NAB credit cards
6 credit cards. Ranked by bonus net of first-year fee · of 66 bonus cards.
Qantas Frequent Flyer · 2
0.75 Qantas Frequent Flyer pts per $ · $449 fee
$23122nd of 6660,000 pts ≈ $680 · 40k in year 1
- Annual fee
- $449
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.75 Qantas Frequent Flyer pts per $
- Purchase rate
- 22.49% p.a.
- Cash advance rate
- 22.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
40,000 bonus Qantas Points and $200 cashback when you spend $5,000 on everyday purchases within the first 90 days of account opening + 20,000 bonus points when you keep your card for over 12 months. Not available if you hold or have held a personal NAB Qantas Rewards card in the last 36 months.
0.5 Qantas Frequent Flyer pts per $ · $295 fee
$17531st of 6640,000 pts ≈ $470 · 25k in year 1
- Annual fee
- $295
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.5 Qantas Frequent Flyer pts per $
- Purchase rate
- 22.49% p.a.
- Cash advance rate
- 22.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
25,000 bonus Qantas Points and $150 cashback when you spend $4,000 on everyday purchases within the first 90 days of account opening + 15,000 bonus points when you keep your card for over 12 months. Not available if you hold or have held a personal NAB Qantas Rewards card in the last 36 months.
NAB Rewards · 2
0.5 NAB Rewards pts per $ · $395 fee · international lounges
$12736th of 66180,000 pts ≈ $522 · 120k in year 1
- Annual fee
- $395
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Rewards program
- NAB Rewards
- Base earn rate
- 0.5 NAB Rewards pts per $
- Purchase rate
- 22.49% p.a.
- Cash advance rate
- 22.99% p.a.
- Airport lounges
- International
- Complimentary travel insurance
- Yes
120,000 bonus points when you spend $5,000 on everyday purchases within the first 90 days of account opening + 60,000 bonus points when you keep your card for over 12 months.
100,000 pts ≈ $290 · 80k in year 1
- Annual fee
- $195
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- NAB Rewards
- Base earn rate
- 0.5 NAB Rewards pts per $
- Purchase rate
- 22.49% p.a.
- Cash advance rate
- 22.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
80,000 bonus points when you spend $3,000 on everyday purchases within the first 90 days of account opening + 20,000 bonus points when you keep your card for over 12 months
No rewards · 2
$400 value
- Annual fee
- $99
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- None
- Purchase rate
- 13.99% p.a.
- Cash advance rate
- 22.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
$400 Cash Back when $5000 is spent on everyday purchases within 150 days of account opening.
$250 value
- Annual fee
- $49
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- None
- Purchase rate
- 22.49% p.a.
- Cash advance rate
- 22.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
$250 cashback when you spend $1,500 on purchases within 90 days from account opening.
No published end date · 6
- Low Rate Card$301 net
- Qantas Rewards Signature Card$231 net
- Low Fee Card$201 net
- Qantas Rewards Premium Card$175 net
- Travel Card$127 net
- Rewards Card$95 net
Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
October 20265 changes
- 2Fri
- NAB Qantas Rewards Signature Cardannual fee $420 → $449+$29
- 1Thu
- NAB Rewards Cardbase earn rate 1 → 0.5 per $—
- NAB Travel Cardbonus 110,000 pts → 180,000 pts+70k pts
- NAB Qantas Rewards Premium Cardbonus 100,000 pts → 40,000 pts−60k pts
- NAB Qantas Rewards Signature Cardbonus 130,000 pts → 60,000 pts−70k pts
September 20261 change
- 24Thu
- NAB Qantas Rewards Signature Cardearn rates restated—
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare credit cards · Card report
Notes on NAB credit cards
to leave a note.
As of 2 November 2026, NAB has six credit cards tracked by BankMate, all carrying a sign-up bonus. The NAB Low Rate Card's bonus is worth about $400, or $301 after its $99 first-year fee, which ranks 15th of 66 bonus cards. Its cards last changed on 1 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.