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

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1. Personal
2. Credit cards
3. NAB Rewards credit cards
4. NAB Rewards Platinum Credit Card

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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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• Rates & fees
• Card benefits
• How to apply
• Manage your card

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

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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, have held, or are transferring from, any personal NAB Rewards Credit Card in the last 24 months.
  Bonus points are credited to your points balance within three months of meeting the spend criteria.
  Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information.

Apply now

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, have held, or are transferring from, any personal NAB Rewards Credit Card in the last 24 months.
  Bonus points are credited to your points balance within three months of meeting the spend criteria.
  Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information.

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Rates and fees

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

Variable purchase rate	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.

Learn how to avoid fees

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.

Learn more about how the NAB Rewards program works and find out how to earn more points.

Benefits of this rewards card

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

Auto redeem for flybuys, Velocity or 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.

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.

Add another card

Add an additional cardholder at no extra cost.

Concierge service

Your own personal assistant for travel and lifestyle services, 24 hours a day, 7 days a week, with NAB Concierge Service.

Click to Pay

Enjoy a quicker and more secure way to pay online with your NAB Visa card. No need to manually enter your card details every time – simply select Click to Pay at participating online checkouts for a seamless experience.

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Offer

Discover more benefits with your NAB credit card

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

Explore partner offers

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

More about credit card insurances

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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.

Apply now

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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.

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Meet the eligibility criteria

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

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Apply online

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

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We’ll be in touch

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

Where can I transfer my NAB Rewards Points to?

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

Frequent flyer program	NAB Rewards Points transfer rate	Automatic redemption available
Flybuys	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

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New

Earn Velocity Points

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

• Convert 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.

View our available Velocity Points offers

NAB Rewards travel and partner options

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

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Travel with Webjet when you redeem your NAB Rewards Points

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

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Flybuys

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

Visit Flybuys

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Velocity Frequent Flyer

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

Visit Velocity

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KrisFlyer

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

Visit KrisFlyer

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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

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Air New Zealand Airpoints

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

Visit Air New Zealand Airpoints

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ALL - Accor Live Limitless

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

Visit ALL

Visit the NAB Rewards Store to redeem your points

View and redeem your points in three simple steps.

1. Log into NAB Internet Banking or the NAB app and go to Cards.
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.

Help me choose a card

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

Compare credit cards

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

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Understanding credit cards

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

How do credit cards work?

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

Make the most of your credit card’s features

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

How to avoid paying credit card interest

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

Help and support

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

• How to apply for a credit card
• Switch to another credit card
• Manage your credit card
• Financial hardship assistance
• Managing your debts
• View and redeem NAB Rewards Points

Other ways we can help

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

View our help and support hub

Other rewards cards to consider

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

NAB Qantas Rewards Premium Credit Card

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

NAB Rewards Signature Credit Card

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

NAB Qantas Rewards Signature Card

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

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Get in touch

Visit a NAB branch

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

Find a NAB branch

Important Information

Terms and Conditions

• Balance transfer 12 month offer rate
  After 12 months, any unpaid balance transfers will attract the variable cash advance rate (currently 21.74% p.a. as at today). 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.
• NAB Rewards Platinum 100K Bonus Points Offer
  Offer commenced 27 May 2025. To be eligible for the 100,000 bonus points offer, you must apply for a new personal NAB Rewards Platinum Card before the offer is withdrawn, be approved, and spend $3,000 on everyday purchases within 90 days of opening your account on your NAB Rewards Platinum Card. Points will be awarded on a tiered basis - 80,000 bonus points when you spend $3,000 on everyday purchases in the first 90 days (credited to your points balance within three months of meeting the spend criteria) and 20,000 bonus points after 12 months (credited to your points balance within the 13th month). NAB may vary or end this offer at any time.
  Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. Points will be credited to your points balance within three months of meeting the spend criteria. Bonus points are not available to customers who currently hold, or have held, any personal NAB Rewards Credit Card in the last 24 months. Offers are not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB credit card offer. Gift Card values correct as of offer commencement date. Points values and stock levels subject to change. Check our reward website, opens in new window.
• Existing Customer Offer – NAB Rewards Platinum Bonus Points Offer
  Offer commenced 27 May 2025.
  To be eligible for the existing customer 100,000 bonus points offer, you must apply for a new personal NAB Rewards Platinum Card via the NAB App or NAB Internet Banking before the offer is withdrawn, be approved, and spend $3,000 on everyday purchases within 90 days of opening your account and keep your card account open for over 12 months. Points will be awarded on a tiered basis - 80,000 bonus points when you spend $3,000 on everyday purchases in the first 90 days (credited to your points balance within three months of meeting the spend criteria) and 20,000 bonus points after 12 months (credited to your points balance within the 13th month). NAB may vary or end this offer at any time.
  The reduced annual card fee of $95 will be charged at the time of card opening and applies for the first 12 months. You will be charged the standard annual card fee (currently $195) in the 13th month of your card account and annually thereafter.
  Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. Points will be credited to your points balance within three months of meeting the spend criteria. Bonus points are not available to customers who currently hold, or have held, any personal NAB Rewards Credit Card in the last 24 months. Offers are not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB credit card offer. Gift Card values correct as at offer commencement date. Points values and stock levels subject to change. Check our reward website, opens in new window.
• Existing customer offers
  Existing customers can access customer offers by applying for a new NAB Credit Card through the NAB app or Internet Banking whilst the offers are open. 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.
• Variable interest rates current as at date
  Interest rates are current as at today and are subject to change.
• 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.
• 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.
• 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.
• NAB Rewards Platinum Card — Earning points and Points Booster
  Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions (PDF, 199KB), opens in new window available at rewards.nab.com.au, opens in new window. These terms describe the purchases not eligible to earn points. You must have an open and active NAB Rewards credit card account to earn points. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.
  Bonus Points at eligible Grocery stores: 1 NAB Rewards Point + 0.5 additional NAB Rewards Points (Bonus Points).
  Eligibility for additional points at Grocery stores is determined by a merchant’s Merchant Category Code (MCC). An eligible Grocery store is a merchant whose MCC is designated as 5411 Grocery stores. NAB is not responsible for designating MCCs and has no control over the same. 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.
  Bonus points with Webjet: 1 NAB Rewards Point + 1 additional NAB Rewards Point (Bonus Points).
  Purchases made online with Webjet via NAB Rewards Store or on Webjet.com.au, opens in new window. Webjet Booking Terms and Conditions apply.
  Points Booster is subject to the NAB Rewards Terms and Conditions, opens in new window. Only eligible transactions under those terms and conditions earn points and bonus points. Points are credited to your points balance after the eligible transaction is credited to your NAB Rewards credit card account: for standard points within 10 business days of processing and for Bonus Points within 3 business days of the standard points being processed. Details are correct as at 18 April 2024 and are subject to change by NAB.
• 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.
• 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.
• 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.
• 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 Signature, NAB Rewards Platinum, 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), opens in new window 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.
• 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.

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

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

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

**Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026. If we make changes, these will be communicated in accordance with our terms & conditions.

Credit cards issued by National Australia Bank Limited.

NAB Credit Card Terms and Conditions

NAB Electronic Banking (card based) terms and conditions

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB)

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