## Latest offers

[ Personal ](https://www.nab.com.au/personal/credit-cards/offers) 

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

## Eligibility  Check you're eligible to apply online 

1. You're 18 years or older.
2. You receive a regular income.
3. You’re an Australian resident for tax purposes.
4. You're an Australian or New Zealand citizen, Australian Permanent Resident or non-resident holding an acceptable Temporary Residency Visa.

Read important information for visa categories that are not acceptable.[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](https://www.nab.com.au/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](https://www.nab.com.au/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 ](https://www.nab.com.au/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](https://www.nab.com.au/content/nabrwd/en/personal/interest-rates-fees-and-charges/indicator-rates-for-other-personal-lending.html) are subject to change. While you have an outstanding balance transfer, interest free days on purchases only applies if you pay the interest free days payment in full by the due date each month. Minimum monthly repayments must be made by the due date each month. Standard balance transfer rate and term may be varied or withdrawn at any time. In addition to this acquisition rate, which is available only at card application, other balance transfer offers may be available on your card from time to time. You can find out more information about the [ongoing balance transfer rates](https://www.nab.com.au/content/nabrwd/en/personal/credit-cards/balance-transfers.html) of your card.
* Disclaimer 4  
**Balance transfer indicative list**  

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](https://www.nab.com.au/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](https://www.nab.com.au/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.

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