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* **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, 740KB), opens in new window](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf) available at [rewards.nab.com.au, opens in new window](https://rewards.nab.com.au/en/home.html). 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 at eligible Grocery stores:** 1 NAB Rewards Point + 0.5 additional NAB Rewards Points (Bonus Points).  
Eligibility for additional points at Grocery stores is determined by a merchant’s Merchant Category Code (MCC). An eligible Grocery store is a merchant whose MCC is designated as 5411 Grocery stores. 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**: 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](https://www.webjet.com.au/). Webjet Booking Terms and Conditions apply.  
Points Booster is subject to the [NAB Rewards Terms and Conditions, opens in new window](https://rewards.nab.com.au/en/footer-page/termsncondition.html). 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 18 April 2024 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 dated 1 November 2023 (PDF, 489KB), opens in new window](https://www.nab.com.au/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 Purchase Protection Insurance Policy Information Booklet dated 30 June 2022 (PDF, 374KB), opens in new window](https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-purchase-protection-insurance-booklet.pdf).
* **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).
* **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.
* **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.
* **NAB Concierge Service**  
This service is provided by Visa Worldwide Pty Ltd or International SOS (Australasia) Pty Ltd. Your concierge is available on [1300 730 213](tel:1300730213), 24 hours a day, 7 days a week. See the [NAB Concierge Service terms and conditions (PDF, 240KB), opens in new window](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/services/nab-concierge-services.pdf) for full details.
* **NAB Rewards Platinum Card — Velocity auto redemption offer**  
Offer commenced on 16 February 2024 and ends on 31 July 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 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](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 and automatically redeemed for 60,000 Velocity Points within 90 days of meeting the spend criteria) 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 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 per Velocity account.  
Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes.  
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.
* **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, 740KB), opens in new window](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf) available at [rewards.nab.com.au, opens in new window](https://rewards.nab.com.au/en/home.html). 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):** 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):** 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](https://www.webjet.com.au/ "https://www.webjet.com.au/"). Webjet Booking Terms and Conditions apply.  
Points Booster is subject to the [NAB Rewards Terms and Conditions, opens in new window](https://rewards.nab.com.au/en/footer-page/termsncondition.html "https://rewards.nab.com.au/en/footer-page/termsncondition.html"). 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 12 June 2024 and are subject to change by NAB.
* **Monthly fee waiver**  
The monthly fee will be charged on the last day of your statement period each month. If you spend $5,000 or more in a statement period, your monthly fee for that statement period will be reversed. Spend includes all purchases and cash advances less any refunds or cash advance reversals. Some pending transactions may take up to 10 business days to process to your account and only transactions that are processed in that statement period will count towards the spend requirement.
* **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](https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/delayed-flight-lounge-pass-terms-and-conditions.pdf) which are subject to change. You can [search for locations and the conditions of use, opens in new window](https://loungefinder.loungekey.com/Pass) 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, 740KB), opens in new window](https://www.nab.com.au/content/dam/nabrwd/documents/terms-and-conditions/banking/nab-rewards-terms-and-conditions.pdf). 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.  
**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.
* **Mobile phone insurance**  
Complimentary mobile phone Insurance (covering Accidental Damage and Theft to a mobile phone) 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 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](https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/mobile-phone-protection-insurance-terms-and-conditions.pdf) for such coverage which is available at [nab.com.au/personal/insurance/complimentary-card-insurances](https://www.nab.com.au/content/nabrwd/en/personal/insurance/complimentary-card-insurances.html).  
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.