Membership Account - see clause 4. b. Once you provide NAB with your Membership Information: i) Qantas Points (including Qantas Bonus Points earned in a Card Statement Period will be credited to your Qantas Frequent Flyer Membership Account within two Business Days following the closing date of each Card Statement Period. ii) Qantas Bonus Points will be credited to your Qantas Frequent Flyer Membership Account as advised by us in the relevant marketing and promotional material that relates to your Qantas Bonus Points offer. Once credited to your Qantas Frequent Flyer Membership Account, Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. However, we reserve the right not to credit your Qantas Frequent Flyer membership Account where your NAB Qantas Card or NAB Qantas Card Account are blocked to activity. Examples of when this can occur include when your NAB Qantas Card or NAB Qantas Card Account are in arrears, suspended, closed or in default under your NAB Qantas Card Account terms and conditions. 10.2 When Qantas Points are not credited to your Qantas Frequent Flyer Membership Account Qantas Points will not be credited to your Qantas Frequent Flyer Membership Account if: a. you cease to be a member of the Qantas Frequent Flyer Program;

14 b. you did not provide us with valid Membership Information (e.g. the Qantas Frequent Flyer program membership number you supplied to us is incorrect or not current); or c. your first name or surname on your Qantas Frequent Flyer Membership Account do not match those on your NAB Qantas Card Account. 11. Cancelling a card or closing your NAB Qantas Card Account If you request cancellation of your NAB Qantas Card or we cancel your NAB Qantas Card (for example, if you are in default), any Qantas Points (including any Qantas Bonus Points) not yet credited to your Qantas Frequent Flyer Membership Account at the time of cancellation may be forfeited. If the NAB Qantas Card Account is closed by you or us (for example, if you are in default), any Qantas Points (including any Qantas Bonus Points) not yet credited to your Qantas Frequent Flyer Membership Account at the time of the closure may be forfeited. If you wish to cancel your NAB Qantas Card or close your NAB Qantas Card Account (including because of a change we make under clause 16), you should consider the timing of your request so that any accrued Qantas Points have been credited to your Qantas Frequent Flyer Membership Account before the cancellation or closure (see clause 10.1 b)). 12. Tax matters We recommend that you seek independent tax advice about the tax consequences (including any fringe benefits tax, goods and services tax, income tax or reporting requirements) arising from the use of this NAB Qantas Card Account or NAB Qantas Card, or from participating in the Qantas Frequent Flyer Program or from using any of the rewards or other available program facilities.

15 13. Use of information a. You may provide your Membership Information to NAB at the time of application for a NAB Qantas Card Account or where you already have a NAB Qantas Card Account, you can provide your Membership Information to NAB by calling 13 22 65 or in any other manner acceptable to NAB. b. To confirm your Qantas Frequent Flyer program membership and to facilitate the crediting of Points to your Membership Account, NAB will give to Qantas and Qantas will give to NAB your Qantas Frequent Flyer program membership number, full name and contact details. 14. Termination of NAB Qantas Rewards Program If reasonably necessary for business reasons, we may terminate these NAB Qantas Reward Terms and Conditions at any time in respect of your NAB Qantas Card Account or NAB Qantas Card Accounts generally. We may notify you prior to or after the termination. a. Where possible, we will give you at least 90 days’ prior notice of the termination. b. If we give you notice, then where possible Qantas Points (including any Qantas Bonus Points) will continue to be credited to your Qantas Frequent Flyer Membership Account after the termination in relation to transactions that occurred prior to the date of termination (but only if we received notice of the transaction within 90 days after the date of termination). 15. Redeeming Qantas Points for rewards You may redeem Qantas Points and Qantas Bonus Points credited to your Qantas Frequent Flyer Membership Account under the Qantas Frequent Flyer Terms and Conditions. Except to the extent the loss or damage is caused by our fraud, negligence or misconduct, we are not responsible for:

16 a. any rewards that you redeem under the Qantas Frequent Flyer Program; b. any death or injury, loss or damage from a reward; c. the loss, theft or destruction of a reward or a rewards voucher; or d. resolving any dispute with Qantas or any other rewards provider who provides rewards under the Qantas Frequent Flyer Program or for the dispute itself. 16. Changes to these terms and conditions a. We may change these NAB Qantas Reward Terms and Conditions as follows: Change Notification period Change in the way you earn Qantas Points, including a change to existing ways or the introduction of new ways according to the type of card At any time without prior notice (but if the change is unfavourable, we will try to publish details before the change takes effect, if we are able to do so). We will make current information about the way to earn Qantas Points using NAB Qantas Rewards Premium Card and NAB Qantas Rewards Signature Card available on nab.com.au Change to allocation of Qantas Points for dollar spent At any time by giving you at least 30 days prior written notice Change the period for expiry of Qantas Points At any time by giving you at least 30 days prior written notice Change the format and frequency of statements At any time without notice Other changes by us At any time by giving you at least 30 days prior written notice b. Please note that Qantas may make changes to the Qantas Frequent Flyer Program in accordance with the Qantas Frequent Flyer Terms and Conditions.

17 17. Notices a) Communicating with you We may need to send you communications from time to time. We call these ‘notices’ – and they include terms and conditions, statements, notices about your account or changes to our agreement, or other documents and communications. We can give you notices in the ways described ‘In writing’ below. In addition, we can give you notice by the ‘By publication’ method described also described below. In writing By Post We may send you a notice by post to your postal address recorded on our file – so, let us know if your postal address changes. Sometimes, a notice may be a message in your Monthly Card Statement. We consider the notice received on the date on the notice or when it would have been delivered in the ordinary course of post, whichever is later. Electronic Communication We can communicate with you by providing notices by electronic methods (as permitted by law). These methods may include: email, SMS, a message in your Monthly Card Statement, or through NAB Internet Banking or the NAB app. If we communicate with you by email or SMS, we will use the email address or mobile phone number recorded on our file. We consider the notice received on the date on the notice or when it reaches the addressee’s electronic address, whichever is later. You’ll need to regularly check your electronic communication for any notices we’ve sent you – and let us know if you change your contact details, such as your email address or mobile phone number.

18 By publication Electronically We may publish notices electronically and notify you that we have done this. This includes publishing the notice in NAB Internet Banking, the NAB app, in your Monthly Card Statement or on our website, in which case we will usually let you know by SMS or email that the notice is available to view. We consider the notice received when we let you know that the notice is available for viewing. b) Communicating with us If you need to contact us regarding these NAB Qantas Reward Terms and Conditions or for information about resolving problems and disputes, please use the contact details provided at the back of this document. 18. Important things you should know You may only link your NAB Qantas Card Account to a Qantas Frequent Flyer Membership Account that is held in your name. A NAB Qantas Card Account can only be linked to one Qantas Frequent Flyer Membership Account. 19. What some words mean Term Definition Business Days means a day other than a Saturday or Sunday or a day gazetted as a public holiday throughout Australia Call Us means using the contact telephone numbers below to contact us: for general enquiries – 13 22 65 Cardholder means a person you have nominated to be a Cardholder on your NAB Qantas Card Account in accordance with the relevant NAB Qantas Card Account terms and conditions Card Statement Period means the time period shown on the statement issued in connection with a NAB Qantas Card

19 Term Definition Membership Information means, for a Qantas Points Earner, their: a) membership number under the Qantas Frequent Flyer Program; b first name; and c) surname Monthly Card Statement means the statement of account issued to you in accordance with the relevant NAB Qantas Card account terms and conditions NAB Qantas Card means: a) a NAB Qantas Rewards Premium Card; or b) a NAB Qantas Rewards Signature Card. NAB Qantas Card Account means: a) a NAB Qantas Rewards Premium Card Account; or b) a NAB Qantas Rewards Signature Card Account. NAB Qantas Rewards Premium Card means a card issued by us in connection with your NAB Qantas Rewards Premium Card Account NAB Qantas Rewards Premium Card Account means the card account for the purposes of these NAB Qantas Reward Terms and Conditions and Qantas Points, in respect of which a NAB Qantas Rewards Premium Card is issued NAB Qantas Rewards Signature Card means a card issued by us in connection with your NAB Qantas Rewards Signature Card Account NAB Qantas Rewards Signature Card Account means the card account for the purposes of these NAB Qantas Reward Terms and Conditions and Qantas Points, in respect of which a NAB Qantas Rewards Signature Card is issued Net Purchases means the total purchases less sales credits (e.g., returns) and other adjustments applicable to the card during the Card Statement Period Qantas means Qantas Airways Limited ABN 16 009 661 901, or a Related Body Corporate (as that term is defined in the as defined in the Corporations Act 2001) of it NAB Qantas Rewards Terms and Conditions means these terms and conditions

20 Term Definition Qantas Frequent Flyer Program means the loyalty rewards program operated under that name by Qantas Qantas Frequent Flyer Terms and Conditions means Qantas’s terms and conditions applied it to the Qantas Frequent Flyer Program Qantas Frequent Flyer Membership Account means a Qantas Frequent Flyer Program Qantas Frequent Flyer Membership Account notified to us from time to time as being a Qantas Frequent Flyer Membership Account for the purposes of these NAB Qantas Rewards Terms and Conditions Qantas Bonus Points means the Qantas Points earned on eligible transactions in accordance with clause 6 Qantas Points means the Qantas Points earned on eligible transactions in accordance with clauses 5 and 6, and includes Qantas Bonus Points Related Body Corporate as defined in the Corporations Act 2001 we, us, our and NAB means National Australia Bank Limited ABN 12 004 044 937 you or your means the person in whose name the NAB Qantas Card Account is kept and who is responsible for all transactions on the NAB Qantas Card Account

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CONTACT US CALL US 13 22 65 Lost/Stolen Card Reporting in Australia 24 hours per day 1800 033 103 Overseas NAB +61 3 8641 9121 Visa +1 303 967 1090 Help for people with hearing or speech communication difficulties. Contact us on 13 22 65 through the National Relay Service. © 2026 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 67571A0826

Source: https://www.nab.com.au/content/nabrwd/en/personal/credit-cards/fees-charges.html

Personal NAB credit card fees and charges - NAB

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NAB credit card fees and charges

A guide to our personal NAB credit card fees and charges effective 1 October 2026

Credit Card Annual Fees

Accounts opened prior to 1 December 2000 will be charged an annual fee in January each year. Accounts opened from 1 December 2000 will be charged the first annual fee when you accept the credit card agreement and then annually in the same month thereafter.

NAB Rewards Travel Card	$395 p.a.
NAB Rewards Card	$195 p.a.
NAB Low Fee Card	$49 p.a.
NAB Low Rate Card	$99 p.a.
NAB Qantas Rewards Signature Card	$449 p.a.
NAB Qantas Rewards Premium Card	$295 p.a.
NAB StraightUp Card	Not applicable
NAB Velocity Rewards Premium Card	$150 p.a.
NAB Velocity Rewards Card	$95 p.a.
NAB flybuys Rewards Card	$95 p.a.
NAB Rewards Classic Card	$95 p.a.
NAB Qantas Rewards Card	$95 p.a.
NAB Qantas Rewards Premium Card (previously ‘NAB Qantas Plus Card’)	$195 p.a.
NAB Visa Mini	$40 p.a.
NAB Low Rate Platinum Card	$100 p.a.
NAB Low Rate Platinum Card(Previously ‘NAB Low Rate Premium Card’)	$59 p.a.
NAB Premium Card	$90 p.a.
NAB Low Fee Platinum Card	$90 p.a.
NAB Visa One	$30 p.a.
NAB Visa One Fee-Free	Nil

The annual fee is waived for the life of the Package for eligible cards included in a:

NAB Tailored Home Loan Package.
NAB Choice Package.
Private Tailored Package.
NAB Introductory Rate Home Loan.
Homeowner’s Package.
Portfolio Package.
Private Portfolio Package

When a package is cancelled/terminated, the annual card fee will be debited after the package ends and then annually in the same month thereafter.

The following cards included in NAB Shareholder’s Benefit will have the credit card annual fee waived:

NAB Rewards Classic Card.
NAB Rewards Card.
NAB Low Fee Card.
NAB Low Fee Platinum Card.
NAB Qantas Rewards Card.
NAB Qantas Rewards Premium Card.
NAB Velocity Rewards Card.
NAB Velocity Rewards Premium Card.
NAB flybuys Rewards Card.

Credit Card Monthly Fees

A monthly credit fee applies to the NAB StraightUp Card.

For the NAB StraightUp Card, the amount of the monthly credit fee will depend on your credit limit.

NAB StraightUp Card - balances up to $1,000	$10 per month
NAB StraightUp Card - balances between $1,001 and $2,000	$20 per month
NAB StraightUp Card - balances between $2,001 and $3,000	$30 per month

NAB International Transaction Fee

The following NAB International Transaction Fees apply to all credit card accounts, except NAB Visa One Fee-Free, NAB Rewards Travel Card and the NAB StraightUp Card.

International transactions refer to using your card overseas or, using your account in Australia but the goods or service provider (commonly referred to as a ‘merchant’), financial institution or entity processing the transaction is located outside Australia. International transactions are either:

Single-currency international transaction: where the transaction is made in Australian dollars (AUD).
Multi-currency international transaction: where the transaction is made in a currency other than Australian dollars (AUD).

Visa Card Scheme

Transaction type	NAB International Transaction Fee
Single-currency transaction	3.5% of the Australian dollar amount is charged when the international transaction is posted (completed) to your account.
Multi-currency transaction	3.5% of the Australian dollar amount is charged when the international transaction is posted (completed) to your account

Cash Advance Fees

Cash Advance fees apply to all credit card accounts, except NAB Visa One Fee-Free.

Note: Cash advances aren’t allowed on the NAB StraightUp Card.

For Cash Advances you’ll be charged a percentage of the Cash Advance (in Australian dollars) or the minimum fee, whichever is the greater.

For Cash Advance transactions if after NAB posts the Cash Advance transaction and any other purchases or payments for that processing day, the balance of the account is in credit, the Cash Advance fee won’t be charged.

Note: NAB posts purchases and Cash Advances in that order to your account before posting payments and refunds.

| | Cash Advance amount | Minimum fee | | | ------------------------- | --------------------------- | -------------------- | | All channels | Cash Advance amount3.5% | Minimum fee$3.50 |

Note: In the case of Cash Advances made in currencies other than Australian dollars, the Cash Advance amount used to calculate the Cash Advance fee is the Australian dollar amount posted to your NAB Credit Card account.

You may be charged by the ATM owner where you make a Cash Advance using an ATM in Australia that doesn’t belong to NAB.

Late Payment Fee

$20 - Debited monthly (if applicable) on or after the day when an amount that is due for payment is not paid on or before its due date, if the balance of the account is $50 or more at the time the fee is debited.

Other product fees and charges

Our Guide to Fees and Charges (covers the fees and charges that may apply to your personal products and services other than those specifically for lending (i.e. personal loans, credit cards, home loans and lines of credit).

Home loans and lines of credit fees and charges

NAB Personal Loan fees and charges

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Source: https://www.nab.com.au/content/nabrwd/en/personal/credit-cards/nab-concierge-service.html

NAB Concierge Service | Travel and lifestyle service - NAB

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NAB Concierge Service

No matter where you are in the world, our concierge service is open day and night.

What is NAB Concierge Service?

The NAB Concierge Service can do more than just book your flights. It’s a travel and lifestyle service here to help you 24 hours, 7 days a week available to Visa Signature, Platinum or Premium credit and Visa Platinum Debit cardholders.

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Reasons to use the NAB Concierge Service

Whether you’re travelling overseas or locally, enjoy exclusive access to some of these privileges and more.

Emergency travel assistance

If something goes wrong, your concierge can help organise medical or legal services by providing an emergency message service and passport and visa assistance while you’re overseas. We also offer emergency interpretation assistance.

Reserve and book lifestyle offers

Book live music, sports and shows
Restaurant recommendations and bookings
Flower delivery
Gift sourcing
Reservations at health clubs, golf clubs and more

Travel and entertainment requests

Flight information
Hotel information, referrals and reservations
Events and shows
Pre-trip information and assistance
Car rental and airport privileges

View full list of services in the NAB Concierge Service terms and conditions (PDF, 240KB)

Sign up for the NAB Concierge Service today

Visit the Visa Concierge website and tap Join now
Register your NAB Visa card number
Create a new password
Confirm your personal details
Verify your account via email
Once you’re logged in, hit the chat button to start unlocking your benefits

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NAB Concierge Service costs

While the service is complimentary for eligible NAB cardholders (and any additional cardholders), you’ll still have to pay for the goods and services purchased through the concierge, as well as:

any deposits paid
costs of cancellation
delivery and shipping costs, including insurance costs
custom duties and import taxes
costs incurred in transferring funds to fulfil a request
funds advanced to fulfil a request.

How to pay

Before your purchases are finalised, your concierge will provide you with a detailed breakdown of all the costs involved. After you’ve agreed to the costs, they'll be charged straight to your eligible NAB card. Simple as that.

Start using the NAB Concierge Service today

Chat to the Concierge Service

Once you’re registered and logged in you can start to browse your benefits, make bookings and chat to your concierge. Visa Concierge Service chat is a secure channel so information you share is protected and not intended for any other purpose.

Log into Visa Concierge Service

Call us

Signature cardholders call 1300 489 410
Platinum and Premium cardholders call 1300 730 213

Call from overseas

Visit Visa Concierge Service for overseas phone numbers and information on how to get in touch from different countries and in different languages.

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Source: https://www.nab.com.au/content/nabrwd/en/personal/insurance/complimentary-card-insurances/policy-changes.html

Changes to complimentary card insurances - NAB

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Changes to NAB complimentary card insurances

If you have a NAB card with complimentary insurance, some benefits changed on 15 May 2026. The changes depend on the type of card you have. Use the table to check what has changed for your card. Details of the changes were also previously notified to you.

Insurance booklet update

To reflect name changes to some of our products, a Notice of Change will be added to the front of our Policy Information Booklet. These name changes will be effective 1 October 2026 and include the following products:

NAB Rewards Signature Card will change to NAB Rewards Travel Card
NAB Qantas Plus Card will be changed to NAB Qantas Rewards Premium Card
NAB Rewards Platinum Card will be changed to NAB Rewards Card

What’s changed for my card?

From 15 May 2026:

some cards no longer include complimentary travel insurance or rental vehicle excess insurance in Australia
some cards have International Travel Insurance cover reduced to 30 consecutive days
some cards have changes to Travel Delay Expenses
some eligible cards have mobile phone insurance added.

Summary of changes

Check for your card in the table below to see what has and hasn’t changed. Then read the FAQs for common questions about Complimentary Travel Insurances cover, mobile phone insurance and your options.

| | Travel insurance | Travel delay expenses – International Travel Insurance | Mobile phone insurance | | | ----------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | NAB Rewards Credit Card | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceNo longer applies | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. | | NAB Flybuys Rewards Credit Card | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceNo longer applies | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. | | NAB Low Rate Platinum Credit Card | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceNo longer applies | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. | | NAB Velocity Rewards Premium Credit Card | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceNo longer applies | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. | | NAB Premium Credit Card | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceNo longer applies | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. | | NAB Low Fee Platinum Credit Card | Travel insuranceInternational Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia no longer apply for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceNo longer applies | Mobile phone insuranceHas been added. Cover applies when you pay your monthly mobile phone bill with your eligible NAB card. Terms, conditions and exclusions apply. | | NAB Qantas Rewards Premium Credit Card | Travel insuranceInternational Travel Insurance cover period reduces from up to 3 consecutive months to up to 30 consecutive days for cardholders, their spouses and/or dependents for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNot available | | NAB Qantas Plus Credit Card | Travel insuranceInternational Travel Insurance cover period reduces from up to 3 consecutive months to up to 30 consecutive days for cardholders, their spouses and/or dependents for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNot available | | NAB Platinum Visa Debit Card | Travel insuranceInternational Travel Insurance cover period reduces from up to 3 consecutive months to up to 30 consecutive days for cardholders, their spouses and/or dependents for claimable events on or after 15 May 2026. | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNot available | | NAB Rewards Travel Credit Card | Travel insuranceNo change. | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNo change | | NAB Qantas Rewards Signature Credit Card | Travel insuranceNo change. | Travel delay expenses – International Travel InsuranceIf your travel is delayed for at least 6 consecutive hours, and for each additional 24 consecutive hours after that, you can claim up to $500 per person for meals and accommodation. The total claim is capped at $2,000 per cardholder or spouse, with dependants included in that limit. Applies where the claimable event is on or after 15 May 2026. | Mobile phone insuranceNot available |

NAB Card Insurance Policy Information Booklet current and previous

Current booklet effective 15 May 2026

NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 592KB)

Previous booklets

NAB Card Insurance Policy Information Booklet effective 1 July 2025 (PDF, 474KB)

NAB Card Complimentary Mobile Phone Insurance

Current booklet

NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions effective 12 June 2024 (PDF, 145KB)

Making claims relating to travel

Claims are assessed using the NAB Card Insurance Policy Information Booklet in effect on the date of the claimable event.

If your claimable event happened before 15 May 2026, a previous policy information booklet will apply. If your claimable event happens on or after 15 May 2026, the current policy information booklet (effective 15 May 2026) will apply.

Complimentary travel insurances claim

Contact Allianz Global Assistance (AGA).

Call 1800 187 025 Monday to Friday, 8:00am to 7:00pm (AEST/ADST)
Lodge a claim online

Making claims relating to mobile insurance protection

Claims are assessed using the NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions effective 12 June 2024.

Mobile insurance claims

Contact AIG Australia Limited.

Call +61395224111 Monday to Friday, 8:30am to 5:30pm (AEST/ADST)
Lodge a claim online

Frequently asked questions

What if my travel started before 15 May 2026 and ended after 15 May 2026, and I have multiple claims to make?

For cards that continue to have access to Complimentary International Travel Insurances on 15 May 2026, the Policy Information Booklet used to assess a claimable event will depend on when the event occurred. If a claimable event occurred before 15 May 2026, a previous Policy Information Booklet applicable at that time, would be used to assess that part of the claim. If a claimable event occurred on or after 15 May 2026, the current Policy Information Booklet would be used to assess that claimable event.

What if my card no longer has access to Complimentary Travel Insurances on 15 May 2026?

You can make a claim for claimable events that occurred prior to 15 May 2026 under the relevant Policy Information Booklet applicable at that time.
If your card no longer has access to Complimentary International Travel Insurance, Domestic Travel Insurance or Rental Vehicle Excess Insurance in Australia for claimable events on or after 15 May 2026, and you are planning to travel, you may want to consider other insurance options before your departure. This could include purchasing a separate travel insurance policy that suits your trip and personal circumstances.

Where can I find the full details of NAB complimentary card insurances?

For full policy details, read the:

NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 592KB), cover provided by Allianz Australia Insurance Limited
Mobile phone protection insurance: NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions effective 12 June 2024 (PDF, 145KB), cover provided by AIG Australia Limited
They include the eligibility criteria, Benefit limits and sub-limits, exclusions and the full terms and conditions that apply.

Important Information

Terms and Conditions

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International travel insurance, Domestic travel insurance, Rental vehicle excess insurance in Australia, Extended warranty insurance, and Purchase protection insurance.

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible persons to claim under it as third-party beneficiaries.

Access to the benefit of cover under the NAB card insurances is available to eligible NAB cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. This insurance is underwritten by Allianz. NAB is not the product issuer or insurer and neither it nor any of its related bodies corporate guarantee any of the benefits under this cover.

If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the insurance information booklet. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 592KB), which may be amended from time to time. For insurable events that occurred prior to 15 May 2026 please refer to the NAB Card Insurance Policy Information Booklet effective 1 July 2025 (PDF, 474KB).

For more information about the changes visit Information about changes to complimentary insurances.

Mobile phone insurance

Complimentary Mobile Phone insurance (covering Accidental Damage and Theft to Your Eligible Mobile Telephone) is provided under a group policy issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (NAB). Cover is available to all NAB Rewards Travel, NAB Rewards, NAB Velocity Rewards Premium, NAB flybuys Rewards, NAB Low Rate Platinum, NAB Low Fee Platinum, NAB Low Rate and NAB Low Fee Credit Cardholders (Eligible Person). Eligible Persons can claim under the Group Policy as third-party beneficiaries in accordance with section 48 of the Insurance Contracts Act 1984 (Cth).

If an Eligible Person wishes to claim, such claim will be subject to the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits as further detailed in the terms and conditions (PDF, 145KB) for such coverage which is available at nab.com.au/personal/insurance/complimentary-card-insurances.

To be eligible for coverage Eligible Persons must have a contract with a mobile phone provider and a monthly billing arrangement using their eligible NAB card. Any advice provided by NAB about this insurance is general advice only and is not based on any consideration of an Eligible Person’s objectives, financial situation, or needs. Eligible Persons must determine whether or not it is appropriate, in light of their own circumstances, to act on this advice.

AIG as product issuer is not providing any financial advice about this insurance. NAB is not the product issuer, and neither NAB or its related bodies corporate guarantee any of the benefits under this insurance cover.

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Source: https://www.nab.com.au/content/nabrwd/en/personal/interest-rates-fees-and-charges/indicator-rates-for-other-personal-lending.html

Indicator rates for other personal lending products - NAB

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Indicator rates for other personal lending products

See our current interest rates on our personal lending products.

Rates effective as of Thursday, 1 October 2026.

If you know which product you'd like to check the rate for, you can click on the corresponding link below.

Credit cards

The table below shows our current credit card interest rates.

| | Variable purchase rate | Variable cash advance rate | | | ------------------------------------------------------------ | ---------------------------------- | -------------------------------------- | | NAB Low Rate Card Lowest interest rate credit card | Variable purchase rate 13.99% p.a. | Variable cash advance rate 22.99% p.a. | | NAB Low Fee Card Lowest annual fee credit card | Variable purchase rate 22.49% p.a. | Variable cash advance rate 22.99% p.a. | | NAB Qantas Rewards Premium Card Qantas Rewards credit card | Variable purchase rate 22.49% p.a. | Variable cash advance rate 22.99% p.a. | | NAB Qantas Rewards Signature Card Qantas Rewards credit card | Variable purchase rate 22.49% p.a. | Variable cash advance rate 22.99% p.a. | | NAB Rewards Card NAB Rewards credit card | Variable purchase rate 22.49% p.a. | Variable cash advance rate 22.99% p.a. | | NAB Rewards Travel Card NAB Rewards credit card | Variable purchase rate 22.49% p.a. | Variable cash advance rate 22.99% p.a. |

Personal loans (unsecured)

This table shows our current personal loan interest rates.

| | Interest rate | Comparison rate | | | ------------------ | -------------------------------------------- | ---------------------------------------------- | | Variable rate loan | Interest rate From 7.50% p.a. to 22.00% p.a. | Comparison rate From 8.90% p.a. to 23.29% p.a. | | Fixed rate loan | Interest rate From 7.50% p.a. to 22.00% p.a. | Comparison rate From 8.90% p.a. to 23.29% p.a. |

Personal loan indicator rates

This table displays our current variable indicator rates - these are used to calculate our variable interest rates. The variable interest rate for a NAB Personal Loan will either be the indicator rate or the indicator rate plus or less a margin.

| | Variable indicator rate | Comparison rate | | | -------------------------------- | ---------------------------------------------------------------------- | -------------------------- | | Loan amount of $5,000 to $9,999 | Variable indicator rate17.95% p.a. (rate 11, 12, 13) | Comparison rate22.77% p.a. | | Loan amount of $10,000 and above | Variable indicator rate16.75% p.a. (rate 21, 22, 23) (rate 31, 32, 33) | Comparison rate18.07% p.a. |

Investment lending (formerly margin lending)

You can read more about investment lending, including how it works, and the current interest rates.

Personal base rate

Base rate	8.77% p.a.

Personal overdrafts

NAB Personal Overdraft	12.77% p.a.
NAB Overdraft Protection	12.77% p.a.

Products no longer for sale

The tables below show the interest rates for products we no longer sell.

Credit cards

| | Variable purchase rate | Variable cash advance rate | | | ------------------------------------------------------------------------ | ------------------------------------- | ----------------------------------------- | | NAB StraightUp Card No interest rate credit card | Variable purchase rate Not applicable | Variable cash advance rate Not applicable | | NAB Low Fee Platinum Card Low annual fee credit card | Variable purchase rate 22.49% p.a. | Variable cash advance rate 22.99% p.a. | | NAB Low Rate Platinum Card | Variable purchase rate 13.99% p.a. | Variable cash advance rate 22.99% p.a. | | NAB Low Rate Platinum Card Previously known as NAB Low Rate Premium Card | Variable purchase rate 13.99% p.a. | Variable cash advance rate 22.99% p.a. | | A. National Team | Variable purchase rate 19.99% p.a. | Variable cash advance rate 21.74% p.a. | | Visa Fee Free | Variable purchase rate 19.70% p.a. | Variable cash advance rate 21.74% p.a. | | NAB Rewards Classic Card | Variable purchase rate 20.99% p.a. | Variable cash advance rate 21.74% p.a. | | NAB Qantas Rewards Classic Card | Variable purchase rate 20.99% p.a. | Variable cash advance rate 21.74% p.a. | | NAB Qantas Rewards Premium Card Previously known as NAB Qantas Plus Card | Variable purchase rate 22.49% p.a. | Variable cash advance rate 22.99% p.a. | | NAB Visa Mini | Variable purchase rate 19.99% p.a. | Variable cash advance rate 21.74% p.a. | | NAB flybuys Rewards Card | Variable purchase rate 20.99% p.a. | Variable cash advance rate 21.74% p.a. | | NAB Velocity Rewards Card | Variable purchase rate 20.99% p.a. | Variable cash advance rate 21.74% p.a. | | NAB Velocity Rewards Premium Card | Variable purchase rate 20.99% p.a. | Variable cash advance rate 21.74% p.a. |

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Target Market Determinations for these products are available at nab.com.au/TMD.

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Source: https://www.nab.com.au/personal/credit-cards/fees-charges

Personal NAB credit card fees and charges - NAB

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NAB credit card fees and charges

A guide to our personal NAB credit card fees and charges effective 1 October 2026

Credit Card Annual Fees

NAB Rewards Travel Card	$395 p.a.
NAB Rewards Card	$195 p.a.
NAB Low Fee Card	$49 p.a.
NAB Low Rate Card	$99 p.a.
NAB Qantas Rewards Signature Card	$449 p.a.
NAB Qantas Rewards Premium Card	$295 p.a.
NAB StraightUp Card	Not applicable
NAB Velocity Rewards Premium Card	$150 p.a.
NAB Velocity Rewards Card	$95 p.a.
NAB flybuys Rewards Card	$95 p.a.
NAB Rewards Classic Card	$95 p.a.
NAB Qantas Rewards Card	$95 p.a.
NAB Qantas Rewards Premium Card (previously ‘NAB Qantas Plus Card’)	$195 p.a.
NAB Visa Mini	$40 p.a.
NAB Low Rate Platinum Card	$100 p.a.
NAB Low Rate Platinum Card(Previously ‘NAB Low Rate Premium Card’)	$59 p.a.
NAB Premium Card	$90 p.a.
NAB Low Fee Platinum Card	$90 p.a.
NAB Visa One	$30 p.a.
NAB Visa One Fee-Free	Nil

The annual fee is waived for the life of the Package for eligible cards included in a:

NAB Tailored Home Loan Package.
NAB Choice Package.
Private Tailored Package.
NAB Introductory Rate Home Loan.
Homeowner’s Package.
Portfolio Package.
Private Portfolio Package

When a package is cancelled/terminated, the annual card fee will be debited after the package ends and then annually in the same month thereafter.

The following cards included in NAB Shareholder’s Benefit will have the credit card annual fee waived:

NAB Rewards Classic Card.
NAB Rewards Card.
NAB Low Fee Card.
NAB Low Fee Platinum Card.
NAB Qantas Rewards Card.
NAB Qantas Rewards Premium Card.
NAB Velocity Rewards Card.
NAB Velocity Rewards Premium Card.
NAB flybuys Rewards Card.

Credit Card Monthly Fees

A monthly credit fee applies to the NAB StraightUp Card.

For the NAB StraightUp Card, the amount of the monthly credit fee will depend on your credit limit.

NAB StraightUp Card - balances up to $1,000	$10 per month
NAB StraightUp Card - balances between $1,001 and $2,000	$20 per month
NAB StraightUp Card - balances between $2,001 and $3,000	$30 per month

NAB International Transaction Fee

The following NAB International Transaction Fees apply to all credit card accounts, except NAB Visa One Fee-Free, NAB Rewards Travel Card and the NAB StraightUp Card.

Single-currency international transaction: where the transaction is made in Australian dollars (AUD).
Multi-currency international transaction: where the transaction is made in a currency other than Australian dollars (AUD).

Visa Card Scheme

Transaction type	NAB International Transaction Fee
Single-currency transaction	3.5% of the Australian dollar amount is charged when the international transaction is posted (completed) to your account.
Multi-currency transaction	3.5% of the Australian dollar amount is charged when the international transaction is posted (completed) to your account

Cash Advance Fees

Cash Advance fees apply to all credit card accounts, except NAB Visa One Fee-Free.

Note: Cash advances aren’t allowed on the NAB StraightUp Card.

For Cash Advances you’ll be charged a percentage of the Cash Advance (in Australian dollars) or the minimum fee, whichever is the greater.

Note: NAB posts purchases and Cash Advances in that order to your account before posting payments and refunds.

You may be charged by the ATM owner where you make a Cash Advance using an ATM in Australia that doesn’t belong to NAB.

Late Payment Fee

Other product fees and charges

Home loans and lines of credit fees and charges

NAB Personal Loan fees and charges

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Source: https://www.nab.com.au/personal/credit-cards/terms-conditions

NAB credit cards | Terms, conditions and other information - NAB

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NAB credit card terms, conditions and other information

View or download a copy of your credit card's terms and conditions, and other important information.

Card account terms and conditions

NAB credit card Terms and Conditions - applies to all NAB credit cards, except the NAB StraightUp Card.

NAB StraightUp Card Terms and Conditions - applies to the NAB StraightUp Card.

NAB Electronic Banking (card based) terms and conditions - applies to all NAB credit cards.

Rewards program terms and conditions

NAB Rewards Terms and Conditions (PDF, 211KB) - applies to all NAB Rewards credit card accounts.

Velocity NAB credit card account: Velocity Points Terms and Conditions (PDF, 91KB) - applies to all Velocity NAB credit card accounts.

NAB Qantas Credit Card Account Reward Terms and Conditions - applies to all NAB Qantas credit card accounts.

Flybuys Rewards Points Terms and Conditions (PDF, 66KB) - applies to all NAB flybuys Rewards card accounts.

Cash back terms and condition

NAB cash back Terms and Conditions (PDF, 97KB) - applies to NAB Visa Mini accounts.

Product disclosure statements

NAB Credit Card Cover product disclosure statement and policy document (PDF, 471KB) - applies to eligible NAB cardholders who hold NAB Credit Card Cover.

Complimentary card insurance

NAB Card Insurance Policy Information Booklet effective 15 May 2026 (PDF, 592KB) - applies to all credit cards except the NAB Low Rate Card and NAB StraightUp Card.

Mobile Phone Protection terms and conditions

NAB Cards Complimentary Mobile Phone Insurance Terms and Conditions (PDF, 145KB) - applies to all NAB Rewards Travel, NAB Rewards, NAB Velocity Rewards Premium, NAB flybuys Rewards, NAB Low Rate Platinum, NAB Low Fee Platinum, NAB Low Rate and NAB Low Fee Credit Cardholders.

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Source: https://www.nab.com.au/personal/interest-rates-fees-and-charges/indicator-rates-for-other-personal-lending

Indicator rates for other personal lending products - NAB

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Indicator rates for other personal lending products

See our current interest rates on our personal lending products.

Rates effective as of Thursday, 1 October 2026.

If you know which product you'd like to check the rate for, you can click on the corresponding link below.

Credit cards

The table below shows our current credit card interest rates.

Personal loans (unsecured)

This table shows our current personal loan interest rates.

Personal loan indicator rates

Investment lending (formerly margin lending)

You can read more about investment lending, including how it works, and the current interest rates.

Personal base rate

Base rate	8.77% p.a.

Personal overdrafts

NAB Personal Overdraft	12.77% p.a.
NAB Overdraft Protection	12.77% p.a.

Products no longer for sale

The tables below show the interest rates for products we no longer sell.

Credit cards

Get in touch

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Source: https://www.nab.com.au/personal/life-moments/manage-money/manage-debt/avoid-credit-card-fees

Common credit card fees and ways to avoid paying them - NAB

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Common credit card fees and ways to avoid them

Understand the different types of credit card fees and how to minimise them.

Explore Low Fee Card

How to avoid credit card fees

It important to know what types of fees apply to your credit card. Some fees, like annual card fees, can’t be avoided. Other fees, like late payment or cash advance fees, won’t be charged if you’re smart about how you use your credit card. Credit card fees can add up, so you want to minimise them however you can.

Annual fee

Most credit cards charge an annual fee which varies depending on the type of credit card you've got.

Typically, the more features a card has, like rewards points and insurances, the higher the annual fee. If you've got a premium card and don't use its features, it might be a good idea to switch to a lower-fee card instead. Compare our credit cards.

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International transaction fees

An international transaction fee is a fee you're charged when you use your credit card overseas to make a purchase.

It's important to note that you don’t have to be overseas for an international transaction fee to apply. Learn more about international transaction fees.

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Cash advance fee and interest

Spotted a cash advance fee on your credit card statement and wondering how to avoid it?

A cash advance fee is a one-off fee charged when you withdraw cash or transfer funds from your credit card.1 Gambling or gaming-related transactions and other cash-like purchases, such as value loaded on a pre-paid card or payments of utility bills over the counter at other financial institutions and post offices, are also classified as cash advances.

A cash advance fee is calculated as a percentage of the cash advance (in Australian dollars) or the minimum fee, whichever is greater.

On top of the cash advance fee, you'll also be charged interest on your cash advance from the day you make the cash advance until the day you pay it off. Any interest-free periods won't apply to cash advances.

For more information about cash advances see how to avoid credit card interest.

Cash advance controls

You can control certain types of cash advances in the NAB app. Learn how to use the app to restrict gambling transactions and ATM cash advances.

Late payment fee

To avoid a late payment fee you need to make – at the very least – your minimum payment by your statement due date.

You can set up a regular payment or direct debit to avoid being charged a late payment fee. Just make sure you've got enough funds in your nominated account.

Another way to avoid a late payment fee is to set up a credit card payment reminder alert. We'll send you a reminder email or SMS up to seven days before your payment is due.

If you prefer to make multiple payments each month, you still need to ensure you make at least the minimum payment shown on your statement between when your statement is printed (statement cycle) and your due date.

Non-NAB ATM withdrawal fees

This type of fee applies to both credit and debit cards. You may have to pay it if you use an ATM other than a NAB ATM. You can use ANZ, Commonwealth Bank and Westpac ATMs free of charge.

Whatever bank or company owns the ATM will charge you this fee. You’ll see the amount onscreen and have the option to cancel your transaction if you want to avoid the fee.

If you withdraw cash from your credit card, you’ll be charged both the cash advance fee and interest, as well as the non-NAB ATM withdrawal fee.

You can download the NAB app and use it to find NAB ATMs near you.

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Credit card fees: Key takeaways

Some fees, like annual card fees, are part of having a credit card. But others are avoidable with a few smart habits.

Annual fees are usually higher on cards packed with perks. If you’re not using them, switching to a lower‑fee card could put money back in your pocket.
International transaction fees don’t just apply overseas. They also apply when you shop online with overseas retailers.
Cash advances are costly. You’ll pay a one‑off fee and start paying interest straight away with no interest‑free period. Avoid using your credit card for cash withdrawals or cash‑like transactions.
Late payment fees are easy to dodge. Just pay at least the minimum on time. Direct debits or reminders can help you stay on track.
Using non‑NAB ATMs may mean a withdrawal fee, except at ANZ, CommBank and Westpac ATMs.

Types of credit cards

Not sure which credit card is right for you? Learn about the differences between credit card types now.

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How to avoid paying credit card interest

Learn how interest on your card works, and ways to avoid paying it.

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Create a budget to help you meet your money goals.

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Compare NAB products and cards for travel

Explore our range of credit and debit cards to find the right one for your next holiday.

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Credit cards

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Transaction accounts

Access your money with our everyday bank accounts with no monthly account fee.

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The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial, and taxation advice before acting on any information in this article.

Credit cards issued by National Australia Bank Limited.

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NAB Qantas Rewards Signature Card

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Source: https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card

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NAB Qantas Rewards Signature Card

Up to 60,000 bonus Qantas Points and $200 cashback​

Up to 80,000 bonus Qantas Points and $200 cashback​

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0.75 Qantas Point per $1

0.25 Qantas Point per $1

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Source: http://www.qantas.com.au/terms

Terms and Conditions

Effective 27 August 2026

1. Introduction

2. Definitions

3. Changes to Qantas Frequent Flyer

4. Termination or suspension of Qantas Frequent Flyer

5. Membership

6. Use of the Card, Membership number and Benefits

7. Member obligations and responsibilities

8. Suspension or termination of Membership

9. Earning Qantas Points

9.1 General

9.2 Qantas Points validity

9.3 Earning Qantas Points for air travel

9.4 Qantas Points are not earned on all flights

9.5 Status Bonus

9.6 Earning Qantas Points for hotel stays (offered by hotel partners)

9.7 Earning Qantas Points for car rentals

9.8 Other ways to earn Qantas Points or receive Benefits

10. Activity Statements

11. Family transfers

12. Redeeming Qantas Points for Rewards

13. Redeeming Qantas Points for Flight Rewards

Up to 60,000 bonus Qantas Points and $200 cashback

Up to 80,000 bonus Qantas Points and $200 cashback