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Velocity Points with NAB Rewards credit cards - NAB

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Velocity Points with NAB Rewards credit cards

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Velocity Points with NAB Rewards credit cards

Earn Velocity Points on a new NAB Rewards credit card with automatic redemption.

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Earn Velocity Points with our NAB Rewards credit cards

Get ready to extend your Velocity Points earnings with our NAB Rewards credit cards. Enjoy the benefits of hassle-free points accumulation with our automatic redemption feature, which transfers your NAB Rewards Points directly to your Velocity account each month.

Compare our Velocity Points earning NAB Rewards credit cards

Both cards offer the chance to earn Velocity Points which are automatically transferred monthly into your Velocity account. Compare the different Velocity rewards, minimum credit limits and fees to find a card that suits you.

NAB Rewards Platinum Card with Velocity

Experience uncapped rewards points, transferred monthly to your Velocity account to redeem on flights or the Velocity Rewards Store.

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Minimum credit limit

$3,000

Annual card fee

$ 195 p.a.

Variable purchase rate

20.99 % p.a.

From 1 October 2026, this will be 22.49%.

Benefits and considerations

Benefits

Earn up to 2 NAB Rewards Points per $1
Complimentary insurances
Up to 44 interest free days on purchases
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.
We can’t process balance transfers from certain issuers – see our indicative list.
Add an additional cardholder at no extra cost
NAB Concierge Service
Global assistance for card emergencies

Considerations

Higher interest rates compared to our NAB Low Rate Card
Lower point earn rate compared to our NAB Rewards Signature Card.
Higher annual fee compared to some of our other cards.

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Offer

Up to 90,000 bonus Velocity Points

Automatically redeem 70,000 Velocity Points (from 140,000 NAB Rewards Bonus Points) when you spend $4,000 within the first 90 days of account opening.
Plus 20,000 Velocity Points (from 40,000 NAB Rewards Bonus Points) when you keep your card for over 12 months.

Minimum monthly repayments required. Offer commenced on 15 January 2026 and ends upon withdrawal. Available to new cardholders only. Eligibility criteria and terms and conditions apply. See important information below.

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NAB Rewards Signature Card with Velocity

Experience uncapped rewards points to transfer monthly to your Velocity account with our highest points earn NAB Rewards credit card.

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Minimum credit limit

$6,000

Monthly card fee

$ 35 p.m.

From 1 October 2026, the monthly card fee will revert to a $395 annual fee.

Variable purchase rate

20.99 % p.a.

From 1 October 2026, this will be 22.49%.

Benefits and considerations

Key benefits of this card

Fee-free international transactions
Complimentary delayed flight lounge pass
Convert 2 NAB Rewards Points into 1 Velocity Point until 30 September 2026. From 1 October 2026, convert 3 NAB Rewards Points into 1 Velocity Point.
Complimentary mobile phone insurance

Benefits

Earn up to 3 NAB Rewards Points per $1 until 30 September 2026. From 1 October 2026, this will be 2.5 NAB Rewards Points per $1 spent.
Complimentary insurances
Add an additional cardholder at no extra cost
Up to 44 interest free days on purchases
0% p.a. for 12 months standard balance transfer (BT) rate. 3% BT fee applies. Unpaid BT reverts to variable cash advance rate.
We can’t process balance transfers from certain issuers – see our indicative list.
Fraud and theft protection with world class security technologies
Global assistance for card emergencies
NAB Concierge Service
Special offers with Visa Premium Access and Visa Entertainment including pre-sale tickets and member promotions

Considerations

Higher interest rates compared to our NAB Low Rate Card
Higher annualised monthly fee compared to some of our other cards

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Offer

Up to 80,000 bonus Velocity Points

Receive 60,000 Velocity Points (by earning and automatically redeeming 120,000 NAB Rewards Bonus Points) when you spend $5,000 on everyday purchases within the first 90 days of account opening.
Plus receive a further 20,000 Velocity Points (by earning and automatically redeeming 40,000 NAB Rewards Bonus Points) when you keep your card for over 12 months.

Offer only available online for new cardholders. Minimum monthly repayments required. Offer commenced on 29 July 2025 and ends upon withdrawal. Eligibility criteria and terms and conditions apply. See important information below.

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Resume an existing application

More about credit cards with Velocity Points

What are Velocity Points?

Velocity Points are the reward currency of Virgin Australia’s Velocity Frequent Flyer program. You can convert your NAB Rewards Points to Velocity Points.

How can I use Velocity Points?

You can redeem your points when you fly with Virgin Australia or partner airlines, use eligible credit cards, shop with partner retailers, book hotels, hire cars and more.

Do Velocity Points expire?

Yes – Velocity Points expire if you don’t earn points for 24 months. Any activity on your account resets the expiry on your entire points balance.

How to convert NAB Rewards Points to Velocity Points

You can easily convert the points you earn on your NAB Rewards Platinum or NAB Rewards Signature Cards to Velocity Points. Here’s how:

Visit the NAB Rewards Store and link your Velocity membership number to your NAB Rewards account. If you’re not already a Velocity Frequent Flyer member, join for free today.
Each month, your NAB Rewards Points will be transferred to Velocity Points. You can set up automatic redemption for convenience.
Velocity Points converted from bonus NAB Rewards Points will be credited within three months of meeting your spend criteria.

How much are Velocity Points worth?

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Two NAB Rewards Points are worth one Velocity Point

From 1 October 2026, redemption rates will change from 2 NAB Reward points to 3 NAB Reward points, for 1 Velocity Point.

Boost your Velocity Points balance faster by earning bonus points when you shop through the NAB Rewards Bonus Points Shop or Points Booster stores.

How many Velocity Points do I need to fly?

It depends on where you’re flying, when you book, and which seat you choose. Velocity uses distance based award charts, and prices can change based on demand and availability. For example, for an economy seat on a Virgin Australia domestic flight, you’ll need at least 5,900 points for a one-way flight.

Use the mileage calculator on the Velocity website to work out how far your points can take you.

How do I earn Velocity Points?

1. Apply for an eligible NAB Rewards credit card
Cards like the NAB Rewards Platinum Card and NAB Rewards Signature Card let you earn NAB Rewards Points, which you can then convert to Velocity Points in the NAB Rewards Store.
2. Switch on Auto Redemption
You can set up Auto Redemption so all your NAB Rewards Points are automatically converted to Velocity Points each month.
3. Earn points on your everyday spending
Each time you make an eligible purchase with your NAB Rewards Card, you’ll earn points. All your everyday spending, like groceries, petrol, takeaway coffee and more can earn points. You could also earn bonus points on certain transactions.
4. Take advantage of bonus Velocity Points offers
Keep an eye out for offers where you can earn bonus points by meeting minimum spend requirements and keeping you card open for at least 12 months.

Can I transfer Velocity Points to someone else?

Yes – you can transfer your points to an eligible family member who is also a Velocity member. You’ll need to log into your Velocity account to do this.

How to earn Velocity Points with NAB Rewards credit cards until 30 September 2026

| | NAB Rewards Platinum Card (per $1 spend) | NAB Rewards Signature Card (per $1 spend) | | | ------------------------------------------ | ------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------ | | Standard earn rate | NAB Rewards Platinum Card (per $1 spend)Earn 1 point | NAB Rewards Signature Card (per $1 spend)Earn 1.5 points up to $15,000 spend per month, then earn 0.5 points | | Grocery store purchases | NAB Rewards Platinum Card (per $1 spend)Earn 1.5 points | NAB Rewards Signature Card (per $1 spend)Earn 1.5 points up to $15,000 spend per month, then earn 0.5 points | | Purchases made online with Webjet | NAB Rewards Platinum Card (per $1 spend)Earn 2 points | NAB Rewards Signature Card (per $1 spend)Earn 3 points |

How to earn Velocity Points with NAB Rewards credit cards from 1 October 2026

| | NAB Rewards Platinum Card (per $1 spend) | NAB Rewards Signature Card (per $1 spend) | | | ------------------------------------------------- | ------------------------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------- | | Standard earn rate | NAB Rewards Platinum Card (per $1 spend)Earn 1.25 points up to $5,000 spend per month, then earn 0.5 points | NAB Rewards Signature Card (per $1 spend)Earn 1.5 points up to $10,000, then earn 0.5 points | | Grocery, Petrol, Public Transport store purchases | NAB Rewards Platinum Card (per $1 spend)Earn 0.75 points (uncapped) | NAB Rewards Signature Card (per $1 spend)Earn 1 point (uncapped) |

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Important Information

Terms and Conditions

Variable interest rates current as at date
Interest rates are current as at today and are subject to change.
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.
Points earn rates are changing from 1 October 2026. Visit nab.com.au/cardupdates for details.
Bonus Points at eligible Grocery stores until 30 September 2026: 1 NAB Rewards Point + 0.5 additional NAB Rewards Points (Bonus Points).
Eligibility for additional points for groceries, petrol and public transport are determined by a merchant's Merchant Category Code (MCC). 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 until 30 September 2026: 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 28 July 2026 and are subject to change by NAB.
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.
Interest free days on purchases
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.
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 28 July 2026, from 1 October 2026, this will increase to 22.99% p.a.). 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.
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.
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.
NAB Concierge Service
NAB Concierge Service is available for all NAB Signature, Platinum and Premium credit cardholders.
This service is provided by Visa Worldwide Pty Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on 1300 730 213, 24 hours a day, 7 days a week. See the NAB Concierge Service terms and conditions (PDF, 240KB), opens in new window for full details.
NAB Rewards Platinum Card — Velocity auto redemption offer
Offer commenced on 15 January 2026 and ends upon withdrawal (Offer Period). NAB may vary or withdraw this offer at any time. If the offer is varied or withdrawn, reasonable notice will be given where possible. To be eligible for the up to 90,000 Velocity bonus Points offer (automatically redeemed from 180,000 NAB Rewards Bonus Points (from 1 October 2026, this will be 270,000 NAB Rewards Bonus Points)), you must be a Velocity Frequent Flyer member, apply for a new personal NAB Rewards Platinum Credit Card before the offer is withdrawn, have your application approved, provide your Velocity membership number to NAB to enrol in Auto Redemption, spend $4,000 on everyday purchases using your new card within 90 days of opening account and keep your account open and in good standing for over 12 months. You’ll receive an email from NAB after your application has been approved with information on how to provide your Velocity membership number to NAB. You must provide your Velocity Frequent Flyer membership number in order to have your NAB Rewards points automatically redeemed for Velocity Points. Redemption of Velocity Points and the Velocity membership is subject to the Velocity membership Terms and Conditions, opens in new window.
Points will be awarded on a tiered basis – You will be eligible to receive 140,000 NAB Rewards Bonus Points (from 1 October 2026, this will be 210,000 NAB Rewards Bonus Points) when you spend $4,000 on everyday purchases in the first 90 days of opening your account (credited to your NAB Rewards points balance and automatically redeemed for 70,000 Velocity Points within 90 days of meeting the spend criteria) and 40,000 NAB Rewards Bonus Points (from 1 October 2026, this will be 60,000 NAB Rewards Bonus Points) after you have had your card for over 12 months (credited to your NAB Rewards points balance within the 13th month and will be automatically redeemed for 20,000 Velocity Points within 30 days thereafter). The name of the cardholder must match the name on the Velocity membership number. Offer limited to one total allocation of up to 180,000 NAB Rewards Bonus Points (from 1 October 2026, this will be up to 270,000 NAB Rewards Bonus Points) per Velocity account.
Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.
Bonus points are not available to customers who currently hold, or have held, any personal NAB 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 credit card offer.
Delayed flight lounge pass
Complimentary Delayed Flight Lounge Passes are provided by Collinson Insurance Services Limited (which operates the LoungeKey™ Pass program), and are available to all NAB Rewards Signature Credit cardholders (Eligible Persons). The Delayed Flight Lounge Pass gives an Eligible Person plus up to 4 travel companions complimentary access to select airport lounges at select airport locations. Alternatively, if a lounge is unavailable, Eligible Persons can use their Delayed Flight Lounge Pass to offset a dollar amount off the total bill at select dining options. Availability of airport lounges and dining options vary based on location and affiliated LoungeKey™ Partners at the time. Not all airports offer Delayed Flight Lounge Pass and use of Delayed Flight Lounge Pass may be restricted to certain terminals. Access to and use of the Delayed Flight Lounge Pass is subject to the Terms of Use (PDF, 83KB), opens in new window which are subject to change. You can search for locations and the conditions of use, opens in new window applicable to each airport lounge/dining venue.
Delayed Flight Lounge Passes are not available where flights are cancelled or rescheduled to 24 hours after the flight's scheduled departure time (which will be handled by the airline directly via their own compensation process). Delayed Flight Lounge Passes are provided on a non-transferable, non-refundable and non-changeable basis. NAB is not responsible for the issue of Delayed Flight Lounge Passes, and excludes all liability for any loss or damage in connection with the issue, non-issue or use of a Delayed Flight Lounge Pass to the extent permitted by law.
Earning NAB Rewards Points
NAB Rewards Points are earned and redeemed in accordance with the NAB Rewards Terms and Conditions (PDF, 199KB), opens in new window. These terms describe the purchases not eligible to earn NAB Rewards points. You must have an open and active NAB Rewards credit card account to earn NAB Rewards points.
Points earn rates are changing from 1 October 2026. Visit nab.com.au/cardupdates for details.
Automatically redeem every 2 of your NAB Rewards Points for 1 Velocity Point.You must provide your Velocity Frequent Flyer membership number to NAB in order to have your NAB Rewards points automatically redeemed for Velocity Points. Each month NAB Rewards points you've earned will be transferred to Velocity with 2 NAB Rewards Points = 1 Velocity Point until 30 September 2026. From 1 October 2026, 3 NAB Rewards Bonus Points = 1 Velocity Point.
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.
NAB Rewards Signature Card – Earning NAB Points and NAB 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 with Webjet:
When you spend under $15,000 on eligible purchases in a Rewards Statement period (calendar month) until 30 September 2026: 1.5 NAB Rewards Points + 1.5 additional NAB Rewards Points (Bonus Points).
When you spend over $15,000 on eligible purchases in a Rewards Statement period (calendar month) until 30 September 2026: 0.5 NAB Rewards Points + 2.5 additional NAB Rewards Points (Bonus Points).
Webjet – 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 earn rates are changing from 1 October 2026. Visit nab.com.au/cardupdates for details.
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 28 July 2026 and are subject to change by NAB.
Eligibility for additional points for groceries, petrol, public transport and travel are determined by a merchant's Merchant Category Code (MCC). 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.
NAB Rewards Signature Card — Velocity auto redemption offer
Offer commenced on 29 July 2025 and ends upon withdrawal (Offer Period). NAB may vary or withdraw this offer at any time. If the offer is varied or withdrawn, reasonable notice will be given where possible. To be eligible for the up to 80,000 Velocity bonus Points offer (by earning and automatically redeeming 160,000 NAB Rewards Bonus Points (from 1 October 2026 this will be up to 240,000 NAB Bonus Rewards Points)), you must:
- be a Velocity Frequent Flyer member
- apply for a new personal NAB Rewards Signature Credit Card with Velocity before the offer is withdrawn
- have your application approved
- provide your Velocity membership number to NAB to enrol in Auto Redemption
- spend $5,000 on everyday purchases using your new card within 90 days of opening account
- keep your account open and in good standing for over 12 months.
  You’ll receive an email from NAB after your application has been approved with information on how to provide your Velocity membership number to NAB. You must provide your Velocity Frequent Flyer membership number in order to have your NAB Rewards points automatically redeemed for Velocity Points. Redemption of Velocity Points and the Velocity membership is subject to the Velocity membership Terms and Conditions, opens in new window.
  Points will be awarded on a tiered basis – you will be eligible to receive 120,000 NAB Rewards Bonus Points (from 1 October 2026 this will be 180,000 NAB Bonus Rewards Points) when you spend $5,000 on everyday purchases in the first 90 days of opening your account (credited to your NAB Rewards points balance and automatically redeemed for 60,000 Velocity Points within 90 days of meeting the spend criteria) and 40,000 NAB Rewards Bonus Points (from 1 October 2026 this will be 60,000 NAB Rewards Points) after you have had your card for over 12 months (credited to your NAB Rewards points balance within the 13th month and will be automatically redeemed for 20,000 Velocity Points within 30 days thereafter). The name of the cardholder must match the name on the Velocity membership number. Offer limited to one total allocation of up to 160,000 NAB Rewards Bonus Points (from 1 October 2026 this will be up to 240,000 NAB Bonus Rewards Points) per Velocity account.
  Everyday purchases are eligible transactions under the NAB Rewards Terms and Conditions and exclude transactions including those that NAB decides are wholly or partly for gambling or gaming purposes. Please refer to the NAB Rewards Terms and Conditions, opens in new window for more information.
  Bonus points are not available to customers who currently hold, or have held, any personal NAB 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 credit card offer.

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