NAB Rewards Platinum Credit Card | Earn points and rewards - NAB

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## Latest offers

#  NAB Rewards Platinum Credit Card 

Earn and redeem NAB Rewards Points with our platinum credit card, plus enjoy 0% p.a. on balance transfers for 12 months with a 3% BT fee.

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Apply online in 15 minutes and get a response in 60 seconds 

* [Rates & fees ](#rates&fees "Rates & fees")
* [Card benefits ](#benefits "Card benefits")
* [How to apply ](#apply "How to apply")
* [Manage your card ](#manage "Manage your card")

Apply online in 15 minutes and get a response in 60 seconds 

## 

Offer 

 New customers 

### Up to 100,000 bonus NAB Rewards Points

100,000 bonus points is enough for $450 in gift cards.

* **80,000 bonus points** when you apply for a NAB Rewards Platinum Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening.
* **20,000 bonus points** when you keep your card for over 12 months.  
Bonus points are not available to customers who currently hold, or have held, any personal NAB Rewards Credit Card in the last 24 months.  
Bonus points are credited to your points balance within three months of meeting the spend criteria.  
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information.

## 

Offer 

 Existing customers 

### Up to 100,000 bonus NAB Rewards Points and $100 saving on your annual card fee for the first year

* **80,000 bonus points** when you apply for a NAB Rewards Platinum Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening and **20,000 bonus points** when you keep your card for over 12 months. That’s enough for $450 in gift cards.
* Enjoy a **reduced annual card fee** (from $195 to $95) for the first year.  
Bonus points are not available to customers who currently hold, or have held, any personal NAB Rewards Credit Card in the last 24 months.  
Bonus points are credited to your points balance within three months of meeting the spend criteria.  
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information.

[ Log in to apply , opens in new window ](https://ib.nab.com.au/login?redirect=perbankcards%5Frewardsplatinum) 

[ Open in the NAB app , opens in new window ](https://miblinks.nab.com.au/navigation/VIEW%5FPRODUCT?product=credit-cards/rewards/rewards-platinum-card&browser=external) 

##  Rates and fees 

Learn more about our standard credit card interest rates, annual card fees and credit limits that apply to this card.

| Variable purchase rate                                                                                                                                                                                          | **20.99% p.a.** |
| --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------- |
| Standard balance transfer (BT) rate for 12 months 3% BT fee applies. Unpaid BT reverts to variable cash advance rateWe can’t process balance transfers from certain issuers – see our indicative list.          | **0% p.a.**     |
| Interest free days on purchases                                                                                                                                                                                 | **Up to 44**    |
| Annual card fee                                                                                                                                                                                                 | **$195 p.a.**   |
| Minimum credit limit                                                                                                                                                                                            | **$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. | **21.74% p.a.** |

##  How to earn NAB Rewards Points 

Earn up to 2 points per dollar on your everyday transactions. There's no limitto the amount of rewards points you can earn each month.

###  Earn NAB Rewards Points 

Earn 1 NAB Rewards Point for every $1 you spend on everyday purchases.

###  Earn more on groceries 

Earn 1.5 NAB Rewards Points in eligible grocery stores.

###  Earn more with Webjet 

Earn 2 NAB Rewards Points on purchases made online with Webjet via NAB Rewards Store or on [Webjet.com.au](https://www.webjet.com.au/).

##  Benefits of this rewards card 

Enjoy complimentary services, discounts, deals and redeem your rewards points to suit you.  

###  Auto redeem for flybuys, Velocity or Accor Live Limitless (ALL) Reward points 

Set up automatic redemption to have your points automatically sent to your flybuys, Velocity or ALL account each month.

###  Redeem for cashback 

Redeem 12,500 NAB Rewards Points for $50 cashback directly into your NAB bank account or NAB Rewards card.

###  Redeem for gift cards 

Redeem for gift cards from a range of popular brands including Coles, Woolworths, Bunnings, JB HiFi and more.

###  Redeem for travel with Webjet 

Redeem your points to book airlines and unlock hotel savings using the Points+Pay option.  

###  Shop the NAB Rewards Store 

Redeem your points for a wide range of electronics, homewares, experiences and more in the [NAB Rewards Store](https://rewards.nab.com.au/en/home.html).

###  Transfer for frequent flyer and rewards programs 

Transfer your NAB Rewards Points to one of our partner programs – flybuys, Velocity Frequent Flyer, Accor Live Limitless (ALL), KrisFlyer, Cathay Membership Programme and Airpoints. Excludes Qantas Frequent Flyer Program.  

###  Visa Premium Access 

Discover hundreds of deals, discounts and privileges with [Visa Premium Access](https://www.visa.com.au/en%5Fau/visa-offers-and-perks/).

###  Add another card 

###  Concierge service 

## 

Offer 

 Discover more benefits with your NAB credit card 

Enjoy access to a range of special partner offers and benefits so you can save more and enjoy more every day.

###  Things to consider 

We want to help you choose the right card, so here are a few things to consider about this card before you apply.

1. Higher interest rates compared to our NAB Low Rate Card
2. Lower point earn rate compared to our NAB Rewards Signature Card.
3. Higher annual fee compared to our other cards.
4. NAB Rewards Points cannot be used to redeem Qantas Points.

## Enjoy complimentary insurances

* Purchase protection insurance
* Extended warranty insurance
* Mobile phone insurance

## Eligibility  Check you're eligible to apply online 

1. You're 18 years or older.
2. You receive a regular income.
3. You’re an Australian resident for tax purposes.
4. You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.

Read important information for visa categories that are not acceptable.

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##  Applying for a credit card with NAB is easy 

Follow these three steps to apply for your new NAB credit card.

###  Meet the eligibility criteria 

Check that you meet all our eligibility criteria before you start your application.

###  Apply online 

Complete the online application form and get a response in 60 seconds.

###  We’ll be in touch 

If conditionally approved, we may still request extra information. Once approved, your card will arrive within five working days, or you can use your digital card immediately.

##  Where can I transfer my NAB Rewards Points to? 

Convert your NAB Rewards Points with any of our airline and reward partner programs.

| Frequent flyer program            | NAB Rewards Points transfer rate                           | Automatic redemption available |
| --------------------------------- | ---------------------------------------------------------- | ------------------------------ |
| Flybuys                           | 3,000 NAB Rewards Points = 3,000 Flybuys points            | Yes                            |
| Velocity Frequent Flyer           | 3,000 NAB Rewards Points = 1,500 Velocity Points           | Yes                            |
| Accor Live Limitless (ALL)        | 3,000 NAB Rewards Points = 500 ALL Reward points           | Yes                            |
| Singapore Airline KrisFlyer Miles | 3,000 NAB Rewards Points = 1,000 KrisFlyer miles           | No                             |
| Cathay Membership Programme       | 3,000 NAB Rewards Points = 1,000 Asia Miles                | No                             |
| Air New Zealand Airpoints         | 3,000 NAB Rewards Points = 15 Australian Airpoints Dollars | No                             |

## 

New 

 Earn Velocity Points 

Enjoy more opportunities to earn Velocity Points (from NAB Rewards Points) when you apply for a new NAB Rewards credit card.

* Convert 2 NAB Rewards Points into 1 Velocity Point.
* Enjoy hassle-free automatic redemption, which transfers your NAB Rewards Points direct into your Velocity account each month.

To ensure you are set up for the auto redemption feature, please make sure to begin your application through our dedicated Velocity page.  
 To earn Velocity Points you must be a Velocity Frequent Flyer member and have provided your Velocity Frequent Membership number to NAB.  
Eligibility criteria and terms and conditions apply. Minimum monthly repayments required. NAB may vary or end this offer at any time.

##  NAB Rewards travel and partner options 

With NAB Rewards, you’re not limited to travelling with just one airline. Redeem your rewards with a great range of travel partners.

### Travel with Webjet when you redeem your NAB Rewards Points

100,000 NAB Rewards Points will get you $480 with Webjet. Book any seat, on any airline, at any available time. Simply login to the NAB Rewards Store to redeem your points with Webjet directly.

* Mix & Match different domestic and international airlines for their departing and returning flights within the same booking
* Compare airlines and Mix & Match deals
* Book flights, hotels and packages in one transaction
* Flexibility to combine one-way sales fares with any airline
* Lock in your airline price with Webjet’s Booking Price Guarantee

###  Flybuys 

Redeem for Flybuys points to save money off your shop with Flybuys Dollars or choose from thousands of Flybuys rewards including Flybuys travel.

[ Visit Flybuys ](https://experience.flybuys.com.au/partners/nab/) 

###  Velocity Frequent Flyer 

Fly with Virgin Australia, United Airlines, Virgin Atlantic, Singapore Airlines, Etihad Airways, Qatar Airways and more.

[ Visit Velocity ](https://experience.velocityfrequentflyer.com/partners-offers/all-partners) 

###  KrisFlyer 

Redeem and fly with Singapore Airlines, Scoot, Star Alliance airlines and more.

[ Visit KrisFlyer ](https://www.singaporeair.com/en%5FUK/us/plan-travel/partner-airlines/) 

###  Cathay Membership Programme 

From 27 April 2026, NAB Rewards customers will no longer be able to redeem NAB Rewards Points for the Cathay Pacific Program – Asia Miles.

[ Visit Cathay Membership Programme ](https://www.cathaypacific.com/cx/en%5FHK/our-partners.html#panel-Flights0) 

###  Air New Zealand Airpoints 

Redeem and fly with Air New Zealand, Air China, Singapore Airlines, United Airlines and more.

[ Visit Air New Zealand Airpoints ](https://www.airnewzealand.com.au/alliance-partners) 

###  ALL - Accor Live Limitless 

Redeem for ALL Reward points on Accor hotel stays. Choose from 5000 hotels across 40 brands and 110 countries.

[ Visit ALL ](https://all.accor.com/loyalty-program/reasonstojoin/index.en.shtml) 

##  Visit the NAB Rewards Store to redeem your points 

View and redeem your points in three simple steps.

2. Select your NAB Rewards card and you'll be able to see your points.
3. Select **Redeem points** and you'll be taken to the NAB Rewards Store.

Remember, your points expire three years after they were earned.

##  How do I transfer my NAB Rewards Points? 

Transfer your points in three easy steps.

1. Log into internet banking or your NAB app
2. Go to **My Cards**, select your NAB Rewards Card and click ‘Redeem points’
3. Select **Travel**, and then ‘Airline Partner Programs’

You can also set up automatic redemption with Flybuys or Velocity to have your NAB Rewards Points balance transferred every month into your account. Set this up in your profile on the NAB Rewards Store.

##  Credit card tools and calculators 

Need help finding the right card or want to see how much you could save with our credit cards? We have some handy tools to help.

Choose the right credit product with our easy-to-use tool.

Use our comparison tool to compare our credit card fees and features.

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##  Understanding credit cards 

Here are some handy guides to help you better understand how credit cards work.

A guide to help you decide if a credit card is right for you and how to apply for one if it is.

Benefit from your credit card – your card’s features might be sitting there unused.

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

## Help and support

We're here to help. Use our guides and support services to better manage your money.

## Other ways we can help

Use our help guides, FAQs and other support services to help you manage your banking more easily.

##  Other rewards cards to consider 

Still trying to decide on the right rewards card for you? Here are a few more options to consider.

Apply today for a rewards card that offers platinum services and an opportunity to earn bonus Qantas Points.

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

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

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##  Get in touch 

###  Visit a NAB branch 

Visit your nearest NAB branch to speak to us in person.

## Important Information 

### Terms and Conditions

 Apologies but the Important Information section you are trying to view is not displaying properly at the moment. Please refresh the page or try again later.

Consider the NAB Internet Banking terms and conditions which apply when using NAB Internet Banking and the NAB app, before making any decisions regarding these services. The NAB app is compatible with Android™ and iOS, minimum platform requirements apply. Android is a trademark of Google LLC. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Services issued by NAB.

**Fees and charges** 

Credit cards issued by National Australia Bank Limited.

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