In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.
NAB Rewards Business Signature Card
Terms and conditions apply
Bonus points
Purchase rate
18.5% p.a.
Reward points per $ spent
Annual fee
$175 p.a.

Our verdict

Offers 100,000 bonus NAB Rewards Points and additional cards for employees, with a $175 annual fee for each card.

The NAB Rewards Business Signature Credit Card earns reward points you can redeem for gift cards, travel, frequent flyer point transfers and more. It currently offers 100,000 bonus points when you spend $4,000 on eligible business purchases in the first 60 days. This is one of the bigger bonus point offers on the market for business credit cards and would be enough for $450 of Bunnings digital gift cards (91,840 points for two $100 gift cards and one $250 gift card) or 50,000 Velocity Points, as an example.


  • 100,000 bonus points offer
  • Earns between 1.25 and 3.75 NAB Rewards Points per $1 spent
  • Access to a 24/7 concierge service and Visa Premium offers


  • $175 annual fee per card
  • Does not offer overseas travel insurance or lounge passes

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 Rewards Business Signature Card offers worldwide Visa acceptance and can be used with digital wallets including Apple Pay, Google Pay and Samsung Pay. It also gives you access to commercial unauthorised transaction insurance, transport accident insurance and a 24/7 concierge service that can help with booking travel, events and more. Its 18.5% p.a. interest rate for purchases is similar to other business credit cards and means you'll typically get the most value out of it when you pay off your entire balance by the due date on each statement to get interest-free days on purchases.


Product details

Product Name NAB Rewards Business Signature Card
Purchase rate p.a. 18.5%
Interest-free period Up to 44 days on purchases
Cash advance rate p.a. 21.74%
Min credit limit $5,000
Max credit limit $50,000
Card type Visa


Available to temporary residents No
Joint application No


Rewards program NAB Rewards
Bonus points 100,000
Rewards points per $ spent 1.25
Rewards points cap Uncapped


Annual fee $175
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3% or $3, whichever is greater
Additional cardholder fee $175

Congratulations, NAB!

NAB Rewards Business Signature Card received the highly commended award for 'Business Rewards Credit Card' in the 2024 Product Awards.

Full list of 2024 winners

How to apply

You can apply for the NAB Rewards Business Signature Card online by filling in a secure application form. Or, if you have a MYOB or Xero account, you can use your login details to connect securely to the application and save time uploading the required business documentation.

Before you apply, make sure you meet the eligibility criteria and have all the other required information and documents on hand.

Eligibility criteria

  • Business structure. You can apply for this card if you're a sole trader, someone in a partnership with up to 2 partners, or a director of a company with up to 5 directors. But your business must be registered for GST, have a valid ABN/ACN and to apply for this account.
  • Business annual turnover. Your business must have an annual turnover of at least $75,000.

Card benefits

  • 100,000 bonus NAB Rewards Points. The NAB Rewards Business Signature Card offers 100,000 bonus points when you apply as a new customer and spend $4,000 on eligible business purchases in the first 60 days of account opening. The bonus points will be added to your account balance within 3 months of meeting the spend criteria. While NAB does not list an end-date for this offer, it may be changed or withdrawn at any time.
  • NAB Rewards. Each card linked to this account earns 1.25 points per $1 on everyday business purchases (including with the ATO), 2.5 points per $1 spent in major department stores and hardware stores in Australia and 3.75 points per $1 on eligible overseas spending (including online). Points are credited to a single NAB Rewards balance, which you can redeem for rewards including travel with Webjet, merchandise, gift cards and point transfers to Velocity Frequent Flyer, Asia Miles, Singapore Airlines KrisFlyer Miles, Air New Zealand Airpoints and Flybuys.

Rates & fees

  • Annual fee. The NAB Rewards Business Signature has a $175 annual fee per card. So, if you only had a card for yourself, you would pay $175 p.a. If you had 3 cards (1 for you and 2 for employees), the annual fees would total to $525, and so on.
  • Purchase rate. This card has a 18.5% p.a. variable purchase rate that is on par with other similar business cards.

Your reviews

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March 07, 2019

First time getting a business credit card and the sole purpose is for points, flights or gift cards. How does it work if we were to spend $100,000 per month? How many points do I get for that spend in that 1 month and what does that amount of point equal and buy? Can points be transferred to a family member?

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Joshua Finder

March 07, 2019

Hi Sue,

Thanks for getting in touch with Finder. I hope all is well with you. 😃

If you are asking about the NAB Rewards Business Signature credit card, its rewards points per $1 spent on eligible business purchases are 1.25. Thus, for $100,000 spent, you would earn 125,000 points. Moreover, if you get approved for the NAB Rewards Business Signature and spend $4,000 on eligible business purchases within the first 60 days of account opening, you would also earn 100,000 bonus points.

Now, the value of your NAB rewards points would depend on which offer or gift you want to redeem. To give you an example, 3 NAB Rewards is equivalent to 1.5 Velocity Points; 3 NAB Rewards is equal to 1 Asia Mile, and 3 NAB Rewards is equal to 0.015 Air New Zealand Airpoints.

That’s just for flights. The value of NAB Rewards points would also differ for gift cards, NAB Rewards store, and other items.

According to NAB’s website, for this card, you can only transfer your points to another related body corporate or another person who holds a personal rewards card account. To transfer points, you may call NAB’s customer support.

I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

Have a wonderful day!



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