NAB Qantas Rewards Signature Card

• 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.
• Age. You must be at least 18 years old.
• Eligible balance transfer. If you request the balance transfer at the time of application, you can transfer up to 90% of your available credit limit from Australian-issued, non-NAB cards.

Required documents

• Finances. You must provide copies of recent payslips or bank statements.
• Employment. You'll need to provide details of your employment including employer's name, workplace address and time in employment.
• Personal details. You'll need to prove your residential address, which you can usually do by providing copies of utility bills to that address.
• Frequent flyer number. To earn Qantas Points, you’ll need to provide your Qantas Frequent Flyer membership number to NAB.
• Balance transfer details. If you are planning to transfer a balance, you’ll need to provide the details of the account(s), including the institution and account number.

• Qantas Points as you spend. Earn 1 Qantas Point per eligible $1 spent up to $5,000 and then 0.5 Qantas Points per $1 spent between $5,001 and $20,000 per statement period. Therefore, total points are capped at 12,500 per statement period.
• Complimentary insurance. The NAB Qantas Rewards Signature offers purchase protection insurance, extended warranty insurance, car rental excess in Australia insurance, domestic travel insurance and international travel insurance. These complimentary insurance policies are issued by Allianz and you should refer to the NAB Card Insurance Policy Information Booklet for full details of what’s covered and when you’ll be eligible for cover.
• Complimentary Qantas Frequent Flyer Membership. If you're not already a member of the Qantas Frequent Flyer Program, you can join for free. This saves you the $99.50 joining fee (as at 29 June 2021).
• Concierge service. Provided by Visa Worldwide, cardholders will also enjoy their own personal assistance for travel and lifestyle services with the NAB 24/7 Concierge.
• Balance transfer rate. This card has a 0% p.a. interest rate for 12 months on balance transfers with a 3% balance transfer fee, which reverts to the variable cash advance rate, currently 21.74% p.a.
• Mobile wallets. You can link your NAB credit card with Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, or Garmin Pay to make contactless payments using your qualifying device at the checkout.

• Cash advance rate. If you use the card for cash advances, a 21.74% p.a. variable interest rate will apply. You’ll also be charged a cash advance fee of 3% or $3, whichever is greater.
• Interest-free days. Receive up to 44 interest-free days on purchases when you pay your balance in full, or if your statement shows an interest free days amount, in full, by the statement due date.
• Additional cardholder. To earn Qantas Points faster, you can add 1 additional cardholder to your account for $0.