Our verdict

Offers up to 200,000 bonus Qantas Points, a global concierge service and points for eligible government payments as well as purchases, with a $295 annual fee per card.

Finder Awards 2025 winner

The NAB Qantas Business Signature card boasts one of the biggest bonus Qantas Points offers in the business card category. This offer gives you enough for a return premium economy class flight from Sydney to Los Angeles (162,600 Qantas Points) or $900 worth of Woolworths WISH digital gift cards (183,690 points). It also offers complimentary insurance and a concierge service.

Compared to other business frequent flyer cards, the NAB Qantas Business Signature's standard earn rate is on the lower side. But it does offer the same rate of points per $1 for eligible government payments – including to the Australian Taxation Office (ATO). In comparison, some cards have a reduced rate of points per $1 for these transactions. Like most business cards, you’ll also be able to manage employee spending with additional cards – just remember that each card attracts a $295 p.a. annual fee.

Pros

Up to 200,000 bonus Qantas Points
0.66 Qantas Points per $1 (1 point / $1.50) spent on everyday business purchases
Complimentary Qantas Business Rewards membership

Cons

$295 annual fee per card
Points are capped at $50,000 spend per card per statement period
Does not offer lounge passes or overseas medical travel insurance

The NAB Qantas Business Signature is designed to suit business owners who want to keep track of spending and earn Qantas Points in the process. You can boost your Qantas Points balance with up to 200,000 bonus Qantas Points (150,000 bonus points when you apply by 30 September 2025 and spend $4,000 on everyday business purchases in the first 60 days and an additional 50,000 points if you keep your account open for over 12 months).

While its bonus points offer is strong, its earn rate of 1 Qantas Point per $1.50 spent is not as competitive – working out to 0.66 Qantas Points per $1. You should also think about how many cards you want for employees, as the $295 p.a. annual fee is charged for each card you add on this account and could quickly add up.

Details

Product details

Product Name	NAB Qantas Business Signature Card
Purchase rate p.a.	Purchase rate p.a.18.5%
Interest-free days	Up to 44 days on purchases
Cash advance rate p.a.	21.74%
Min credit limit	$5,000
Card type	Visa

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Rewards program	Qantas Business Rewards
Bonus points	200,000
Rewards points per $ spent	0.66
Rewards points cap	33,333

Fees

Annual fee	$295
Minimum monthly repayment	2.5% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	3% or $3, whichever is greater
Additional cardholder fee	$295

Congratulations, NAB!

The NAB Qantas Business Signature Card won Best Business Frequent Flyer Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

Our expert says

"The generous points cap on this card allowed us to bank up tens of thousands of points. We ran the majority of our business expenses through this card and for some months that meant we earned upwards of 15,000 points. Within 12 months, we'd earned enough for a free (plus taxes) return trip to Bali for our family of 5. "

Sarah Megginson

Personal finance expert + media spokesperson

How to apply

You can apply for the NAB Qantas Business Signature online. If you have a MYOB, QuickBooks or Xero account with 12 months of business financial data, you can apply for the NAB Qantas Business Signature online. Alternatively, you can request a call from a NAB Business Banker and complete the application that way.

Eligibility criteria

Eligible business. You can apply if you're a sole trader, in a partnership with up to two partners, a company with up to five directors or a trustee of an eligible trust.
Registered ABN. You must have a registered ABN/ACN and must be registered for GST with a turnover of at least $75,000 per year.

New cardholder. To be eligible for the bonus points offer you must apply for a new card, meaning you cannot hold or have held a NAB business credit card with a special offer within the last 12 months.
Age. You must be at least 18 years old.
Residential status. You must be an Australian citizen or permanent resident.

Required documents

Financial information. You must provide at least 12 months of your business financial statements and data from your accounting software. You should also include copies of any interim financial figures and copies of personal tax returns for all business partners or directors.
Liabilities. These include information regarding outstanding balances of any existing business loans or lines of credit.
Proof of identification. You'll need to provide proof of identity, so make sure to have your ID on hand.

Card benefits

Up to 200,000 bonus Qantas Points offer. Earn 150,000 bonus Qantas Points when you apply for a new NAB Qantas Business Signature card by 30 September 2025 and spend $4,000 on everyday business purchases within the first 60 days of account opening. These points will be credited to your Qantas Business Rewards account within 3 months of meeting the spend requirement. You'll also get an additional 50,000 bonus Qantas Points when you keep your account open for over 12 months. And these points will be credited within 3 months of the first anniversary date.
Earn Qantas Points as you spend. You'll earn 0.66 Qantas Points per $1 spent (awarded as 1 point per $1.50 spent), capped at $50,000 spend per card per statement period. If you're not already a member of Qantas Business Rewards, NAB Qantas Business Signature cardholders can sign up and avoid the $89.50 membership fee.

Complimentary insurance. Your purchases will be covered by NAB commercial cards unauthorised transaction insurance. This insurance is issued through Allianz and you can see the NAB insurance policy document for more information regarding the inclusions, exclusions, terms and conditions plus details on how to make a claim.
Global concierge services. If you're travelling and in need of assistance, you can take advantage of global concierge services any time of the day or night. They can help you with anything from restaurant reservations, event bookings, travel information and more.
Visa privileges. With your Visa card, you can access exclusive discounts and complimentary gift items at duty-free retailers and shopping centres. You can also take advantage of special offers on VIP airport lounge access and travel assistance programs.
Mobile wallets. You can make contactless payments using an eligible device upon checkout if you link your NAB credit card with Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, or Garmin Pay.

Rates & fees

Annual fee. This card charges an annual fee of $295 p.a.
Purchase interest rate. This card comes with a purchase rate of 18.5% p.a.

Interest-free days. When you pay your balance in full, you will receive up to 44 days interest-free on purchases, which excludes cash advances.
Additional cardholders. For each additional cardholder you add to your account, you can set individual credit limits and cash advance access for them. You will also receive monthly statements for each cardholder to assist you with business expenditure and reporting.
Account management. You can access your account online through NAB Internet Banking or NAB Connect, as well as access your money through ATMs, EFTPOS and NAB phone banking.

Sources

NAB Qantas Business Signature Card information PDF

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Jaime

March 26, 2025

Hi, can I apply for the card under my business but receive the Qantas points to my personal Qantas FF account?

Richard Whitten Finder

March 27, 2025

Hi Jaime,

Reading the terms and conditions on the card, “All Qantas Points earned using the card(s) will be credited to the Qantas Business Rewards account of the business. To earn points using your NAB Qantas Business Signature Card, you must be a Qantas Business Rewards member.”

So you can’t earn the points directly to your personal account. But you can transfer your points to another account pretty easily.

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Eddie Vetta

February 24, 2025

Hello, Do you require proof of business turnover?

Many thanks

Angus Kidman Finder

February 25, 2025

NAB’s conditions for this card include proof of an annual business turnover of at least $75,000, and the business must have been operating for at least 12 months.

Sally Watton

December 27, 2024

Hi! Do you do balance transfer on this card and what are the interest free conditions?

Angus Kidman Finder

December 30, 2024

Hi Sally, Note that Finder is a comparison site, not NAB itself. NAB doesn’t offer balance transfers on this particular card (balance transfers aren’t common for business cards generally). You can compare cards which offer balance transfers here. Hope this helps.

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Reynaldo Carrasco

December 09, 2024

Do you get the 200,000 points if you already have a business Qantas account?

Richard Whitten Finder

December 10, 2024

Hey Reynaldo,

The bonus points are for a new credit card only.

Mark

October 29, 2024

It says complimentary insurance

Is this travel insurance?

Richard Whitten Finder

October 29, 2024

Hello Mark,

With this card you get Commercial Cards Unauthorised Transaction Insurance and Commercial Cards Transit Accident Insurance. There is no travel insurance.

We will update our guide to add clarification – thank you.

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

NAB Qantas Business Signature Card

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Congratulations, NAB!

How to apply

Eligibility criteria

Required documents

Card benefits

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