Qantas Rewards Premium Card | Earn Frequent Flyer Points - NAB

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#  NAB Qantas Rewards Premium Credit Card 

Earn Qantas Points and enjoy platinum services and complimentary insurances.

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

[ Apply now ](https://www.nab.com.au/common/forms/creditcards#?products=nab-qantas-rewards-premium-card&campaignCode=OMF&own%5Fcid=25234-1) 

[ Help me choose a card ](https://www.nab.com.au/personal/credit-cards/calculators-and-tools/product-selector) 

 Jump to 

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

[ Apply now ](https://www.nab.com.au/common/forms/creditcards#?products=nab-qantas-rewards-premium-card&campaignCode=OMF&own%5Fcid=25234-2) 

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

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

[ Apply now ](https://www.nab.com.au/common/forms/creditcards#?products=nab-qantas-rewards-premium-card&campaignCode=OMF&own%5Fcid=25234-2) 

## 

Offer 

 New customers 

### Up to 100,000 bonus Qantas Points

* **60,000 bonus points** when you apply for a NAB Qantas Rewards Premium Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening and **40,000 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 Qantas 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 below.

[ Apply now ](https://www.nab.com.au/common/forms/creditcards#?products=nab-qantas-rewards-premium-card&campaignCode=OMF) 

## 

Offer 

 Existing customers 

### Up to 80,000 bonus Qantas Points, plus reduced annual card fee in the first year

* **60,000 bonus points** when you apply for a NAB Qantas Rewards Premium Card, are approved and spend **$2,000** on everyday purchases within the first **60 days** of account opening and **20,000 bonus points** when you keep your card for over 12 months.
* **Enjoy a $100 reduction in annual card fee (from $295 to $195) for the first year.**  
Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas 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 below.

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

## 

Offer 

 Existing customers 

### Up to 80,000 bonus Qantas Points, plus reduced annual card fee in the first year

* **60,000 bonus points** when you apply for a NAB Qantas Rewards Premium Card, are approved and spend **$2,000** on everyday purchases within the first **60 days** of account opening and **20,000 bonus points** when you keep your card for over 12 months.
* **Enjoy a $100 reduction in annual card fee (from $295 to $195) for the first year.**  
Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

[ Open in the NAB app , opens in new window ](https://miblinks.nab.com.au/navigation/VIEW%5FPRODUCT?product=credit-cards/qantas/qantas-rewards-premium-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                                                                                                                                                                                                 | **$295** **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 ](https://www.nab.com.au/personal/life-moments/manage-money/manage-debt/avoid-credit-card-fees) 

##  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 $6,000 per statement period.

###  1 Qantas Point per $1.50 

For the first $3000 on everyday purchases using your Visa card.

###  1 Qantas Point per $3 

For the next $3000 ($3001 - $6000) of everyday purchases on your Visa card.

###  Join for free 

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

###  Redeem rewards 

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

###  Bonus points 

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

## Important  Upcoming Complimentary Insurance changes 

**Effective 15 May 2026**, the cover period will reduce for International Travel Insurance.

[Please read the summary of changes for further details and how they will affect your insurance cover](https://www.nab.com.au/personal/insurance/complimentary-card-insurances/policy-changes).

##  Benefits of this Qantas Rewards card 

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

###  Complimentary insurances 

This covers domestic, interstate and international travel to [keep you safe](https://www.nab.com.au/personal/insurance/complimentary-card-insurances) at your destination.

###  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 

Add an [additional cardholder](https://www.nab.com.au/help-support/personal-banking/manage-cards/add-remove-additional-cardholder#additionalcardholders) at no extra cost.

###  Fraud protection 

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

###  Concierge service 

Your own 24 hours a day, 7 days a week personal assistant for travel and lifestyle services with [NAB Concierge Service](https://www.nab.com.au/personal/credit-cards/nab-concierge-service).

###  Emergency assistance 

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

###  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. Capped monthly points earn compared to our NAB Rewards cards.
2. Higher interest rates compared to our NAB Low Rate Card
3. Lower points earn per dollar compared to our NAB Qantas Signature Card.
4. Higher annual fee compared to our other cards.

## Enjoy complimentary insurances

###  Travel insurances 

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

###  Purchase insurances 

* Purchase protection insurance
* Extended warranty insurance

[ More about credit card insurances ](https://www.nab.com.au/personal/insurance/complimentary-card-insurances) 

## 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 ](https://www.nab.com.au/common/forms/creditcards#?products=nab-qantas-rewards-premium-card&campaignCode=OMF&own%5Fcid=25234-3) 

## 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.

[ Find out more about Qantas Shopping , opens in new window ](https://shopping.qantas.com/how-it-works#card-offers?alt%5Fcam=au:qs:n:part:partner-comms:nabxsell.may2022:tl:n:n:n) 

## 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.

[ Shop using your Qantas Points , opens in new window ](https://store.qantas.com/au/) 

## 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.

[ Travel tips and tools ](https://www.nab.com.au/personal/travel) 

##  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 the right credit product](https://www.nab.com.au/personal/credit-cards/calculators-and-tools/product-selector) 

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

### [ Compare credit cards](https://www.nab.com.au/personal/credit-cards/calculators-and-tools/compare) 

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

---

##  Understanding credit cards 

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

### [ How do credit cards work?](https://www.nab.com.au/personal/life-moments/manage-money/money-basics/credit-cards) 

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](https://www.nab.com.au/personal/credit-cards/credit-card-benefits) 

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

### [ How to avoid paying credit card interest](https://www.nab.com.au/personal/life-moments/manage-money/manage-debt/avoid-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 ](https://www.nab.com.au/personal/credit-cards/how-to-apply)
* [ Switch to another credit card ](https://www.nab.com.au/help-support/personal-banking/manage-cards/switch-card)
* [ Manage your credit card ](https://www.nab.com.au/help-support/personal-banking/manage-cards)
* [ Financial hardship assistance ](https://www.nab.com.au/help-support/financial-hardship)
* [ Managing your debts ](https://www.nab.com.au/personal/life-moments/manage-money/manage-debt)

## 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 ](https://www.nab.com.au/help-support) 

##  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 Signature Card](https://www.nab.com.au/personal/credit-cards/qantas-rewards/nab-qantas-rewards-signature-card) 

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

### [ NAB Rewards Platinum Credit Card](https://www.nab.com.au/personal/credit-cards/nab-rewards-cards/platinum-card) 

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

### [ NAB Rewards Signature Credit Card](https://www.nab.com.au/personal/credit-cards/nab-rewards-cards/signature-card) 

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

---

##  Get in touch 

###  Visit a NAB branch 

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

[ Find a NAB branch ](https://www.nab.com.au/locations) 

## Important Information 

### Terms and Conditions

* **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 1 July 2025 (PDF, 474KB)](https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-1-july-2025.pdf) which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to the [NAB Card Insurance Policy Information Booklet dated 1 November 2023 (PDF, 489KB)](https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-November-2023.pdf).
* **Qantas Rewards Premium Bonus Points Offer**  
Offer commenced 24 November 2025\. To be eligible for the 100,000 bonus Qantas Points offer, you must apply for a new personal NAB Qantas Rewards Premium Card before the offer is withdrawn, be approved, and spend $3,000 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 - 60,000 bonus Qantas Points will be awarded when you spend $3,000 on everyday 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 40,000 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 Premium Credit Card Account is cancelled or closed before the points appear in your Qantas Frequent Flyer Membership Account.  
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 offer.  
Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 24 months. This advertised offer of bonus points is not applicable or valid in conjunction with any other advertised or promotional offer.
* **Existing customer offer – Qantas Rewards Premium bonus points offer**  
Offer commenced on 27 May 2025\. To be eligible for the existing customer 80,000 bonus Qantas Points offer, you must apply for a new personal NAB Qantas Rewards Premium Card through the NAB app or Internet Banking, before the offer is withdrawn, be approved, and spend $2,000 on everyday purchases within 60 days of opening your account and keep your card open for over 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 - 60,000 bonus Qantas Points will be awarded when you spend $2,000 on everyday purchases in the first 60 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 Premium Credit Card Account is cancelled or closed before the points appear in your Qantas Frequent Flyer Membership Account.  
NAB may vary or end this offer at any time. Bonus points are not available to customers who currently hold, or have held, any personal NAB Qantas Rewards Credit Card in the last 24 months. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB offer.  
A reduced annual card fee of $195 will be charged when the card is opened and applies for the first 12 months. You will be charged the standard $295 annual card fee in the 13th month of your card account.
* **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.
* 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](https://www.nab.com.au/content/nabrwd/en/personal/interest-rates-fees-and-charges/indicator-rates-for-other-personal-lending.html) 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](https://www.nab.com.au/content/nabrwd/en/personal/credit-cards/balance-transfers.html) of your card.
* **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.
* 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](https://www.nab.com.au/content/nabrwd/en/personal/credit-cards/balance-transfer-interest-free-days.html).
* 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](https://www.nab.com.au/content/nabrwd/en/help-support/financial-wellbeing/gambling-restriction.html).
* **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](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/qantas-rewards-tcs.pdf). 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.au/joinffnab., opens in new window](http://www.qantas.com.au/joinffnab) 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](http://www.qantas.com.au/terms)  
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](https://qantas.com/) 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](https://marketplace.qantas.com/au) and [wine.qantas.com, opens in new window](https://wine.qantas.com/).  
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](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-flight-rewards.html?int%5Fcam=au%3Ause-points%3Aarticle%3Aclassic-flight-rewards%3Aen%3Ann) for more information.  
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.
* **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.
* 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](tel:1300730213), 24 hours a day, 7 days a week. See the [NAB Concierge Service terms and conditions](https://www.nab.com.au/content/nabrwd/en/personal/credit-cards/nab-concierge-service.html) for full details.
* 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.
* 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](https://shopping.qantas.com/terms-and-conditions "Original URL: https://shopping.qantas.com/terms-and-conditions  Click to follow link.").

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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](https://www.nab.com.au/personal/credit-cards/terms-conditions). [Credit card fees and charges](https://www.nab.com.au/personal/credit-cards/fees-charges) are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at today.

Credit cards issued by National Australia Bank Limited.

[NAB Credit Card Terms and Conditions](https://www.nab.com.au/personal/credit-cards/terms-conditions)

[NAB Electronic Banking (card based) terms and conditions](https://www.nab.com.au/personal/credit-cards/terms-conditions/card-based-electronic-banking)

[NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB)](https://www.nab.com.au/content/dam/nabrwd/documents/pds/insurance/nab-credit-card-cover-pds.pdf)

[Credit card fees and charges](https://www.nab.com.au/personal/credit-cards/fees-charges)