In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
🥇 Best rated brand

NAB Qantas Rewards Premium Card

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NAB Qantas Rewards Premium Card
Bonus points
80,000
Purchase rate
20.99% p.a.
Reward points per $ spent
0.66
Annual fee
$295 p.a.

Our verdict

Offers up to 80,000 bonus Qantas Points and complimentary travel insurance, with a $295 annual fee.

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The NAB Qantas Rewards Premium Credit Card is suited to frequent flyers who want rewards for their everyday spending and some modest extra perks. Right now, it offers 60,000 bonus Qantas Points when you apply as a new cardholder and spend $3,000 on everyday purchases in the first 90 days. And another 20,000 bonus Qantas Points when you keep the card for at least 12 months.

Pros

  • Up to 80,000 bonus Qantas Points offer
  • Standard balance transfer rate of 0% p.a. for 12 months
  • Earn 0.66 points per $1 spent on eligible purchases
  • Complimentary insurance covers and concierge services

Cons

  • A 3% fee applies to any balances transferred
  • Charges a high $295 annual fee
  • Offers up to 44 days interest-free on purchases, compared to other cards that offer up to 55 days
  • Points cap could restrict potential points earning

In this guide

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

Where could you fly with NAB Qantas Rewards Premium Card's 80K bonus points?

Calculation is based on Classic Rewards redemptions and doesn't include carrier charges, taxes and fees.

Details

Product details

Product Name NAB Qantas Rewards Premium 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 days
Up to 44 days on purchases
Cash advance rate p.a. 21.74%
Min credit limit $6,000
Max credit limit $30,000
Card type Visa

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application No

Rewards

Rewards program Qantas Frequent Flyer
Bonus points 80,000
Rewards points per $ spent 0.66
Rewards points cap 6,000

Fees

Annual fee
$295
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $20
Foreign currency conversion fee
3.5%
Cash advance fee 3.5% of transaction value or $3.50, whichever is greater
Overseas ATM withdrawal fee $5
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the NAB Qantas Rewards Premium Card online in around 15 minutes and could get a response in 60 seconds.

Before you get started, make sure you meet the eligibility requirements and have the necessary information to complete your application.

Eligibility criteria

  • Residency. 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.
  • New cardholder. The bonus points offer and 0% balance transfer promotion are only available to new NAB customers.

Card benefits

  • Up to 80,000 bonus Qantas Points. The NAB Qantas Reward Premium offers 60,000 bonus Qantas Points when you apply as a new cardholder and spend $3,000 on eligible purchases in the first 90 days from card approval. These points will be credited to your account within 3 months of meeting the spend requirement. You'll also get an additional 20,000 bonus Qantas Points when you keep the card open for at least 12 months. And these points will be credited in the 13th month. There is no specified expiry date for this offer but NAB may withdraw or vary it at any time.
  • Qantas Points per $1 spent. This card earns 0.66 Qantas Points per $1 on eligible purchases for the first $3,000 per statement period, then 0.33 points per $1 for spending up to $6,000 in that statement period. You also earn 1 additional Qantas Point per $1 on eligible spending with Qantas. Eligible purchases include most everyday spending but transactions that don't earn points include cash advances, balance transfers and payments to the ATO.

Rates & fees

  • Annual fee. The NAB Qantas Rewards Premium Card charges an annual fee of $295.
  • Purchase rate. A 20.99% p.a. variable interest rate applies to purchases made with this card.

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Avatar

Bianca

May 17, 2025

Hi I had a Kogan CC that then NAB took over for the last month until I closed the account. Will that count as me having a previous NAB card?


also, if I close the account before the year and the extra 10000pts will I still get to keep the 60000pts? or do I have to stay for more then a year?


thanks


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Richard Whitten Finder

May 19, 2025

Hi Bianca,


You’ll need to keep the card/account open for at least 12 months.


As for the new customer requirement the fine print on NAB’s site states that “This bonus points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards Bonus Points for a new personal NAB Qantas Rewards credit card in the 18 months prior to the opening of a NAB Qantas Rewards Signature Card or a NAB Qantas Rewards Premium Card.”


So you may still qualify for it. I hope this helps.


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DP

March 16, 2025

If I am currently holding a Nab Rewards Card not a Nab Qantas Rewards card, will i be eligible to have the bonus points?thanks


Avatar

Richard Whitten Finder

March 16, 2025

Hello DP,


With this offer existing NAB customers can get the bonus points, under this condition (according to NAB’s website): “Bonus Points are not available if you’ve received a NAB Qantas rewards acquisition bonus points offer in the last 18 months.”


That’s NAB Qantas Rewards, not NAB Rewards. If you’re currently holding a NAB Rewards card that should be fine.


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Katrina

February 09, 2025

Hi there,


I’ll be traveling overseas soon and wanted to confirm something about my credit card. If I use this card for shopping while abroad, will those transactions count toward the $2,000 spend requirement within 60 days to earn the 60,000 Qantas points?


Thanks in advance for your help!


Best regards

Katrina


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Sarah Megginson Finder

February 13, 2025

Hi Katrina,


Yes those purchases will qualify towards your minimum spend requirement. But keep in mind, you’ll pay foreign exchange fees, credit card payment fees and currency conversion fees, which could add 5% or even more to the cost of every transaction.


Avatar

Viv

July 31, 2023

Re this point “These points will be credited to your account within 3 months of meeting the spend requirement.” How long does it take on average for the points to be added to the Qantas account? Will the points still be there should I decide to cancel the card?


Avatar

Amy Bradney-George Finder

July 31, 2023

Hi Viv,


The terms and conditions for this offer simply state that points will be added to your Qantas Frequent Flyer account “within 3 months of meeting the spend requirement”, so you’ll typically need to factor that timeframe into your decision. If you have further questions about this offer, you can contact NAB on 13 22 65. It’s also worth noting that points earned per $1 of eligible spending on this card are typically added to your frequent flyer account after each statement period (within 2 days of the closing date on your statement).


In regards to cancelling the card, any points that have been added to your Qantas Frequent Flyer account will remain there, subject to the Qantas Frequent Flyer terms and conditions. I hope this helps.


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Interstate traveler

July 11, 2023

Hi, I’m traveling interstate and hiring a car, it would seem this card (which I have) offers car rental insurance excess of up $5000, if I opt to not take the car hire companies insurance my excess will be $4,100.


1. Does this mean I am fully covered by the the credit card for the insurance excess


2. Do I need to do anything before hiring the car ior do I just contact NAB after the fact if I did need to claim the $4,100 excess?


Thanks!


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Richard Whitten Finder

July 12, 2023

If you’re an existing cardholder then I suggest contacting NAB directly. They can provide more detailed answers than we can.


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