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Personal
- Personal home [/personal]
- Bank accounts [/personal/bank-accounts]
- Buy now pay later [/personal/buy-now-pay-later]
- Credit cards [/personal/credit-cards]
- Personal loans [/personal/personal-loans]
- Home loans [/personal/home-loans]
- Online banking [/personal/online-banking]
- Private Wealth [/personal/private-wealth]
- Super and investments [/personal/super-and-investments]
- Insurance [/personal/insurance]
- International banking [/personal/international-banking]
Business
- Business home [/business]
- Business bank accounts [/business/business-bank-accounts]
- Loans and finance [/business/loans-and-finance]
- Business credit cards [/business/business-credit-cards]
- EFTPOS, payments and merchants [/business/payments-and-merchants]
- Online banking [/business/online-banking]
- International and foreign exchange [/business/international-and-foreign-exchange]
- Industry specific banking [/business/industry]
- Small business [/business/small-business]
- NAB Bookkeeper [/business/nab-bookkeeper]
Corporate
- Corporate home [/corporate]
- Global relationships [/corporate/global-relationships]
- Industry expertise [/corporate/industry-expertise]
- Specialist solutions [/corporate/specialist-solutions]
- Sustainability and ESG [/corporate/sustainability-esg]
- Research and insights [/corporate/research-insights]
About us
- About us home [/about-us]
- Security [/about-us/security]
- Careers at NAB [/about-us/careers]
- Sustainability [/about-us/sustainability]
- Corporate Governance [/about-us/corporate-governance]
- Shareholder Centre [/about-us/shareholder-centre]
- Capital and funding [/about-us/capital-and-funding]
- Media [/about-us/media]
- More than money [/about-us/more-than-money]
- Accessibility [/about-us/accessibility-inclusion]
Help
- Help home [/help-support]
- Help with personal banking [/help-support/personal-banking]
- Help with business banking [/help-support/business-banking]
- Ways to bank with us [/help-support/better-ways-to-bank]
- Financial wellbeing [/help-support/financial-wellbeing]
- Financial assistance [/help-support/financial-hardship]
/contact-us

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Personal
- Personal home [/personal]
- Bank accounts [/personal/bank-accounts]
  - Bank accounts [/personal/bank-accounts]
  - Transaction accounts [/personal/bank-accounts/transaction-accounts]
  - Savings accounts [/personal/bank-accounts/savings-accounts]
  - Visa Debit cards [/personal/bank-accounts/debit-cards]
  - Term Deposit [/personal/bank-accounts/nab-term-deposit]
  - Joint bank accounts [/personal/bank-accounts/joint-accounts]
  [/content/experience-fragments/nab/en/mega-menu-widget/product/personal_bank_accoun/nab-now-pay-later-cashback/master/_jcr_content/root/responsivegrid/section_container/image_copy.coreimg.95.512.jpeg/1725848291858/nnpl-q4-banner-man-dog-selfie-3000x1000.jpeg]
  
  UP TO $60 CASHBACK
  
  Get cashback when you spend with NAB Now Pay Later.
  
  Find out more [/personal/buy-now-pay-later]
- Buy now pay later [/personal/buy-now-pay-later]
- Credit cards [/personal/credit-cards]
  - Credit cards [/personal/credit-cards]
  - NAB StraightUp Card [/personal/credit-cards/nab-straightup-card]
  - NAB Low Rate Credit Card [/personal/credit-cards/nab-low-rate-card]
  - NAB low fee credit card [/personal/credit-cards/low-fee-cards]
  - NAB Qantas Rewards credit cards [/personal/credit-cards/qantas-rewards]
  - NAB Rewards credit cards [/personal/credit-cards/nab-rewards-cards]
  OFFER 180,000 NAB REWARDS BONUS POINTS
  
  Earn 130,000 bonus points when you spend $3,000 using your new NAB Rewards Signature Card within 60 days of account opening and 50,000 bonus points when you keep your card for over 12 months.
  
  Minimum monthly repayments required. NAB may vary or end this offer at any time. Eligibility criteria, exclusions and T&Cs apply.
  
  View our NAB Rewards Signature Card offer [/personal/credit-cards/nab-rewards-cards/signature-card]
- Personal loans [/personal/personal-loans]
- Home loans [/personal/home-loans]
  - Home loans [/personal/home-loans]
  - Basic variable rate [/personal/home-loans/nab-base-variable-rate-home-loan]
  - Tailored variable rate with offset [/personal/home-loans/nab-variable-rate-offset-home-loan]
  - Tailored fixed rate [/personal/home-loans/nab-fixed-rate-home-loan]
  VIEW CALCULATORS
  - What will my repayments be? [/personal/home-loans/calculators/loan-repayments-calculator]
  - How much can I borrow? [/personal/home-loans/calculators/borrowing-calculator]
  - How much equity do I have? [/personal/home-loans/calculators/equity-loan-calculator]
  - What will my stamp duty be? [/personal/home-loans/calculators/stamp-duty-calculator]
  REFINANCING YOUR HOME LOAN?
  
  Our home loan experts are here to help.
  
  Book a time with a NAB home loan expert who can guide you through the application process and answer any questions you might have.
  
  Find out more about refinancing your home loan [/personal/home-loans/refinance]
- Online banking [/personal/online-banking]
  - Online banking [/personal/online-banking]
  - NAB Internet Banking [/personal/online-banking/nab-internet-banking]
  - Digital payments [/personal/online-banking/digital-payments]
  - The NAB app [/personal/online-banking/mobile-banking-app]
  - Fast Payments guide [/personal/online-banking/fast-payments]
- Private Wealth [/personal/private-wealth]
  - Private Wealth [/personal/private-wealth]
  - Banking solutions [/personal/private-wealth/tailored-solutions]
  - Investment solutions [/personal/private-wealth/investment-solutions]
  - Advice solutions [/personal/private-wealth/advice-solutions]
  - Our clients [/personal/private-wealth/our-clients]
  - Private banking [/personal/private-wealth/what-is-private-banking]
  VIEW OUR RESEARCH AND INSIGHTS HUB
  - View wealth news and trends , opens in new window [https://business.nab.com.au/tag/private-view/?browser=external]
  - View investment insights , opens in new window [https://business.nab.com.au/tag/investments/?browser=external]
- Super and investments [/personal/super-and-investments]
  - Super and investments [/personal/super-and-investments]
  - Financial advice [/personal/super-and-investments/financial-advice]
  - Investment lending [/personal/super-and-investments/investment-lending]
  - Self Managed Super Funds (SMSF) [/personal/super-and-investments/self-managed-super-fund]
  - Cash management [/personal/super-and-investments/cash-management]
  - Online investing - nabtrade [/personal/super-and-investments/online-investing]
- Insurance [/personal/insurance]
  - Insurance [/personal/insurance]
  - Home and Contents Insurance [/personal/insurance/home-contents]
  - Landlord Insurance [/personal/insurance/landlord]
  - Car Insurance [/personal/insurance/car]
  - Caravan and trailer insurance [/personal/insurance/caravan-trailer]
  - Complimentary card insurances [/personal/insurance/complimentary-card-insurances]
- International banking [/personal/international-banking]
  - International banking [/personal/international-banking]
  - Foreign exchange calculator and rates [/personal/international-banking/foreign-exchange-rates]
  - Transfer money overseas [/personal/international-banking/transfer-money-overseas]
  - International transaction fees on your card explained [/personal/international-banking/international-transaction-fee]
  [/content/experience-fragments/nab/en/mega-menu-widget/product/personal/international-banking-mega-menu-tile/master/_jcr_content/root/responsivegrid/section_container_co/image_1835808957.coreimg.95.512.jpeg/1702614173357/international-money-masthead-2500x900.jpeg]
  
  $0 INTERNATIONAL TRANSFER FEE
  
  Transfer your money securely overseas using NAB Internet Banking or the NAB app. $0 transfer fee when sending in a foreign currency.
  
  Learn more about international transfers [/personal/international-banking/transfer-money-overseas]
Business
- Business home [/business]
- Business bank accounts [/business/business-bank-accounts]
  - Business bank accounts [/business/business-bank-accounts]
  - Business transaction accounts [/business/business-bank-accounts/transaction-accounts]
  - Business savings and term deposit accounts [/business/business-bank-accounts/savings-and-deposit-accounts]
  - Specialised accounts [/business/business-bank-accounts/specialised-accounts]
  [/content/experience-fragments/nab/en/mega-menu-widget/product/business-accounts/business-everyday-account-zero-monthly-fee/master/_jcr_content/root/responsivegrid/section_container_co/image.coreimg.95.512.jpeg/1724378240566/nab-business-brand-campaign-bta-3000x1000.jpeg] MOST POPULAR GET A $0 MONTHLY FEE NAB BUSINESS EVERYDAY ACCOUNT
  
  Only pay for what you need, with this transaction account with no monthly account fee.
  
  Find out more [/business/business-bank-accounts/transaction-accounts/no-monthly-fee-business-account?own_cid=24076-1]
  
  YOU MIGHT BE INTERESTED IN
  - Tools and calculators [/business/calculators]
  - Compare bank accounts [/business/business-bank-accounts/compare-accounts]
  - Resume a saved business application [/help-support/business-banking/resume-saved-application]
- Loans and finance [/business/loans-and-finance]
  - Loans and finance [/business/loans-and-finance]
  - Business loans [/business/loans-and-finance/business-loans]
  - Business overdrafts [/business/loans-and-finance/business-overdrafts]
  - Business car and equipment finance [/business/loans-and-finance/vehicle-or-equipment]
  - Trade and invoice finance [/business/loans-and-finance/trade-and-invoice-finance]
  - Bank guarantee [/business/loans-and-finance/guarantee]
  - Home loans for business owners [/business/loans-and-finance/home-loans]
  [/content/experience-fragments/nab/en/mega-menu-widget/product/business_loans/quickbiz-unsecured-banner-tile/master/_jcr_content/root/responsivegrid/section_container/image.coreimg.95.512.jpeg/1670819594891/quickbiz-clock-masthead-banner-image-1920x690.jpeg]
  
  UNSECURED BUSINESS FINANCE [/business/loans-and-finance/unsecured-business-loans-overdrafts?own_cid=22101]
  
  Get a fast, simple unsecured loan with NAB QuickBiz. No physical assets required for security and fast access to funds. It's easy to apply online and you'll receive an instant decision.
  
  RELATED TOOLS AND CALCULATORS
  - Book an appointment [/common/forms/business/appointment-booking-request?businessunit=businessandprivatebanking&role=bdsb]
  - Business loan repayment calculator [/business/calculators/business-loan-repayment-calculator]
- Business credit cards [/business/business-credit-cards]
  - Business credit cards [/business/business-credit-cards]
  - Business credit card benefits [/business/business-credit-cards/benefits]
  - NAB Rewards Business Signature Card [/business/business-credit-cards/nab-rewards-business-signature-card]
  - NAB Qantas Business Signature Card [/business/business-credit-cards/nab-qantas-business-signature-card]
  - NAB Low Rate Business Card [/business/business-credit-cards/low-rate-business-card]
  - NAB Business Card [/business/business-credit-cards/nab-business-card]
  - NAB Purchasing and Corporate Cards [/business/business-credit-cards/nab-purchasing-and-corporate-cards]
  NAB Qantas Business Signature Card [/content/experience-fragments/nab/en/mega-menu-widget/product/business_credit_card/nab-qantas-business-signature-card-bonus-points-offer/master/_jcr_content/root/responsivegrid/section_container_co/image.coreimg.95.512.jpeg/1701218536145/nab-qantas-business-signature-card-with-background-3000x1000.jpeg] OFFER 200,000 BONUS QANTAS POINTS
  
  Earn 200,000 bonus Qantas Points when you spend $4,000 on everyday business purchases within 60 days of opening your new account. Eligibility criteria and terms and conditions apply.
  
  NAB Qantas Business Signature Card [/business/business-credit-cards/nab-qantas-business-signature-card]
  
  RELATED TOOLS AND HELP
  - Business card selector tool [/business/business-credit-cards/help-me-choose]
  - Business credit card support [/help-support/business-banking/manage-business-cards]
- EFTPOS, payments and merchants [/business/payments-and-merchants]
  - EFTPOS, payments and merchants [/business/payments-and-merchants]
  - Accepting payments in person [/business/payments-and-merchants/accepting-in-person-payments]
  - eCommerce and online payments [/business/payments-and-merchants/ecommerce-and-online-payments]
  - Billing and recurring payments [/business/payments-and-merchants/billing-and-recurring-payments]
  - Making payments [/business/payments-and-merchants/making-payments]
  - Merchant support centre [/business/payments-and-merchants/merchant-support-centre]
  [/content/experience-fragments/nab/en/mega-menu-widget/product/payments-merchants/eftpos-200-cashback-offer/master/_jcr_content/root/responsivegrid/section_container_co/image.coreimg.95.512.jpeg/1722563171209/nab-business-brand-campaign-terminal-3000x1000.jpeg] OFFER GET $200 CASHBACK WITH NAB EFTPOS
  
  Sign up and make your first transaction with NAB EFTPOS between 12 August 2024 and 30 November 2024 to receive a once-off $200 cashback. You must settle $5,000 in transactions within the first 30 days.
  
  Available for NAB EFTPOS Standalone and Integrated machines. Simple pricing only Eligibility criteria and terms and conditions apply.
  
  NAB EFTPOS machines [/business/payments-and-merchants/accepting-in-person-payments/eftpos-terminals]
- Online banking [/business/online-banking]
  - Online banking [/business/online-banking]
  - NAB Connect online banking [/business/online-banking/nab-connect]
  - NAB Direct Link [/business/online-banking/nab-direct-link]
  - Internet banking for business [/business/online-banking/nab-internet-banking]
  RELATED TOOLS AND HELP
  - Compare online banking platforms [/business/online-banking/compare-banking-options?own_cid=23014]
  - View our online security tips [/about-us/security/online-safety-tips-business?own_cid=23014]
  - NAB Connect help guides [/business/online-banking/nab-connect/help]
  work colleague with laptop [/content/experience-fragments/nab/en/mega-menu-widget/support_and_services/business_online_bank/related-tools-and-nab-connect-promo/master/_jcr_content/root/responsivegrid/section_container_1876757274/image.coreimg.95.512.jpeg/1714707693671/work-colleagues-with-laptop-stars-banner-3000x1000.jpeg]
  
  NAB CONNECT
  
  NAB Connect is a powerful online banking solution that offers your business the flexibility of multiple users, advanced reporting and much more.
  
  Learn more [/business/online-banking/nab-connect]
- International and foreign exchange [/business/international-and-foreign-exchange]
  - International and foreign exchange [/business/international-and-foreign-exchange]
  - International money transfers for business [/business/international-and-foreign-exchange/international-money-transfers]
  - Financial markets [/business/international-and-foreign-exchange/financial-markets]
  - International payments [/business/international-and-foreign-exchange/international-payments]
  Corporate city skyline [/content/experience-fragments/nab/en/mega-menu-widget/product/business_industry/international-transfers-business/master/_jcr_content/root/responsivegrid/section_container/image_1835808957_cop.coreimg.95.512.jpeg/1702531635915/corporate-city-skyline-3000x1000.jpeg]
  
  $0 INTERNATIONAL TRANSFER FEES
  
  Transfer your money securely overseas using NAB Connect or Direct Link. A $0 fee applies when making an international transfer with a foreign currency conversion.
  
  Find out more about international transfers [/business/international-and-foreign-exchange/international-money-transfers]
- Industry specific banking [/business/industry]
- Small business [/business/small-business]
  - Small business [/business/small-business]
  - Business moments [/business/small-business/moments]
  - Small Business Hub [/business/small-business/hub]
  Small Biz Explorer innovation excellence Canstar 2024 award [/content/experience-fragments/nab/en/mega-menu-widget/product/business_industry/small-biz-explorer-mega-menu-tile/master/_jcr_content/root/responsivegrid/section_container_co/image.coreimg.95.512.jpeg/1715732718649/small-biz-explorer-canstar-2024-award-3000x1000.jpeg]
  
  SMALL BIZ EXPLORER [/business/small-business/small-biz-explorer]
  
  Business product selection, made easy. Explore multiple products all in one place with Small Biz Explorer. NAB’s Small Biz Explorer was awarded the Canstar Award for Innovation Excellence 2024.
- NAB Bookkeeper [/business/nab-bookkeeper]
Corporate
- Corporate [/corporate]
- Global relationships [/corporate/global-relationships]
- Industry expertise [/corporate/industry-expertise]
  - Industry expertise [/corporate/industry-expertise]
  - Innovating in the property sector [/corporate/industry-expertise/innovating-in-the-property-sector]
  - Other specialised industries [/corporate/industry-expertise/other-specialised-industries]
  headphones [/content/experience-fragments/nab/en/mega-menu-widget/support_and_services/morning-call-podcast/master/_jcr_content/root/responsivegrid/section_container_18/image.coreimg.95.512.jpeg/1685512462037/headphones-banner-2500x900.jpeg]
  
  THE MORNING CALL PODCAST
  
  Start your day with the NAB Morning Call Podcast, for the latest overnight key economic and market information straight from our team of experts.
  
  Listen now , opens in new window [https://shows.acast.com/morningcall]
- Specialist solutions [/corporate/specialist-solutions]
  - Specialist solutions [/corporate/specialist-solutions]
  - Specialised finance [/corporate/specialist-solutions/specialised-finance]
  - Creating value through working capital [/corporate/specialist-solutions/creating-value-through-trade-and-working-capital]
  - Enabling global transactions [/corporate/specialist-solutions/enabling-global-transactions]
  - Managing market risk [/corporate/specialist-solutions/managing-market-risk]
  - Partnering with investors [/corporate/specialist-solutions/partnering-investors]
  - Building global infrastructure [/corporate/specialist-solutions/building-global-infrastructure]
  headphones [/content/experience-fragments/nab/en/mega-menu-widget/support_and_services/morning-call-podcast/master/_jcr_content/root/responsivegrid/section_container_18/image.coreimg.95.512.jpeg/1685512462037/headphones-banner-2500x900.jpeg]
  
  THE MORNING CALL PODCAST
  
  Start your day with the NAB Morning Call Podcast, for the latest overnight key economic and market information straight from our team of experts.
  
  Listen now , opens in new window [https://shows.acast.com/morningcall]
- Sustainability and ESG [/corporate/sustainability-esg]
- Research and insights [/corporate/research-insights]
About us
- About us [/about-us]
- Security [/about-us/security]
  - Security [/about-us/security]
  - Latest scams, phishing messages and fraud alerts [/about-us/security/latest-fraud-scam-alerts]
  - Cyber safety training [/about-us/security/cyber-safety-training-modules]
  - Personal security hub [/about-us/security/online-safety-tips]
  - Business security hub [/about-us/security/online-safety-tips-business]
  [/content/experience-fragments/nab/en/mega-menu-widget/support_and_services/security/improve-your-cyber-security/master/_jcr_content/root/responsivegrid/section_container/image.coreimg.95.512.jpeg/1725848435845/nab-scam-awareness-pattern-banner-2400x800.jpeg]
  
  HELPING YOU STAY SAFE FROM SCAMS
  
  Catch up on The Big Scam Education Conversation - a 45 minute webinar where NAB security experts talk about the latest scams, common red flags and ways to protect yourself, your loved ones and your business.
  
  Watch The Big Scam Education Conversation [/about-us/security/online-safety-tips/scam-awareness-week/the-big-scam-education-conversation-video]
- Careers at NAB [/about-us/careers]
  - Careers at NAB [/about-us/careers]
  - Benefits of working at NAB [/about-us/careers/benefits]
  - Search and apply for jobs [https://careers.nab.com.au/en/listing/]
  - Our business areas [/about-us/careers/business-areas]
  - Graduate jobs and early careers [/about-us/careers/early-careers]
  - First Nations careers [/about-us/careers/first-nations-careers]
- Sustainability [/about-us/sustainability]
  - Sustainability [/about-us/sustainability]
  - Disaster relief and support [/about-us/sustainability/natural-disaster-relief-support]
  - NAB Foundation [/about-us/sustainability/nab-foundation]
  - Environment [/about-us/sustainability/environment]
  - Customer and community support [/about-us/sustainability/customer-community-support]
  - Reporting, policies and approach [/about-us/sustainability/reporting-policies-approach]
  MORE ABOUT SUSTAINABILITY
  - Climate action [/about-us/sustainability/environment/climate-change]
  - First Nations [/about-us/sustainability/customer-community-support/first-nations-support]
- Corporate Governance [/about-us/corporate-governance]
  - Corporate Governance [/about-us/corporate-governance]
  - Collecting your tax information [/about-us/corporate-governance/collecting-your-tax-information]
  - Managing financial crime [/about-us/corporate-governance/managing-financial-crime]
  - National Australia Bank Ltd Code of Conduct [/about-us/corporate-governance/code-of-conduct]
  - Banking Code of Practice [/about-us/corporate-governance/banking-code-of-practice]
  - Code of Operation [/about-us/corporate-governance/code-of-operation]
- Shareholder Centre [/about-us/shareholder-centre]
  - Shareholder Centre [/about-us/shareholder-centre]
  - ASX announcements [/about-us/shareholder-centre/asx-announcement]
  - Dividend information [/about-us/shareholder-centre/dividend-information]
  - Financial calendar [/about-us/shareholder-centre/financial-calendar]
  - Financial disclosures and reporting [/about-us/shareholder-centre/financial-disclosures-and-reporting]
  - Annual General Meeting [/about-us/shareholder-centre/annual-general-meetings]
  - General shareholding enquiries [/about-us/shareholder-centre/shareholder-enquiries]
- Capital and funding [/about-us/capital-and-funding]
- Media [/about-us/media]
- More than money [/about-us/more-than-money]
  - More than money [/about-us/more-than-money]
  - Our sponsorships [/about-us/more-than-money/sponsorships]
- Accessibility [/about-us/accessibility-inclusion]
  - Accessibility [/about-us/accessibility-inclusion]
  - Accessibility action plan [/about-us/accessibility-inclusion/action-plan]
  - Branch, ATM and payments accessibility [/about-us/accessibility-inclusion/banking-services]
  - Web accessibility [/about-us/accessibility-inclusion/online-banking-features]
  - Mobile app accessibility [/about-us/accessibility-inclusion/mobile-banking-features]
Help
- Help [/help-support]
- Help with personal banking [/help-support/personal-banking]
  - Help with personal banking [/help-support/personal-banking]
  - Online banking support [/help-support/personal-banking/manage-online-banking]
  - Credit and debit card support [/help-support/personal-banking/manage-cards]
  - Home loan support [/help-support/personal-banking/manage-home-loan]
  - Personal loan support [/help-support/personal-banking/manage-personal-loans]
  - Term deposit support [/help-support/personal-banking/manage-rollover]
  - Payments and transfers support [/help-support/personal-banking/manage-payments-transfers]
  NEED MORE HELP?
  - Identify and report fraud and scams [/about-us/security/fraud-scams]
  - Dispute a transaction [/help-support/transaction-dispute]
  - How to give us feedback [/contact-us/feedback]
  - Contact us [/contact-us]
- Help with business banking [/help-support/business-banking]
  - Help with business banking [/help-support/business-banking]
  - Business credit card support [/help-support/business-banking/manage-business-cards]
  TROUBLESHOOTING GUIDES
  - NAB Connect guides [/business/online-banking/nab-connect/help]
  - Merchant support centre [/business/payments-and-merchants/merchant-support-centre]
  - Contact us [/contact-us]
- Ways to bank with us [/help-support/better-ways-to-bank]
- Financial wellbeing [/help-support/financial-wellbeing]
- Financial assistance [/help-support/financial-hardship]
  - Financial assistance [/help-support/financial-hardship]
  - Home loan repayment support [/help-support/financial-hardship/home-loan]
  - Credit card or personal loan support [/help-support/financial-hardship/credit-card-personal-loan]
  - Business financial hardship [/help-support/financial-hardship/business]
  - Extra care support services [/help-support/financial-hardship/support-services]
  NEED MORE HELP?
  - Identify and report fraud and scams [/about-us/security/fraud-scams]
  - Dispute a transaction [/help-support/transaction-dispute]
  - How to give us feedback [/contact-us/feedback]
  - Contact us [/contact-us]

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[https://ib.nab.com.au/login]
NAB Connect

[https://www.nab.com.au/cgi-bin/nabconnect/nc_start.pl?browser=correct]
nabtrade

[https://www.nabtrade.com.au/]
Margin Lending

[https://equitylending.nab.com.au/Login.aspx]
NAB Transact

[https://transact.nab.com.au/nablogin/index.jsp]
Asset Servicing

[https://assetservicing.nab.com.au]

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[/personal/online-banking/mobile-banking-app]
Internet Banking

[https://ib.nab.com.au/login]
NAB Connect

[http://www.nab.com.au/cgi-bin/nabconnect/nc_start.pl]
nabtrade

[https://www.nabtrade.com.au/]
Margin Lending

[https://equitylending.nab.com.au/Login.aspx]
NAB Transact

[https://transact.nab.com.au/nablogin/index.jsp]
Asset Servicing

[https://assetservicing.nab.com.au]
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Personal [/personal]
Credit cards [/personal/credit-cards]
NAB Qantas Rewards credit cards [/personal/credit-cards/qantas-rewards]
NAB Qantas Rewards Premium Credit Card

[/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card/_jcr_content/root/banner/image.coreimg.90.1920.jpeg/1637815487073/qantas-premium-card-banner-1920x690.jpeg]

NAB QANTAS REWARDS PREMIUM CREDIT CARD

Earn Qantas Points and enjoy platinum services and complimentary insurances. *View Disclaimer 1

Apply online in 15 minutes and get a response in 60 seconds. Apply now [/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card-checklist] Help me choose a card [/personal/credit-cards/calculators-and-tools/product-selector]

[/content/experience-fragments/nab/en/featured_banner/product/personal_credit_card/70k-bonus-qantas-points/master/_jcr_content/root/responsivegrid/section_container_co/feature_container_co/responsivegrid/feature_content_secondary/responsivegrid/image.coreimg.95.512.jpeg/1723008462576/qantas-plane-clouds.jpeg] OFFER 70,000 BONUS QANTAS POINTS

60,000 bonus points when you spend $2,000 on everyday purchases within the first 60 days of account opening and 10,000 bonus points when you keep your card for over 12 months. *View Disclaimer 2
You’ll also enjoy a reduced annual card fee (from $295 to $195) for the first year. *View Disclaimer 2

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more by applying through the NAB app or NAB Internet Banking. *View Disclaimer 3

Minimum monthly repayments required. NAB may vary or end this offer at any time. See important information below.

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 *View Disclaimer 4 20.99% p.a. Standard balance transfer (BT) rate for 12 months 3% BT fee applies. Unpaid BT reverts to variable cash advance rate *View Disclaimer 5

We can’t process balance transfers from certain issuers – see our indicative list. *View Disclaimer 6

0% p.a. Interest free days on purchases *View Disclaimer 7 Up to 44 Annual card fee (reduced to $195 for the first year) *View Disclaimer 2 $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. *View Disclaimer 8, *View Disclaimer 4 21.74% p.a.

Learn how to avoid fees [/personal/life-moments/manage-money/manage-debt/avoid-credit-card-fees]

Nab internet banking [data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7]

UNLOCK OFFERS FOR EXISTING CUSTOMERS

If you’re already a NAB customer you could be eligible for additional credit card offers such as reduced annual card fees, bonus rewards points and more. *View Disclaimer 3

Here's how to get started:

Log into the NAB app or NAB Internet Banking.
For NAB app users go to Products, then 'Credit Cards'.
For Internet Banking users go to Products, then ‘Credit Cards’.
Browse available offers on eligible new NAB credit cards.

Login to NAB Internet Banking , opens in new window [https://ib.nab.com.au/nabib/index.jsp] Download on the App Store [data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7] [https://apps.apple.com/au/app/nab/id373434223] Get it on Google Play [data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7] [https://play.google.com/store/apps/details?id=au.com.nab.mobile&hl=en]

New to NAB Internet Banking? Register now, opens in new window [https://ib.nab.com.au/nabib/registration.ctl]

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. *View Disclaimer 9

1 QANTAS POINT PER $3

For the next $3000 ($3001 - $6000) of everyday purchases on your Visa card. *View Disclaimer 9

JOIN FOR FREE

Free Qantas Frequent Flyer membership (a saving of $99.50). *View Disclaimer 9

REDEEM REWARDS

You can redeem your rewards for award flights, products, vouchers and more from the Qantas Marketplace. *View Disclaimer 9

BONUS POINTS

Earn 1 bonus point for every dollar on eligible Qantas services. *View Disclaimer 9

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 [/help-support/personal-banking/manage-cards/credit-card-insurances] at your destination. *View Disclaimer 1

VISA PREMIUM ACCESS

Discover hundreds of deals, discounts and privileges with Visa Premium Access, opens in new window [https://www.visa.com.au/en_au/visa-offers-and-perks/].

ADD ANOTHER CARD

Add an additional cardholder [/help-support/personal-banking/manage-cards/credit-card-account-changes#additionalcardholders] at no extra cost. *View Disclaimer 10

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 [/personal/credit-cards/nab-concierge-service]. *View Disclaimer 11

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.

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

ENJOY FIVE COMPLIMENTARY INSURANCES *VIEW DISCLAIMER 1

TRAVEL INSURANCES

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

PURCHASE INSURANCES

Purchase protection insurance
Extended warranty insurance

Please see the Important Information section about changes to these complimentary insurances effective 1 November 2023.

More about credit card insurances [/personal/insurance/complimentary-card-insurances] [data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7]

READY TO APPLY?

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

Apply now [/personal/credit-cards/qantas-rewards/nab-qantas-rewards-premium-card-checklist]

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 12

Find out more about Qantas Shopping , opens in new window [https://shopping.qantas.com/how-it-works#card-offers?alt_cam=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. *View Disclaimer 9

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 [/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.

BALANCE TRANSFER CALCULATOR [/personal/credit-cards/calculators-and-tools/balance-transfer-calculator]

See if you could save money by transferring your credit card balance.

HELP ME CHOOSE THE RIGHT CREDIT PRODUCT [/personal/credit-cards/calculators-and-tools/product-selector]

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

COMPARE CREDIT CARDS [/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? [/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 [/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 [/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 [/personal/credit-cards/how-to-apply]
Manage your credit card [/help-support/personal-banking/manage-cards]
Financial hardship assistance [/help-support/financial-hardship]
Managing your debts [/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 [/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 [/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 [/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 [/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 [/locations]

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 dated 1 November 2023 (PDF, 489KB), opens in new window [/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-November-2023.pdf] which may be amended from time to time. For insurable events that occurred prior to 1 November 2023, please refer to the NAB Card Insurance Policy Information Booklet dated 30 June 2022 (PDF, 662KB), opens in new window [/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-2021.pdf].
Disclaimer 2

Qantas Rewards Premium Bonus Points Offer

Offer commenced 4 October 2023. To be eligible for the 70,000 bonus points offer, you must apply for a new NAB Qantas Rewards Premium Card, before the offer is withdrawn, be approved, and spend $2,000 on everyday purchases within 60 days of opening your account and keep your account open for 12 months. NAB may vary or end this offer at any time.

Points will be awarded on a tiered basis - 60,000 bonus Qantas Points will be awarded when you spend $2,000 on eligible purchases in the first 60 days. Bonus Qantas Points will be credited to your points balance within three months of meeting the spend criteria, and 10,000 bonus Qantas Points after 12 months, credited to your points balance within the 13th month.

Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB offer. Points will be credited to your points balance within 3 months of meeting the spend criteria.

This bonus points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards Bonus Points for a new personal NAB Qantas Rewards credit card in the 18 months prior to the opening of a NAB Qantas Rewards Signature Card or a NAB Qantas Rewards Premium Card (increased from 12 months prior to the opening for accounts opened before 30 November 2022). This advertised offer of bonus points is not applicable or valid in conjunction with any other advertised or promotional 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.
Disclaimer 3

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.
Disclaimer 4

Variable interest rates current as at date

Interest rates are current as at today and are subject to change.
Disclaimer 5

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 [/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 [/content/nabrwd/en/personal/credit-cards/balance-transfers.html] of your card.
Disclaimer 6

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 7

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 [/content/nabrwd/en/personal/credit-cards/balance-transfer-interest-free-days.html].
Disclaimer 8

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 [/content/nabrwd/en/help-support/financial-wellbeing/gambling-restriction.html].
Disclaimer 9

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 [/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_cam=au%3Ause-points%3Aarticle%3Aclassic-flight-rewards%3Aen%3Ann] for more information.

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.
Disclaimer 10

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.
Disclaimer 11

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 [/content/nabrwd/en/personal/credit-cards/nab-concierge-service.html] for full details.
Disclaimer 12

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].

This section contains Important Information relevant to the page you are viewing, but you can't see it because you have JavaScript disabled on your browser. Please enable JavaScript and come back so you can see the complete page. It's important that you read the Important Information in this section before acting on any information on this page.

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Consider the NAB Internet Banking terms and conditions [/important-information/personal/transaction-savings-terms-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 [/personal/credit-cards/terms-conditions]. Fees and charges [/personal/interest-rates-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.

Credit cards issued by National Australia Bank Limited.

NAB Credit Card Terms and Conditions [/personal/credit-cards/terms-conditions]

NAB Electronic Banking (card based) terms and conditions [/personal/credit-cards/terms-conditions/card-based-electronic-banking]

NAB Credit Card Cover Product disclosure statement and policy document (PDF, 471KB), opens in new window [/content/dam/nabrwd/documents/pds/insurance/nab-credit-card-cover-pds.pdf]

Personal banking fees – A guide to fees and charges (PDF, 158KB), opens in new window [/content/dam/nab/documents/guides/banking/personal-banking-fees-and-charges-guide.pdf]

Indicator rates for other personal lending products [/personal/interest-rates-fees-and-charges/indicator-rates-for-other-personal-lending]

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NAB acknowledges the Traditional Owners of the land as Australia’s First Peoples and recognises their continuing connection to lands, water and country. We pay our respects to Elders past and present.

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 [/important-information/target-market-determinations]. Products issued by NAB unless stated otherwise.

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