In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
NAB Rewards Signature Card
Terms and conditions apply
Bonus points
180,000
Purchase rate
20.99% p.a.
Reward points per $ spent
1.5
Annual fee
$288 p.a.

Our verdict

Offers up to 3 NAB Rewards Points per $1 for online purchases made with Webjet and no international transaction fees, with a $24 monthly fee.

The NAB Rewards Signature Credit Card is suited to big spenders and earners, with a high minimum credit limit of $15,000. It earns 1.5 NAB Rewards Points per $1 on eligible purchases up to $15,000 per month, then 0.5 points per $1 thereafter (uncapped). It also has higher rates of up to 3 points per $1 for online purchases made with Webjet. Rewards include gift cards, retail items, cash back and point transfers to Velocity Frequent Flyer, Cathay Membership Programme, Singapore Airlines, Air New Zealand, Flybuys and Accor Live Limitless (ALL). It also offers perks similar to what you can get with other premium credit cards, including a concierge service and Visa Premium offers. Weighing the value of these features against the card's monthly fee can help you decide if it's right for you.

Pros

  • Up to 180,000 bonus NAB Rewards Points
  • 0% international transaction fees
  • 3 NAB Rewards Points per $1 made online with Webjet
  • Complimentary delayed flight lounge pass
  • 0% p.a. on balance transfers for 12 months

Cons

  • Need to keep the card for at least 12 months to get the full amount of bonus points
  • Need to spend at least $5,000 in a statement period for the $24 monthly fee to be reversed
  • Balance transfer offer has a 3% balance transfer fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews

Details

Product details

Product Name NAB Rewards Signature Card
Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.74%
Balance transfer limit 90% of available limit
Purchase rate p.a.
Purchase rate p.a.
20.99%
Interest-free period
Up to 44 days on purchases
Cash advance rate p.a. 21.74%
Min credit limit $15,000
Max credit limit $75,000
Card type Visa

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application No

Rewards

Rewards program NAB Rewards
Bonus points 180,000
Rewards points per $ spent 1.5

Fees

Annual fee
Annual fee
$288
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $15
Foreign currency conversion fee
Foreign currency conversion fee
0%
Cash advance fee 3% or $3, whichever is greater
Overseas ATM withdrawal fee $5
Number of additional cardholders 1

How to apply

You can apply for this card online in about 15 minutes and get a response in around 60 seconds. Before you start, check if you meet the eligibility requirements and have the necessary information ready to complete the application:

Eligibility criteria

  • Australian residency status. You can apply if you're an Australian citizen or permanent resident. If you are not a citizen or permanent resident, you will need to have an acceptable visa. Many visas are acceptable but the following are not: Visitor Visa (exception, a Special Category Visa - NZ Citizen is acceptable), Working Holiday, Student, Exchange/gap year, Transit/short stay/seasonal, and Bridging.
  • Income. NAB does not explicitly state a required minimum income, but it will be factored into your application along with the rest of your financial information. You may call the customer service team to discuss your specific personal circumstances.

Card benefits

  • 0% international transaction fees. There is no fee for paying with this card overseas or online with a business that's based overseas. This can save you 2–3% on foreign transaction fees charged by some credit and debit cards.
  • Points per $1 spent. You'll earn 1.5 NAB Rewards Points per $1 spent on eligible purchases up to $15,000 per month, then 0.5 NAB Rewards Points for every $1 spent, uncapped. You can also earn 3 NAB Rewards Points for every $1 spent on online purchases made with Webjet via the NAB Rewards Store or Webjet's website. Webjet booking terms and conditions apply.

Rates & fees

  • Monthly fee. This card has a $24 monthly fee, which is reversed if you spend at least $5,000 in a statement period.
  • Purchase rate. The purchase rate on this card is 20.99% p.a. If you regularly pay less than the total balance shown on each statement, you may want to consider a low rate credit card that charges 15% p.a. or less.

Your reviews

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