In this guide

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

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NAB Qantas Rewards Signature Card
Terms and conditions apply
Bonus points
Purchase rate
20.99% p.a.
Reward point per $ spent
Annual fee for the first year ($395 p.a. thereafter)
$295 p.a.

Our verdict

Offers a competitive earn rate and up to 120,000 bonus Qantas Points, but you'll need to wait a year for 30,000 of them.

The NAB Qantas Rewards Signature has one of the biggest bonus Qantas Points offers on the market right now, with 120,000 bonus points up for grabs if you keep the card for at least 13 months. To give you an idea of your points potential, you could book a return economy flight from Sydney to New York (110,400). You could also redeem them for $525 worth of Woolworths WISH digital gift cards through the Qantas Marketplace (109,100 points for two $250 gift cards and 5,500 for one $25 gift card).

To get 90,000 of these bonus points, you’ll need to spend $3,000 on eligible purchases within the first 60 days of account opening. You then need to keep the account open for over 12 months (paying the second year’s annual fee) in order to get the other 30,000 bonus Qantas Points.


  • Up to 120,000 bonus Qantas Points
  • Discounted $295 annual fee for the first year
  • Complimentary insurance covers


  • Spend requirement to get bonus points is tricky
  • High ongoing annual fee of $395
  • No lounge passes or travel credit

In this guide

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

The NAB Qantas Rewards Signature is suited to travellers who want to earn Qantas Points as they spend and who will use the card's extra features (like the complimentary insurance covers) to justify the annual fee.


Product details

Product Name NAB Qantas 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.
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


Available to temporary residents Yes - Conditions apply
Joint application No


Rewards program Qantas Frequent Flyer
Bonus points 120,000
Rewards points per $ spent 1
Rewards points cap 20,000


Annual fee
$295 first year ($395 after)
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $15
Foreign currency conversion fee
Cash advance fee 3% or $3, whichever is greater
Overseas ATM withdrawal fee $5
Additional cardholder fee $0
Number of additional cardholders 1

Congratulations, NAB!

NAB Qantas Rewards Signature Card received the highly commended award for 'Frequent Flyer Credit Card – Qantas' in the 2024 Product Awards.

Full list of 2024 winners

How to apply

If you’ve compared your options and decided the NAB Qantas Rewards Signature card is right for you, make sure you meet the eligibility requirements and organise the necessary information before you apply.

Eligibility criteria

  • New cardholder. To be eligible for the bonus points, you must be a new customer, meaning you cannot hold or have held a NAB Qantas rewards card in the previous 12 months.
  • 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.

Card benefits

  • Up to 120,000 bonus Qantas Points. You can give your points balance a boost of 90,000 bonus Qantas Points when you apply, get approved and spend $3,000 on everyday purchases within 60 days of opening the account. These points will be credited to your account within 3 months of meeting the spend requirement. The other 30,000 bonus points will be credited in the 13th month when you’ve kept your account open.
  • Reduced first-year annual fee. Save $100 with a reduced $295 annual fee for the first year, reverting to $395 p.a. thereafter.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $395 p.a.
  • Purchase rate. Purchases will collect a variable interest rate of 20.99% p.a.

Your reviews

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May 14, 2024

What and where do I need to buy to be an eligible purchase?


Sarah Megginson Finder

May 17, 2024

Hi Dart,

Eligible purchases include all kinds of everyday spending: groceries, shopping, travel, flights, accomodation, coffee shops etc.

Ineligible purchases usually mean things like gambling, cash advances, interest charges, fees and refunds.

Hope this helps!



April 25, 2024

If we put the card into credit of 9600.00 and paid for our holiday would we qualify for the first 90000 points


Sarah Megginson Finder

May 02, 2024

hi Jennifer,

Yes, as long as you spend on eligible purchases, you would qualify for the bonus points.



March 05, 2024

Hi there, If we get 15k approved card limit. Then, we use a balance transfer option of lets say $10k and also spend $3000 from card within first 60 days. Do we still get the Qantas points?


Sarah Megginson Finder

March 06, 2024

Hi Ace,

Provided you meet the minimum spend requirement, you’ll get the bonus points.



January 16, 2024

If I was to take out this card and have a additional card holder, do both the cards spending go towards the one account?


Amy Bradney-George Finder

January 17, 2024

Hi Rob,

Yes, you would just need to provide your Qantas Frequent Flyer account details on or after applying for the card. Then both the primary card and any additional cards would earn points for that Qantas Frequent Flyer account. I hope this helps.



January 15, 2024

I have a NAB. Visa debit card, this will not be classified as a NAB Qantas rewards card will it?


Sarah Megginson Finder

February 14, 2024

Hi Gary,

No this wouldn’t be considered a NAB visa card and therefore you would still be eligible to apply and collect any bonus offers.

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