NAB Rewards Card

credit card

Rewards Card is a credit card from NAB, as the bank publishes it in its product data. Its purchase rate is 22.49% and its card fee $195 a year. It ranks 14th of 24 issuers for a personal card with a rewards programme, by annual fee.

What the feed states

Purchase rate

22.49%

Cash advance rate

22.99%

Interest-free days

up to 44

Card fee

$195 a year (Annual Card Fee)

Fee offer

NAB Portfolio Facility - no annual fee

Fee offer

NAB Private Portfolio Package - no annual fee

Fee offer

NAB Private Tailored Package - no annual fee

Foreign transaction fee

3.5% of the transaction

Balance transfer offer

0.00% for 12 months (3% fee, then 21.74%)

Balance transfer rate otherwise

21.74%

Rewards programme

NAB Rewards

Sign-up offer

Up to 100,000 bonus NAB Rewards Points for new customers: 80,000 bonus points when you apply for a NAB Rewards Card, are approved and spend $3,000 on everyday purchases within the first 90 days of account opening, and 20,000 bonus points when you keep your card for over 12 months

Complimentary insurance

Complimentary International Travel Insurance; Complimentary Domestic Travel Insurance; Complimentary Purchase Protection Insurance; Complimentary Extended Warranty Insurance; Complimentary Rental Vehicle Excess Insurance in Australia

Digital wallets

Apple Pay, Google Pay, Samsung Pay, Garmin Pay

Additional cardholders

up to 1

Credit limit

from $3,000

Minimum age

18

Scheme

Visa

Conditions and offers

• corrected from the bank's own page: a $3,000 minimum credit limit, per the bank's Key Facts Sheet (correct as at 01.10.2026), and up to 100,000 bonus points for new customers, per its card page; the feed says $6,000 and 80,000 points
• 0.00% on balance transfers for 12 months, 3% transfer fee, then 21.74% (the balance transfer rate)
• credit limit from $6,000
• late payment fee $20 a month when $50 or more is overdue
• cash advance fee 3.5%, minimum $3.50
• Australian residents for tax purposes with a regular income; visitor, working holiday, student, bridging and short-stay visas not accepted
• bonus points not for anyone who holds or held a NAB Rewards card in the last 24 months
• 1.25 points per $1 up to $5,000 a month, then 0.5 points per $1
• minimum credit limit $3,000
• existing NAB customers pay $95 in the first year, then $195

Who can apply, in the bank's words

• Lending criteria apply

About this card

Earn NAB Rewards Points and enjoy platinum services and complimentary insurances

Data

• NAB's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-24.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/national-australia-bank.json: this issuer's cards as JSON; NAB's page lists them.
• The bank last updated this record on 2026-10-01; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at NAB

• Low Fee Card credit card, 22.49%, $49 a year
• Low Rate Business Card credit card, 13.99%, $60 a year
• Low Rate Card credit card, 13.99%, $99 a year
• Qantas Business Signature Card credit card, 19.50%, $295 a year
• Qantas Rewards Premium Card credit card, 22.49%, $295 a year
• Qantas Rewards Signature Card credit card, 22.49%, $449 a year
• Rewards Business Signature Card credit card, 19.50%, $175 a year
• Travel Card credit card, 22.49%, $395 a year
• Business Card charge card, 16.50%, $108 a year