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Personal
- Personal home [/personal]
- Bank accounts [/personal/bank-accounts]
- Credit cards [/personal/credit-cards]
- Home loans [/personal/home-loans]
- Personal loans [/personal/personal-loans]
- Premier banking [/personal/premier]
- 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]
- 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]
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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/50-cash-back-offer/_jcr_content/root/responsivegrid/section_container_co/image_copy.coreimg.95.512.jpeg/1731287838605/nnpl-banner-3000x1000.jpeg] OFFER GET A $50 CASHBACK WITH NAB NOW PAY LATER
  
  Get $50 cashback when you open a NAB Now Pay Later account and spend $500 within 30 days of your account opening. T&Cs apply.
  
  Find out more [/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]
- 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]
- Personal loans [/personal/personal-loans]
- Premier banking [/personal/premier]
- 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/nab-bookkeeper/master/_jcr_content/root/responsivegrid/section_container_co/image.coreimg.95.512.jpeg/1715316043261/nab-business-brand-campaign-bookkeeper-3000x1000.jpeg] NEW GET A 6-MONTH FREE TRIAL WITH NAB BOOKKEEPER
  
  Bring your business banking and books together with our simple, smart and powerful bookkeeping solution.
  
  Find out more [/business/nab-bookkeeper]
  
  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]
- 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]
  [/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/1734045402844/group-nab-connect-training-1024x341.jpeg]
  
  NAB CONNECT TRAINING
  
  Join a free NAB Connect training webinar to learn how to maximise your NAB Connect features and functionality.
  
  Register now [/business/online-banking/nab-connect/training]
- 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]
- 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]
  - Transaction banking [/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]
- 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]
  - Online business banking help [/help-support/business-banking/manage-online-banking]
  - Managing your NAB business credit cards [/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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NAB REWARDS PLATINUM CARD WITH VELOCITY APPLICATION CHECKLIST

Before you start your application, check you meet our eligibility criteria and have the right documents ready.

If you’re an existing customer, save time and use your NAB ID to prefill your personal and NAB financial information. Apply now [/common/forms/creditcards#?products=nab-rewards-platinum-card&campaignCode=OFC]

OFFER 80,000 BONUS VELOCITY POINTS

Automatically redeem 60,000 Velocity Points (from 120,000 NAB Rewards Bonus Points) when you spend $1,000 within the first 60 days of account opening.* View Disclaimer 1
Plus 20,000 Velocity Points (from 40,000 NAB Rewards Bonus Points) when you keep your card for over 12 months.* View Disclaimer 1
You’ll also enjoy a reduced annual card fee (from $195 to $95) for the first year.

Minimum monthly repayments required. Offer ends Wednesday 30 April 2025. See important information below. Eligibility criteria and terms and conditions apply. Offer available to new NAB Rewards Platinum cardholders only. See important information below.

RATES AND FEES

Variable purchase rate* View Disclaimer 2 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 3

We can’t process balance transfers from certain issuers – see our indicative list.* View Disclaimer 4

0% p.a. Interest free days on purchases* View Disclaimer 5 Up to 44 Annual card fee (reduced to $95 for the first year)* View Disclaimer 1 $195 p.a. Minimum credit limit $6,000 Variable cash advance rate This is the interest rate charged on amounts you withdraw as cash, gambling transactions (including lottery ticket purchases), or transfer from your credit card to another account.* View Disclaimer 6, * View Disclaimer 2 21.74% p.a.

Not the right card for you? We can help you choose a different one.

Help me choose a card [/personal/credit-cards/calculators-and-tools/product-selector]

ELIGIBILITY CHECK YOU'RE ELIGIBLE TO APPLY ONLINE

You're 18 years or older.
You receive a regular income.
You’re an Australian resident for tax purposes.
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.* View Disclaimer 7

HAVE THESE ITEMS READY

ARE YOU AN EXISTING OR NEW CUSTOMER?

Existing New

EXISTING

Save time and use your NAB Internet Banking login to pre-fill your personal and financial information (this may include debts you have with other financial institutions).

You can find your NAB ID [/personal/online-banking/nab-internet-banking/nab-id] on the back of your NAB card or in your NAB app under My Details.

Be prepared and have the following documents and information ready before you start your application.

Maximum credit limit you would like to apply for.
Employment details for the past three years.
Your financial information - income, assets, debts and expenses.
Proof of income (such as payslips or bank statements).

NEW

Be prepared and have the following documents and information ready before you start your application.

At least one form of ID (Australian driver’s licence, Australian passport or international passport).
Maximum credit limit you would like to apply for.
Employment details for the past three years.
Your financial information - income, assets, debts and expenses.
Proof of income (such as payslips or bank statements).

HOW TO APPLY

Apply online today and start using your card in a few easy steps.

STEP 1. APPLYING ONLINE IS EASY

Allow up to 15 minutes to complete the application form and get a response in 60 seconds.

STEP 2. WE’LL VERIFY YOUR APPLICATION

If you’re conditionally approved, we may ask you for additional information or documentation, such as payslips or bank statements.

STEP 3. RECEIVE AND ACTIVATE YOUR CARD

If approved, your physical card will arrive at your residential address within five to seven working days, or up to ten working days if you requested the card be sent to a branch. Activate and set up your new card [/help-support/personal-banking/manage-cards/set-up-your-credit-card] using the NAB app or NAB Internet Banking.

READY TO APPLY?

If you've checked you're eligible to apply and have all your documents ready, let's get started.

Apply now [/common/forms/creditcards#?products=nab-rewards-platinum-card&campaignCode=OFC]

IMPORTANT INFORMATION

TERMS AND CONDITIONS

Disclaimer 1

NAB Rewards Platinum Card — Velocity auto redemption offer

Offer commenced on 16 February 2024 and ends on 30 April 2025. To be eligible for the up to 80,000 Velocity bonus Points offer (automatically redeemed from 160,000 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 $1,000 on everyday purchases using your new card within 60 days of opening account and keep you card 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. Redemption of Velocity Points and the Velocity membership is subject to the Velocity membership Terms and Conditions, opens in new window [https://experience.velocityfrequentflyer.com/member-support/terms-conditions].

Points will be awarded on a tiered basis – You will be eligible to receive 120,000 NAB Rewards Bonus Points when you spend $1,000 on everyday purchases in the first 60 days of opening your account (credited to your NAB Rewards points balance within 3 months of meeting the spend criteria, and will be automatically redeemed for 60,000 Velocity Points within 10 days thereafter and 40,000 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 10 days thereafter). The name of the cardholder must match the name on the Velocity membership number. Offer limited to one total allocation of 160,000 NAB Rewards Bonus Points per Velocity account.

Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. 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 week the NAB Rewards Points that you've earned will be transferred to Velocity Points with 2 NAB Rewards Points = 1 Velocity Point, provided your Velocity Frequently Flyer membership is linked to your account.

Your NAB Rewards Platinum Credit Card must remain open and in good standing, and you must be enrolled in Auto Redemption to receive the Velocity Points.

This offer is not available to existing NAB Rewards Signature or NAB Rewards Platinum Credit Card customers or customers who have had a NAB Rewards Signature or NAB Rewards Platinum Credit Card within 18 months prior to applying for a new NAB Rewards Platinum Credit Card. Offer is not available when closing or transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

A reduced annual card fee of $95 will be charged when the card is opened and applies for the first 12 months. You will be charged the standard $195 annual card fee in the 13th month of your card account.
Disclaimer 2

Variable interest rates current as at date

Interest rates are current as at today and are subject to change.
Disclaimer 3

Balance transfer 12 month offer rate

After 12 months, any unpaid balance transfers will attract the variable cash advance rate (currently 21.74% p.a. as at today). The one-off balance transfer fee of 3% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest rates [/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 4

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 5

Interest free days on purchases

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 6

Variable cash advance rate

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 7

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.

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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Fees and charges Read our credit card terms and conditions [/personal/credit-cards/terms-conditions]. Credit card fees and charges [/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.

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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.

NAB Rewards Platinum Card with Velocity

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